Why Financially Savvy Companies Prioritize Employee Benefits
Forward-thinking businesses are realizing that employee well-being is directly tied to financial performance. But what if you could introduce a tax-advantaged Employee Health Benefits Program that improves care, increases retention, and adds no extra cost to your business?
That’s exactly what Harmoni125 offers.
Developed by Harmoni Care, this plan goes beyond a typical Section 125 cafeteria plan. It integrates a Preventative Care Management Plan (PCMP) and a Self Insured Medical Reimbursement Plan (SIMRP)—creating one of the most compliant and benefit-rich programs on the market.
Let’s break down how this solution drives real financial gains for both your business and your employees.
What Is Harmoni125?
Harmoni125 is a modern Employee Health Benefits Program built to work behind the scenes—without disrupting your current health plan, payroll structure, or business operations.
It leverages Section 125, but doesn’t stop there. By combining it with a fully managed PCMP and SIMRP, Harmoni125 delivers enhanced care, reduced claims, and consistent savings.
With more than 30,000 employees already enrolled, this solution has proven to be both scalable and effective.
How Harmoni125 Works?
The Harmoni125 plan uses a three-part system to deliver maximum financial value:
- Section 125 Cafeteria Plan: Allows employees to make pre-tax contributions, reducing taxable income.
- Preventative Care Management Plan (PCMP): Covers services like telehealth, mental health support, and wellness coaching—improving overall employee health.
- Self Insured Medical Reimbursement Plan (SIMRP): Reimburses eligible medical expenses in a fully compliant, tax-advantaged manner.
This fully automated system ensures compliance, eliminates manual processes, and is designed to start delivering value in just 30–45 days.
Financial Benefits for Employers
Harmoni125 is not just a health benefits program—it’s a financial strategy. Here’s what employers gain:
1. Substantial Tax Savings
On average, employers save $600–$800 per year per W2 employee. That’s around $68,000 in savings for every 100 employees.
These savings come from reduced payroll taxes due to pre-tax benefit deductions made through the Section 125 structure.
2. No Out-of-Pocket Costs
Unlike traditional benefits plans that require premiums or contributions from the business, Harmoni125 is 100% cost-neutral. You don’t pay to implement or maintain the program.
3. Reduced Healthcare Claims
Healthier employees file fewer claims. Through PCMP benefits like 24/7 telehealth, early detection, and lifestyle coaching, employers can expect to save an average of $1,400 per employee over three years in claim reductions.
4. Fast Implementation
Get up and running in 30 to 45 days—with automated rollout, full compliance support, and zero disruption to your existing systems.
5. Boost in Retention and Productivity
Modern workers prioritize meaningful, personalized benefits. When you offer better care options—without reducing take-home pay—your team stays longer and performs better.
Financial Benefits for Employees
Harmoni125 empowers your employees with better care—without touching their paychecks.
1. No Change in Take-Home Pay
Unlike typical benefits where employees have to choose between coverage and cash, Harmoni125 provides valuable services without reducing their net income.
2. $0 Copay 24/7 Telehealth Access
Employees get 24/7 access to licensed physicians, mental health professionals, and health coaches—all with zero copays.
This includes:
- General health consultations
- Chronic condition coaching
- Mental health support
- Family health advice
3. Wellness Tools from Mayo Clinic
Employees receive access to Mayo Clinic’s trusted tools, resources, and health dashboard—enhancing self-care and preventive health.
4. Robust Protection Coverage
- Universal life insurance
- Critical illness coverage
- Short-term disability
- Dependent and spouse options
These benefits are rarely found in no-cost plans and help employees feel protected and valued.
5. Mental Health, Addiction, and Counseling Support
From stress to substance use, employees receive professional support across a broad range of challenges—leading to healthier, happier teams.
Why Businesses Choose Harmoni125
Harmoni Care is built around a simple philosophy: Balance without trade-offs.
We believe you shouldn’t have to choose between your team’s well-being and your company’s financial health. Harmoni125 brings those priorities into alignment through:
- Efficiency meets care – Tax savings plus improved wellness tools
- Quiet impact – No major plan changes, just measurable behind-the-scenes value
- Long-term harmony – Sustainable benefits that adapt to your business
And with more than 30,000 employees already enrolled and satisfied, Harmoni125 is proving itself as the smarter path forward for modern employers.
Why Harmoni125 Is Different?
HarmoniCare is about finding the right balance between doing what’s best for your team and protecting your business’s bottom line. Our solution introduces meaningful, tax-advantaged health benefits without adding costs or requiring any changes to your existing plans. It’s a quiet, behind-the-scenes program that brings measurable value—lower taxes, better benefits, and a more satisfied workforce—all with zero disruption. We exist to help employers move in harmony with their employees’ needs and the realities of running a business.
Harmoni Care designed Harmoni125 with a simple principle: balance.
“We believe in doing what’s best for your team without disrupting your business. Harmoni125 is a quiet, behind-the-scenes program that brings measurable value—lower taxes, better benefits, and a more satisfied workforce.”
That balance is what makes Harmoni125 so powerful. It fits within your existing framework and works seamlessly to deliver financial and human impact.
Use Case: 100-Employee Company
Let’s visualize the benefits using a small business example:
- Employees enrolled: 100
- Employer savings (avg. $680/employee): $68,000/year
- Employee benefits value: Telehealth, wellness, insurance, mental health—worth $3,000+ per employee/year
- Net employee paycheck change: $0
This is a clear win-win that helps attract talent, reduce turnover, and manage costs in a sustainable way.
Compliance and Automation Built In
Concerned about compliance? Don’t be.
Harmoni125 is fully aligned with IRS Section 125 Cafeteria plan guidelines and is structured to meet all requirements related to:
- HIPAA
- ACA
- ERISA
Everything is automated and fully managed by our team, so your HR and finance departments stay focused on what they do best.
More Than a Plan—A Strategic Advantage
In today’s tight labor market and uncertain economic climate, employers need to offer more without spending more. Harmoni125 is your secret weapon:
- Fully compliant
- Zero out-of-pocket costs
- No impact on payroll
- Better benefits for your team
- Financial savings you can see immediately
Whether you’re in healthcare, education, construction, or tech—this plan molds to your business and builds your people up from the inside out.
Get Started Today
Want to explore how Harmoni125 can help your business save thousands while boosting employee care?
Book your 10-minute consultation with a Harmoni Care specialist. Let us show you how this quiet, compliant solution can make a big impact—starting today.
Contact Harmoni Care for a Free Proposal