Health Champion Cost Effective Solutions for Health Benefit Plans for Employers

Health Benefit Costs Skyrocketing?

Manage Them with our Health Champion @ Work Programs

An employer faced with a 25% increase in premiums asked Health Champion to assist on plan design and health insurance carrier for the next year more

Health Champion @ Work Creative Health Care Benefit Management

Health Champion offers employers and businesses 4 different options for improving medical benefits packages while maintaining and even lowering costs.

Our services for employers are part of our Health Champion @ WorkTM business solution, and feature:

  • Employer: Benefit Plan Consultation, Design & Analysis (more info)
  • Employee: Benefit Plan Selection & Evaluation (more info)
  • Direct Employee Advocacy & Consulting Services (more info)
  • Health & Wellness Programs (more info)

Employers may take advantage of any one of the features listed above - or the entire benefits solution offered in our Health Champion @ Work program:

Health Champion @ Work - Overview

Employee confusion around insurance coverage, medical bills, claims, appeals, and selecting the right treatment can take up a lot of your time. And in this business environment, when personnel are being asked to do more with less, they're already stretched thin. We can help by removing your administrative headache by providing a one-stop resource for health and benefit-related issues.

And, we remove an enormous burden from your employees, eliminating the need to resolve issues on their own, and often during the work day. The result? You get focused, productive employees and they get a "champion" working in their best interests.

We're health care benefits experts so you don't have to be.

It's a win-win for everyone. And that's smart business.


Key Benefits to Using Health Champion . . .

  • Helps attract and retain valued employees
  • Decreases illness and absenteeism
  • Improves employer/employee relations
  • Reduces billing errors, claims and appeals
  • Enhances employee focus, productivity, and morale
  • Creates environment of wellness and successful clinical outcomes
  • Takes burden off management or human resources personnel

We work with employers of every size and discipline. Our pricing is competitive and cost-effective, adding value to your health insurance program.


Our Core Services Include . . .


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Employer: Benefit Plan Consultation, Design & Analysis

Whether you're interested in purchasing a standard health insurance program, changing carriers, or designing a custom program for your company, we'll help you maximize the return on your health care dollars through careful analysis of all issues, examining the balance between price, resources, impact on employees and overall health trends within your company.

We will . . .

  • Assist in the design and analysis of custom-designed programs.
  • Evaluate standard programs, providing side-by-side comparison of carrier capabilities.
  • Help guide the final decision, based on all factors, including price and impact on employees.
  • Analyze market trends, as well as trends specific to your employee groups, to ensure your plan supports a productive, healthy workforce and reduces your overall medical expense.
  • Serve as a conduit between you, your carrier, and your employees, ensuring your premium dollars are being well spent. We'll recommend the right menu of benefits for your workforce, and all aspects of your program are being utilized by employees.
  • Uncover programs covered by your existing plan you may not know about - that go a long way toward encouraging employee wellness.

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Employee: Benefit Plan Selection & Evaluation

Once you've determined the health insurance plan best suited to your company, or have the ability to offer more than one plan, we work directly with your employees - or in partnership with your broker - to help them evaluate their existing plan or select a new one.

We will clearly communicate your message to each employee and . . .

  • Explain the current available choices in plans, outlining changes, what's covered and how the co-pay works.
  • Provide support during open enrollment, minimizing stress by identifying benefits and helping them choose options best suited to their individual needs.
  • Identify areas within the plan that might be easily overlooked and yet contribute to an individual's overall health goals.

We then guide them through the complex enrollment process, so that you and your staff can concentrate on the business of doing business.


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Direct Employee Advocacy & Consulting Services

This private and confidential service is offered on two levels, each providing your employees with an essential resource regarding health care and covered benefits.

  • Annual Subscription Model
    Your employees have direct, ongoing access to our experts, through phone and e-mail, for concerns relating to their benefits or health care. They receive quick, reliable results and you get focused, productive employees. Whatever the question, we've got your employees covered.
  • Episodic Model
    Through your management team or Human Resources department, we are brought in on an as-needed basis to advise on health and benefit issues, or work directly with an employee on a specific concern.

Through these services we will . . .

  • Help employees find in-network providers and understand complex claims issues.
  • Coordinate benefits and determine which carriers pay first and second.
  • Answer dependent student or out-of-area coverage questions.
  • Research elder care coverage issues, including Medicare Part D.
  • Review denied medical claims; prepare and submit written appeals when appropriate.
  • Navigate Web-based and online tools offered by you or insurance carriers.

In addition, our clinical services can help . . .

  • Coordinate care between physicians, health care providers, health care facilities and care management programs.
  • Identify when employees need preventive services.
  • Schedule physician appointments.
  • Review all claims to ensure that they were paid per the benefit plan.
  • Submit receipts to Flexible Spending Accounts (FSAs) or Health Savings Accounts (HSAs).
  • Arrange for mail order pharmacy, as appropriate.
  • Review prescriptions to determine if less costly drugs are available.
  • Research objective current health care information that can help in making a medical treatment decision.

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Health & Wellness Programs

To help your employees become savvy health care consumers, we offer a range of programs covering both clinical and insurance related topics.

We're also happy to develop a customized program to meet your organization's specific needs.

Contact Health Champion to explore options for your company to improve medical benefits packages while maintaining and lowering costs.