Today, offering strong employee benefits is something every company must do. At the same time, many businesses are looking for ways to reduce healthcare costs and keep their teams happy. A cafeteria plan is a simple solution that helps with both. It helps employees to avail the benefits that work best for them and also save on taxes. Some plans offer way more than this by adding health support and covering medical costs. These modern plans are easy to use and save money for both the company and the employee.
In this blog, we will explain how they work and why they matter.
What is a Cafeteria Plan?
A cafeteria plan, often referred to under Section 125, allows employee benefits cafeteria plan to pay for certain benefits using pre-tax dollars. These include things like health insurance premiums, dependent care, and medical expenses. By using pre-tax income, both employers and employees save on payroll taxes.
But Harmoni Care takes it a step further. Harmoni125 is not a traditional Section 125 plan. It includes Section 125 components but enhances them with additional managed care features that most programs overlook.
What Makes Harmoni125 Different?
Today’s workers want benefits that are easy to use and really help them stay healthy. Harmoni125 is built to meet these needs by combining three strong parts into one simple plan. This helps both employers and employees get the most value.
Here’s how it works:
- Section 125 Tax Savings: Employees pay for benefits before taxes, which means they pay less tax overall.
- PCMP (Preventative Care Management Plan): Provides wellness tools, health coaching, and access to care online anytime.
- SIMRP (Self Insured Medical Reimbursement Plan): Pays employees back for some medical costs without extra charges.
This plan helps employers offer great benefits without raising payroll costs. Employees get better health coverage and services, all while keeping their regular take-home pay.
Key Employer Benefits
Harmoni125 helps businesses save money and take good care of their workers. It makes giving benefits easy and useful for everyone. Here is how it helps employers:
- You can save about $1,100 per W2 employee every year. For 100 workers, that means saving around $110,000.
- You don’t have to pay anything to start the plan.
- Your company will have fewer insurance claims and see a 5–10% reduction in healthcare costs.
- The plan is simple to set up and ready in about 30 to 45 days.
- Workers feel cared for, so they stay longer and do better work.
Key Employee Benefits
When a new health plan starts, employees might feel worried. But with Harmoni125, there is only good news and no problems.
Here is what employees get with Harmoni125:
- Their take-home pay stays the same, so it does not cost them extra.
- They can use telehealth services anytime and from anywhere with $0 copay, including RX coverage.
- They get easy help with mental health and addiction support through the Employee Assistance Program (EAP).
- They receive helpful tools and wellness tips from the trusted Mayo Clinic.
- They have extra options like Group Term Life Insurance, which is very important, valued at $60–$100/month, included at no extra cost.
- They also get disability and critical illness coverage.
- Their spouses and family members are also covered with 12 annual care visits at $0 copay.
A Plan That Offers Compliance and Simplicity
One of the biggest strengths of Harmoni125 is how fully compliant and stress-free it is. Many cafeteria plans are poorly built or based on outdated rules, which can cause confusion or even legal issues. But Harmoni125 is different. It follows all IRS and ERISA guidelines, making it one of the most secure and trustworthy options available today. Specialists care for everything, so your HR staff doesn’t need to handle anything additional, and overall work becomes simpler. It’s easy, seamless, and stress-free. From installation to assistance, Harmoni Care handles everything, providing employers with confidence and workers with a plan they can depend upon.
Why Choose Harmoni Care?
Harmonicare’s mission is to change how employee health and benefits work by mixing tax-saving plans with modern health support. They focus on following all rules, helping employees stay healthy, and making sure employers see real value from their investment.
Choosing Harmoni125 means more than just giving benefits. It means building a smarter, stronger workforce that lasts. It helps both employees and employers by saving money, improving health, and making work life better for everyone involved.
Conclusion: Maximize Employee Benefits With Cafeteria Plan
If you wish to provide more favorable benefits to your employees and cut down on costs, a plan such as Harmoni125 can definitely assist. It incorporates Section 125 cafeteria plan benefits along with beneficial health programs such as PCMP and SIMRP, making it one of the most comprehensive and simple plans available.
It suits small businesses and big businesses equally well. It is easy to install, does not create additional work, and provides actual value. Your staff receives more assistance without sacrificing any pay, and your business saves money while doing it. It is an innovative and safe alternative for today’s workplaces.
Make the Right Move With The Right Partner
Discover how Harmoni125 can improve your benefits and boost savings. Talk to an expert today and see how this simple, smart plan can support your team and your business. Contact us or request a free proposal now.