Smarter Benefits. Lower Taxes. Healthier Teams.
Give your employees full access to $0 copay preventative care—while saving $600 to $1,100 per employee per year in payroll taxes. No plan changes. No out-of-pocket cost. No disruptions.
Join over
40,000 happier employees.
What Is the HarmoniCare Plan?
HarmoniCare is a fully managed preventative care program that is designed to enhance your team’s wellbeing by adding valuable health and wellness services—without reducing their take-home pay or changing your existing coverage.
At HarmoniCare, we take a consultative approach to match your company with a plan that fits your needs. Depending on the program, employees and their families may receive benefits like 24/7 telehealth, mental health counseling, preventative screenings, urgent and primary care visits, prescription coverage, and more—all with $0 copays and no out-of-pocket costs.
These plans are built using a compliant, pre-tax benefits structure commonly known as a cafeteria plan—helping employers unlock significant payroll tax savings while delivering real value to employees.
What Employees Get
Included benefits - at no cost to employees and their families
24/7 Telehealth
Virtual Urgent Care
Mental Health Counseling & Holistic Coaching
RX Coverage with $0 Copays (on covered medications)
Group Term Life Insurance
Employee Assistance Program (EAP)
Nutritional & Wellness Support
Preventative Screenings & Lab Services (Quest Diagnostics)
MEC (Minimal Essential Coverage)
12 Telehealth PCP Visits / Year
Hospital Bill Eraser + Supplemental Protection
12 Child Visits / Year
All benefits extend to spouses and dependents—without additional cost.
All while reducing your overall tax liability by up to $1,100 per employee per year —with no disruption to your current insurance or operations.
Why Employers Choose HarmoniCare
A smarter benefits strategy that pays off—today and tomorrow.
In today’s competitive job market, the ability to offer high-quality, affordable benefits isn’t just a perk—it’s a business advantage.
With HarmoniCare, you can:
Boost Retention
Employees are more likely to stay when they feel valued and supported—especially with benefits that cover their entire family.
Attract Top Talent
Offer a unique, modern benefits package that includes $0 copay services without increasing your budget.
Increase Satisfaction & Productivity
Access to preventative care means fewer sick days, lower stress, and healthier, happier employees.
Support a Healthier Workplace Culture
Demonstrate that you care about employee wellbeing—not just compliance and compensation.
Seamless Implementation. Zero Admin Work.
Rolling out the HarmoniCare Plan is fast, easy, and fully managed by our team—so your HR and payroll teams don’t miss a beat.
Full setup completed in 30–45 days
No disruption to your existing health plan or coverage
We handle all compliance, enrollment, and employee education
Integrated with 50+ payroll providers, including ADP, Gusto, Paychex, QuickBooks, Rippling, and more
Whether you have 10 employees or 1,000, our team ensures a smooth experience from start to finish—so you can focus on your business.
Sarah T.
Operations Manager, Regional Home Services
“Honestly, we weren’t actively looking for a new benefits program, but HarmoniCare made it incredibly easy to say yes. Our team didn’t lose a dollar in take-home pay, and they now have access to things like telehealth and mental health support—with no copays. It’s been a win-win.”
Tom W.
CEO, Construction Group
“We’ve always wanted to offer better healthcare access to our staff, but the budget was tight. HarmoniCare helped us do exactly that—without increasing costs. Employees love the benefits, and we’ve already seen a bump in retention.”
Melissa K.
HR Director, Tech Solutions firm
“I’ve dealt with plenty of benefit rollouts over the years, and this was by far the least stressful one. HarmoniCare took care of everything—from payroll setup to employee communication. We were live in under a month and already seeing the tax savings add up.”
Built for Compliance. Designed for Simplicity.
Our Preventative Care Health Plan is designed to align with key federal guidelines, including:
The Affordable Care Act (ACA)
HIPAA privacy standards
IRS regulations for pre-tax benefit programs
The plan follows a proven, employer-friendly structure often used in Section 125 cafeteria plans, allowing you to deliver additional healthcare benefits with no added cost or complexity.
We handle all the necessary documentation and payroll coordination to make implementation smooth and effortless—for both your team and your employees.
Insights on Smarter Benefits and Healthier Teams
We’ll analyze your company, estimate your annual savings, and walk you through how this plan works for your team. No hard pitch—just real numbers.
The Power of Section 125 Pre-Tax Deductions in Health Plan Savings
Section 125 Health Insurance and Health Benefit Plans: What You Should Know
How to Set Up a Section 125 Plan for Your Business
Frequently Asked Questions
Is this a replacement for health insurance?
No. This is a supplemental preventative care program that works alongside your existing coverage. No disruption or plan changes are required.
Do employees pay more or see a change in their paycheck?
Not at all. Take-home pay remains the same—and employees get valuable new benefits for free.
How much can we save as a company?
Most employers save between $600–$1,100 per enrolled employee annually in payroll taxes, which can add up to tens or hundreds of thousands in bottom-line savings.
How long does it take to get started?
From initial assessment to launch, most plans go live in 30–45 days, with minimal involvement from your team.
Is this program IRS-compliant?
Yes. Our team ensures your plan follows IRS employee tax compliance standards, with documentation built to align with cafeteria benefit program rules and guidelines.
What kind of documentation will we receive?
You’ll receive full onboarding and plan documentation, including payroll integration files, audit-ready records, and optional support with your Section 125 plan document if applicable.
Get a Free Proposal
We’ll analyze your company, estimate your annual savings, and walk you through how this plan works for your team. No hard pitch—just real numbers.
Smarter Benefits. Lower Taxes. Healthier Teams.
Phone Number
929-492-2790
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