If you’re still offering your team a standard health insurance package and calling it a day, it’s time to take a closer look at what today’s employees really need, and what employers like us could be missing out on.
A modern employee health benefits program doesn’t just slap on coverage and call it “compliance.” It builds value into every paycheck without taking more from it.
At Harmoni Care, we’ve developed Harmoni125 to challenge the old model. It’s not just another Section 125 cafeteria plan. It includes Section 125, yes, but it goes a whole lot further by integrating a Preventative Care Management Plan (PCMP) and a Self Insured Medical Reimbursement Plan (SIMRP).
And the result? A fully compliant, cost-free, benefit-rich plan that works for both employers and employees. Let’s break down how this stacks up against traditional insurance, plain and simple.
What Is Harmoni125?
Harmoni125 is our signature employee-first benefits solution. It’s built on a triple structure that blends:
- Section 125 (pre-tax deductions)
- PCMP (Preventative Care Management Plan)
- SIMRP (Self Insured Medical Reimbursement Plan)
This mix lets us offer better coverage at $0 copays, with real tax savings, and no change to take-home pay. Employers save money. Employees and their families get the care they need.
Traditional Insurance vs. Harmoni125: The Real Comparison
Here’s what we’re really talking about. A side-by-side look that shows what your team does and doesn’t get depending on which path you take.
Comparison Table: Harmoni125 vs. Traditional Health Insurance
| Feature | Harmoni125 (Employee Health Benefits Program) | Traditional Insurance |
| Monthly Cost to Employer | $0 | High premiums, often shared with employees |
| Employee Take-Home Pay | No change | May decrease due to payroll deductions |
| Copays (Telehealth, RX, Urgent Care) | $0 | Usually $15-$50 or more |
| 24/7 Telemedicine Access | Included | Sometimes included, not always |
| Mental Health + EAP Access | Included for the employee and family | May be limited or extra |
| Family Coverage (Spouse + Dependents) | Included at $0 copay | Often at extra cost |
| Group Term Life Insurance | Included ($60–$100/month value) | Rarely included, or an upsell |
| Vision, Dental & Prescription Discounts | Included | Usually separate policies |
| RX Coverage (Generic + Brand) | Included, $0 copay | Often includes copays or limits |
| Implementation Time | 30-45 days, turnkey | Varies, usually longer |
| Employee Experience | Seamless, one dashboard | Fragmented across multiple providers |
| Compliance & Admin Burden | Fully managed by us | Employer responsibility |
| Estimated Employer Savings | ~$1,100/year per W2 | None |
| Healthcare Cost Reduction | 5-10% over time | Typically increases annually |
| Overall Value | High | Variable |
Why Employers Are Switching to Harmoni125?
We’ve been in the benefits space long enough to know what gets ignored: employee impact and employer cost. Traditional plans often cost more, offer less, and leave everyone frustrated.
With Harmoni125, employers save roughly $1,100 per W2 employee per year; we’re talking about $110,000 in annual savings for a 100-person team. That’s not a small win. That’s a game-changer.
What You Actually Get as an Employer:
- No out-of-pocket cost to you or your team
- A 5-10% reduction in overall healthcare claims
- 30-45 day rollout with no heavy lifting
- Improved employee retention & productivity
- Payroll tax savings + fewer benefit complaints
- Immediate bottom-line impact, from day one
We don’t just hand you a plan. We manage compliance, setup, and payroll integration across 50+ systems like Gusto, ADP, QuickBooks, and Rippling.
What Employees Actually Get with Harmoni125?
This isn’t smoke and mirrors. Every benefit in section 125 plan is real, usable, and immediate, with $0 copays across the board, even for their spouse and dependents.
Every Employee Gets:
- 24/7 Virtual Telemedicine: No lines. No delays.
- Mental Health + Counseling Access: Private and on-demand.
- Family Coverage: Includes up to 12 annual in-person visits, even for spouses and dependents.
- Group Term Life Insurance: Worth $60–$100/month, at no cost to them.
- EAP (Employee Assistance Program): Help with addiction, grief, anxiety, work-life stress, and more.
- Mayo Clinic Health Tools: Real guidance from one of the best in the country.
- MEC Coverage: Fulfills Affordable Care Act minimums.
- Prescription (RX) Coverage: Generic and brand-name; all with $0 copays
- Vision, Dental, and Urgent Care Discounts
We’re not giving out coupon books here. This is real care that people can actually use, without calling HR to figure out what’s covered.
Let’s Be Real; Employees Are Tired of Old Insurance
When was the last time your team got excited about their health benefits? Probably never.
That’s because traditional insurance feels like more red tape. It’s full of copays, confusing networks, and surprise bills. People skip appointments because of cost. They avoid therapy because it’s “not covered.” They hope the kids don’t get sick because urgent care could set them back $300.
We built Harmoni125 so your people don’t have to make those choices anymore.
Why Harmoni Care Does It Differently?
We’re not here to slap our name on another benefit product. At Harmoni Care, we exist to help companies improve well-being and eliminate tax waste, without touching your existing health plan.
Our mission is simple:
Give more people access to preventative care that’s real, affordable, and life-improving, without costing you or them more.
We believe:
- Better benefits should be simple
- Compliance shouldn’t require a legal team
- Employees shouldn’t have to fight to stay healthy
And we’re already proving it. Thousands of employees are enrolled and seeing the difference today. Harmoni125 is working. You could be next.
Let’s Talk About Your Health Plan Tax Benefit
You’re leaving money on the table every single payroll cycle if you’re not using this kind of benefit structure.
With Harmoni125, the health plan tax benefit you unlock isn’t theoretical; it’s baked into your actual payroll. Employers save real dollars. Employees keep the same pay. Everyone gets better care.
Ready to See It in Action?
- Get a tailored proposal (free)
- See your projected savings, per employee
- Learn how we’ll handle the setup for you
- Talk through compliance with our benefits experts
Your Next Step
You’ve read this far for a reason.
We’ll keep it simple. If you want to:
- Stop bleeding cash on legacy plans
- Offer zero-copay health benefits that actually matter
- Improve your benefits package without increasing cost
Then it’s time to try Harmoni125. Let’s have a quick conversation.
Book your 10-minute consultation now. Or get your free proposal today
FAQs
1. What is Harmoni125, and how is it different from regular insurance?
Harmoni125 is an all-in-one benefits program that includes Section 125, a Preventative Care Management Plan, and a Self Insured Medical Reimbursement Plan. Unlike traditional insurance, it delivers zero-copay care and tax savings with no changes to take-home pay.
2. Do employees have to switch doctors or current insurance plans?
Nope. Harmoni125 is a supplemental program. Your employees can keep their current insurance and providers.
3. How long does implementation take?
We typically launch within 30-45 days with full compliance and minimal work from your HR team.
4. Is family coverage really included at no extra cost?
Yes. Spouses and dependents get the same zero-copay benefits, including 12 in-person visits annually, RX, telehealth, and more.
