When it comes to business growth, the smartest strategies are the ones nobody sees. One of the most powerful, behind-the-scenes ways of growing your company’s bottom line and nurturing your employees is by using a strategy that leverages Section 125 together with leading-edge health and reimbursement solutions. That’s exactly what Harmoni125 does—and that’s why more and more businesses are making the switch.
Designed specifically for companies with 30,000+ employees, Harmoni125 provides a completely managed, tax-favored benefit plan that features a Section 125 health plan in conjunction with a Preventative Care Management Plan (PCMP) and a Self-Insured Medical Reimbursement Plan (SIMRP). It’s one of the most compliant and benefit-filled plans on the market—and the best part is, it won’t cost employers and employees one dime to implement.
Let us talk about how Harmoni125 is the ultimate solution for employee satisfaction and tax saving without trade-offs, disruption, or added complexity.
What Is a Section 125 Cafeteria Plan?
A Section 125 cafeteria plan allows the use of pre-tax dollars to purchase qualified benefits, such as medical bills and health insurance. This reduces their taxable income, resulting in reduced payroll taxes for the employer and employee. While most organizations already have a type of Section 125 health plan, Harmoni125 does a few things extra.
Rather than offering a mere cafeteria plan, Harmoni125 integrates that Section 125 format into a more extensive, more intelligent benefits system that includes:
- A Section 125 compliant reduction in compensation
- A Preventative Care Management Plan (PCMP) that offers meaningful care resources
- A Self-Insured Medical Reimbursement Plan (SIMRP) that reimburses employees for certain expenses
The three components together create an integrated, no-cost benefit plan that offers substantial savings and support to all concerned.
Why Employers Favor Harmoni125
To employers, every decision is expense versus compliance and care. That balance was in mind in crafting Harmoni125. It adds real value quietly, without surprise to current benefits provided, budgeting, or processes.
These are the benefits that employers realize:
- Save around ~$680 annually for each W-2 employee ($68,000 per 100 employees)
- Zero upfront cost—ever
- Shortened healthcare claims (around $1,400 saved for each employee for 3 years)
- Implementation period of 30–45 days
- Full automation, full compliance
- Suggests higher retention, performance, and morale
- Straightforward bottom-line impact right away
The Harmoni125 plan allows businesses to improve financial performance while providing better care. It’s not just a tax plan—it’s a competitive advantage.
Why Employees Love It
Harmoni125 is also designed to help employees in concrete, real ways. The good news? Employees perceive no take-home pay loss.
Instead, they gain access to a range of benefits, such as
- $0 copay 24/7 Telehealth services (nurses, doctors, and wellness coaching)
- Mental health, addiction counseling, and emotional well-being resources
- Mayo Clinic health dashboard and wellness tools
- Universal Life, Disability, and Critical Illness coverage
- Spouse and dependent enhancements
- No change to existing plans or carriers
This employee cafeteria plan is more than a box on a list of benefits—it’s a system that takes care of the entire person, increasing satisfaction and retention company-wide.
Built for Growing Teams
Harmoni125 was created for 30,000+ enrolled-employee employers who wish to give more value without incurring additional cost. Harmoni125 optimizes company performance quietly by eliminating stress from your HR department, engaging employees, and reducing expenses—all simultaneously.
Over 30,000 employees are already enrolled in Harmoni125 and enjoy both its simplicity and depth. It’s made to operate silently in the background while generating genuine, quantifiable results each quarter.
How Harmoni125 Works
Now let’s take a closer look at how the program works:
1. An employee cafeteria plan deduction is deducted from the employee’s pay in a compliant Section 125 format.
2. That deduction is forwarded to a Preventative Care Management Plan (PCMP) that delivers valuable health and wellness services to the employee.
3. Meanwhile, the employee is covered by a Self-Insured Medical Reimbursement Plan (SIMRP), which reimburses tax-free for eligible health expenses.
This ready-to-go system is IRS and Department of Labor compliant and rolls out automatically—no lifting required from HR.
Because the deduction is pre-tax, both the employer and the employee benefit:
- The employee suffers no reduction in net pay.
- The employer saves thousands of dollars in payroll taxes.
- The firm operates more smoothly with healthier, more productive employees.
What Differentiates Harmoni125
Simply spoken: this ain’t your average Section 125 health plan. Harmoni125 is an upscale, do-all platform that bridges tax savings, care guidance, and reimbursement functions into a highly efficient single package.
It is distinctive in these ways:
- It integrates Section 125, PCMP, and SIMRP—in no other plan is this as well accomplished.
- It’s entirely free to both the employee and the employer.
- It covers the entire individual, not just his or her health care, but mental, emotional, and financial health as well.
- It boosts retention, reduces claims, and improves overall organizational health.
Harmoni125 offers you everything you want from a benefits plan—without the usual compromises.
The Quiet Power of Harmoni125
At Harmoni Care, we believe in delivering benefits that create real harmony between business results and employee well-being. That’s about designing programs that quietly do their thing in the background, with noticeable bottom-line returns and improved care, without workload or disruption.
Harmoni125 proves it’s possible to save money and look after your employees without having to make sacrifices. You can do both—intelligent, automated, and at scale.
As we like to say: balance without trade-offs. Care combined with efficiency. Quiet impact, significant results.
Let’s Recap: The Advantages of Harmoni125
Here’s why Section 125 cafeteria plans—especially when combined like Harmoni125—are the ideal solution for tax savings and employee wellness:
- Decreases payroll tax liability by ~$680 per employee annually
- No impact on employee take-home pay
- Employees benefit from $0 copay Telehealth, mental health, and enhanced coverage
- Implementation in only 30–45 days
- Completely compliant and automated—no hassle to your staff
- Inexpensively reduces claims and boosts morale
- Already in use and trusted by 30,000+ enrolled employees
- Risk-free, disruption-free, and completely free
Final Thoughts: Make the Smart Move Today
Saving money, streamlining your employee cafeteria plan, and staying compliant—without the effort—Harmoni125 is the solution for you.
It includes a Section 125 cafeteria plan, naturally, but then it leverages that very same design along with two powerfully impactful additions: PCMP and SIMRP. It’s those pieces that make it one of the most benefit-rich, effective, and under-the-radar powerhouse plans out there.
Want to learn the inside info on Harmoni125?
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