For Florida Home Services Companies
Add $0-Copay Care. Keep Your Health Plan.
CB Premier Benefits adds covered primary and urgent care, virtual care and eligible prescriptions alongside your current plan. The program is built on the CHAMP Plan.
Explore whether potential employer payroll-tax savings could offset program costs.
- Free analysis
- No obligation
- No payroll documents to start
CB Premier Benefits is the name of a supplemental employee-benefits program. It is not an insurance policy and is not a replacement for major medical coverage. Covered services, participating providers and eligibility rules apply. A $0 copay does not mean the program itself has no cost. Savings are not guaranteed.
Sean & Lishele Wigand | Coverage Babe
Personal guidance for your company’s benefits.
Request Your Free Benefits Analysis
Tell us about your company. We’ll contact you to discuss your needs and arrange the review.
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No payroll documents are needed to get started.
A Supplemental Benefit, Not a Replacement
Explore additional everyday benefits without rebuilding your benefits package.
CB Premier Benefits is designed to complement major medical insurance by adding access to covered everyday healthcare services.
Covered Primary and Urgent Care
$0-copay covered office visits for enrolled employees through participating providers.
Eligible Prescription Benefits
$0 copays on medications included in the applicable formulary, with eligible employee and family access where provided by the plan.
Virtual Care and Support
Virtual care, mental and behavioral health services, and care-navigation support, subject to the plan’s eligibility and service terms.
Benefits differ by service. Covered office visits do not include every possible test, procedure or treatment. Review current plan documents for eligibility, participating providers, limitations and exclusions.
Understand the Business Impact Before You Decide
Qualifying pre-tax benefit elections may reduce employer payroll taxes. Those reductions may offset program costs, but results depend on participation, payroll and program structure. We’ll review the potential impact for your company.
We welcome a review with your CPA, benefits counsel or tax advisor and are happy to participate in that conversation.
Is the CHAMP Plan Too Good to Be True?
It is the first question most employers ask, and it deserves a straight answer. CB Premier Benefits is built on the CHAMP Plan, an employer-sponsored plan with two components: a pre-tax Minimum Essential Coverage plan and a post-tax population management plan.
An opinion letter by Emily Langdon, an employee benefits and ERISA attorney at Fraser Stryker PC LLO, examines that structure and explains the legal distinction between the CHAMP Plan and the non-compliant “double dip” wellness arrangements federal guidance has ruled against. We published the full analysis so you can read the reasoning yourself.
What Your Free Analysis Covers
We’ll help you understand:
- Which available employee benefits may fit your company.
- Program costs and potential employer payroll impact.
- The information and steps needed to evaluate implementation.
We start with a conversation. If more company information is needed, we’ll explain what to provide and how to share it securely.
Meet Sean & Lishele
Work with Sean and Lishele Wigand to understand the options, ask questions and decide whether CB Premier Benefits fits your company.
“If it doesn’t fit your company, we’ll tell you.”
Lishele Wigand · Licensed insurance agent
What Happens Next
Request your analysis
Share your basic company details.
Review the fit and numbers
Discuss benefits, costs and company-specific information with our team. Your advisors are welcome.
Decide what comes next
If you choose to proceed, we help coordinate enrollment and ongoing support.
Questions Before You Get Started?
Does this replace our current health insurance?
No. CB Premier Benefits is designed to complement major medical insurance, not replace it. We review how the program would fit alongside your existing benefits.
Is there a cost to the company?
Program costs and potential payroll-tax reductions must be evaluated together. Qualifying tax reductions may offset costs, but net savings are not guaranteed. We explain the company-specific numbers before you decide.
How is the program structured?
CB Premier Benefits includes a Section 125 cafeteria-plan component. The tax treatment depends on the applicable plan documents, funding arrangements and administration. We provide information for review with your advisors.
Can our CPA or benefits counsel review it?
Absolutely. We welcome their questions and can join a review before you make a decision.
What do you need to get started?
Just your contact information and approximate number of W-2 employees. We’ll discuss your company’s needs first. Any detailed payroll information needed later will be requested securely.
What size companies do you work with?
We work with businesses of many sizes, from small teams to companies with thousands of employees. There is no maximum company-size limit. This page is tailored to Florida home-services employers, and program eligibility and implementation are reviewed for each company.
See Whether CB Premier Benefits Fits Your Company
Explore employee benefits, program costs and potential payroll impact with a free company analysis.