Employee well-being isn’t just a perk, it’s a business imperative. Yet many companies struggle to offer strong benefits without draining their budget. That’s where the 125 flexible benefits plan from Harmoni Care, called Harmoni125, makes all the difference.
It’s not just a benefits option. It’s a fully managed, tax-smart solution designed to improve retention, reduce healthcare costs, and deliver unmatched care, at no out-of-pocket cost to the employer.
What Is a 125 Flexible Benefits Plan?
A 125 plan, named after Section 125 of the IRS Code, allows employees to pay for qualified health expenses using pre-tax dollars. This means lower taxable income for your employees, and lower payroll tax costs for you.
But the Harmoni125 plan goes far beyond the traditional cafeteria-style offering. It integrates:
- Section 125 tax savings
- Preventative Care Management Plan (PCMP)
- Specialized Insurance Medical Reimbursement Plan (SIMRP)
The result? A complete employee health benefits program that’s modern, compliant, and packed with value.
Why Section 125 Plans Are a Game-Changer
Traditional employee benefits often come with hidden costs and limited coverage, leaving both employers and employees frustrated. A 125 flexible benefits plan flips this model on its head. By allowing employees to pay for healthcare expenses with pre-tax dollars, organizations see immediate payroll tax savings, while employees stretch their income further. It’s a win-win.
But Harmoni125 goes beyond just compliance with Section 125. It blends tax efficiency with a holistic approach to care. With $0 copays, family coverage, and full access to mental health, telemedicine, and in-person urgent care, employees gain peace of mind knowing their health needs are covered. Employers, on the other hand, gain predictable cost savings, measurable ROI, and a streamlined benefits solution that doesn’t drain HR resources. Instead of juggling multiple providers and plans, everything is fully managed under one roof. This makes Harmoni125 not just a benefits program, but a long-term strategy for sustainable employee wellness and retention.
A Smarter Way to Care for Teams and Budgets
Companies today face two big challenges: rising healthcare costs and increasing employee expectations. Harmoni125 addresses both. For businesses, the numbers speak volumes, $1,100 in annual savings per W-2, up to 10% healthcare cost reduction, and a $1,400 drop in claims over three years. For employees, it’s the difference between bare-minimum coverage and a robust wellness package that includes group term life insurance, RX, vision, dental, counseling, and even family coverage at no cost.
The key advantage? Implementation is seamless. Harmoni Care manages everything, compliance, enrollment, reporting, and coordination with existing providers, within 30 to 45 days. That means your HR team can focus on people instead of paperwork. And with over 30,000 employees already enrolled, the model has been tested, trusted, and proven effective. Harmoni125 isn’t just a financial safeguard; it’s a culture-builder. When employees see that their company invests in their health and family well-being, loyalty deepens and turnover drops. That’s the smarter path every forward-thinking employer should take.
Employer Wins: Financially Smart and Fully Managed
Here’s why forward-thinking businesses, regardless of their size or industry, consistently choose Harmoni125 as their benefits solution: it combines financial savings, employee wellness, and seamless management into one fully compliant, cost-effective program designed to deliver long-term results.
- $1,100 in savings per W-2 employee/year
- 5–10% drop in healthcare costs
- $1,400 reduction in claims over 3 years
- No impact on take-home pay
- No disruption to existing providers
- Fully managed implementation in 30–45 days
Your HR team won’t have to juggle vendors or navigate compliance headaches; we take care of everything.
Employee Wellness That’s Actually…Well
The Harmoni125 program isn’t just cost-effective, it’s designed to support holistic employee health, for both workers and their families.
Covered benefits include:
- $0 Copays on All Services
- 24/7 Telemedicine & In-Person Urgent Care
- Family Coverage with 12 In-Person Visits
- RX, Dental, and Vision with No Extra Costs
- Mental Health Counseling, EAP, Addiction Recovery
- Mayo Clinic Tools & Health Dashboard
- Minimal Essential Coverage (MEC)
- Group Term Life Insurance ($60–$100/month value)
All of this, at no added cost to the employee or employer.
Why Harmoni Care?
With over 30,000 employees enrolled in Harmoni125, Harmoni Care is setting a new standard for what a truly impactful employee health benefits program should look like.
We help you reduce costs, stay compliant, and boost employee satisfaction, without lifting a finger.
Take the Smarter Path to Employee Wellness
The old benefits model is expensive and outdated. Harmoni125 modernizes your approach with a fully managed 125 flexible benefits plan that delivers real results.
Get a Free Proposal today to see how Harmoni125 can support your people and your bottom line.