In today’s competitive job market, smart businesses are looking for ways to attract and retain top talent without taking on new costs. That’s where Harmoni Care’s innovative employee health benefits program, Harmoni125, comes in. By integrating a section 125 plan with advanced care and reimbursement strategies, Harmoni125 gives employers and employees a powerful, fully compliant way to save money, improve wellness, and boost workplace satisfaction—without changing existing plans or benefits providers.
Let’s explore why offering a plan that leverages Section 125—like Harmoni125 is one of the smartest business moves you can make.
What Is a Section 125 Plan—And What Makes Harmoni125 Different?
At its core, a Section 125 Plan allows employees to pay certain eligible benefits on a pre-tax basis, lowering their taxable income and increasing their take-home pay. But Harmoni125 takes this idea even further.
Harmoni125 is not a traditional Section 125 plan. It goes beyond the basics by integrating:
- Preventative Care Management Plan (PCMP)
- Self Insured Medical Reimbursement Plan (SIMRP)
This unique combination offers one of the most compliant, benefit-rich programs on the market. And best of all? It operates quietly in the background—no disruption to your existing benefits structure, no out-of-pocket costs, and no extra administrative burden.
How Harmoni125 Works for Employers?
For businesses, Harmoni125 provides measurable, immediate value. This is about more than just benefits—it’s about bottom-line business results.
Real Cost Savings
With Harmoni125, employers typically save $600–$800 per employee benefits per year in payroll tax savings alone. That means:
- $68,000/year saved for every 100 employees
- All at zero out-of-pocket cost to your business
These savings are generated through optimized payroll deductions under the Section 125 structure and fully managed benefit delivery.
Fast Implementation, No Disruption
- 30–45 day onboarding
- Seamless integration with your existing HR or payroll provider
- No need to change your current plan or benefit offerings
Your employees get better benefits. You keep your systems just the way they are.
Reduced Healthcare Claims
Because Harmoni125 includes a proactive Preventative Care Management Plan (PCMP), it can help lower your overall healthcare claims by promoting wellness and early intervention. On average, companies save $1,400 in healthcare costs per employee over three years.
Higher Retention, Better Culture
Top-performing teams are built on strong support systems. With benefits like 24/7 telehealth access, mental health counseling, and wellness tools included in Harmoni125, your employees feel valued—leading to:
- Better morale
- Lower turnover
- Increased productivity
What Employees Get with Harmoni125?
Your employees won’t notice a change in take-home pay, but they’ll notice the upgrade in their benefits. Harmoni125 supports every aspect of their physical, mental, and financial well-being.
No Impact on Take-Home Pay
Employees participate in the plan without losing a single dollar in net pay. Thanks to the plan’s structure under Section 125, deductions are offset by reimbursements, creating a neutral net paycheck while providing access to significantly better benefits.
$0 Copay 24/7 Telehealth
- Access to licensed doctors, nurses, and care coaches
- No waiting rooms, no appointments, no cost
- Available anytime, anywhere
Mental Health and Counseling Support
- 24/7 access to mental health professionals
- Substance abuse and addiction counseling
- Emotional wellness coaching
This is care that covers the whole person—not just physical symptoms.
Mayo Clinic Tools and Health Dashboard
Through the PCMP, employees gain access to Mayo Clinic’s renowned wellness tools, helping them track, manage, and improve their health outcomes over time.
Universal Life, Critical Illness & Disability Coverage
Employees are automatically enrolled in key protections—without the need for underwriting. Enhancements are available for:
- Spouses
- Children and dependents
It’s care that extends beyond the employee—to the whole family.
Why Harmoni125 Is Different and Better?
While many employers are familiar with Section 125 Plan, few realize the added power that comes from combining it with PCMP and SIMRP in a fully automated, cost-free format.
Harmoni125 is one of the most innovative and compliant benefits programs available today. It doesn’t ask you to replace your existing plan or invest in complex systems. Instead, it layers quietly on top—bringing significant tax savings, improved employee well-being, and reduced claims.
Harmoni Care’s Value Promise:
“Harmoni Care 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.”
More than 30,000 employees are already enrolled in Harmoni125—a trusted solution that’s proving itself every single day.
Build a Stronger Team Without Spending More
If you’re ready to strengthen your benefits strategy, reduce overhead, and invest in your employees without any additional cost, Harmoni125 is the plan you’ve been waiting for.
Book your 10-minute consultation
Let us show you exactly how it works—and how much you’ll save.
Book now or get a free proposal today.