For most companies, offering stronger employee benefits usually comes at a cost. But what if you could give your team more, without spending more or making major changes to what you already have in place? That’s exactly what Harmoni125, a fully managed section 125 pre tax premium plan, is designed to do. It helps employees keep more of their paycheck while enabling employers to save thousands every year in payroll taxes—all without adding complexity or cost.
Unlike traditional cafeteria health plan models, Harmoni125 includes much more than just tax savings. It combines three powerful components—Section 125, a Preventative Care Management Plan (PCMP), and a Self-Insured Medical Reimbursement Plan (SIMRP)—to create a simple, automated, and benefit-rich program that works quietly in the background. Everyone wins—and no one has to sacrifice.
A Smarter Kind of Section 125 Plan
Harmoni125 isn’t your typical Section 125 pre-tax premium plan. While it does leverage Section 125—also known as a cafeteria health plan setup—it goes a step further by combining it with two powerful components:
- Preventative Care Management Plan (PCMP)
- Self-Insured Medical Reimbursement Plan (SIMRP)
These three components taken together produce one of the most benefit-rich, cost-saving, and compliant programs now in existence. Designed to operate quietly in the background, fully managed and automated, it means no disturbance to your present health plan and no additional effort for your HR team.
Unlike traditional plans that come with complexity or compliance risk, Harmoni125 is built to operate seamlessly and efficiently. It’s modern, low-maintenance, and fully aligned with today’s benefit expectations, giving both employers and employees more value from day one.
How It Works for Employees
Here’s where the real impact shows up: in employees’ wallets.
With Harmoni125, employees don’t see any reduction in their take-home pay—in fact, they keep more of what they earn. Here’s how:
- Pre-tax savings: A portion of their income is used on eligible healthcare-related employee benefits before taxes are applied, reducing taxable income.
- Zero out-of-pocket costs: The plan is designed so employees don’t have to pay anything extra to receive these added benefits.
- Family-wide coverage: Spouses and dependents are included, providing peace of mind beyond just the employee.
- $0 copay 24/7 Telehealth: Employees get round-the-clock access to doctors, nurses, and coaches with no copay.
- Mental health support: Counseling, addiction recovery, and wellness coaching are all part of the plan.
- Mayo Clinic digital tools: Each employee has access to a personalized wellness dashboard powered by trusted Mayo Clinic resources.
- Added protection: Coverage includes Universal Life, Disability, and Critical Illness plans that strengthen the safety net for employees and their families.
It’s comprehensive. It’s easy to use. And it’s already making a difference for thousands—more than 30,000 employees are currently enrolled in Harmoni125.
That number continues to grow as more employers look for ways to improve the employee experience while keeping their costs under control.
Big Wins for Employers, Too
You’re not just helping your team—you’re improving your business’s financial health, too. Employers that implement Harmoni125 typically see:
- Savings of $600–800 per employee per year (about $68,000 per 100 employees)
- Reduced healthcare claims, saving on average $1,400 per employee over three years
- No added cost to the business
- Fast, automated implementation under 50 days
- Improved retention and employee satisfaction
This program lets you provide more appealing perks without adding strain on your company’s payroll. You’re improving your corporate culture, demonstrating concern for your team’s well-being, and concurrently safeguarding your finances.
Harmoni125 makes this possible by turning wasted tax dollars into real value for both sides of the equation.
Why Harmoni125 Is Different
There are plenty of benefit plans out there, but Harmoni125 is built differently. It’s not loud or flashy—and that’s the point. It’s a quiet, seamless program that fits into your company without disruption, offering real results where it matters.
It’s also fully compliant and completely hands-off for you. Our team manages everything, so you don’t need to hire extra help or get lost in administrative work. And because it combines the power of a Section 125 framework with PCMP and SIMRP, it delivers far more than any standard cafeteria health plan model.
At HarmonicCare, we believe in balance without trade-offs. That means helping you do what’s best for your employees while staying true to your business’s financial goals. You don’t have to choose between supporting your people and protecting your margins—you can do both.
That’s the promise behind Harmoni125, and it’s why so many forward-thinking employers are making the switch.
A Quiet Change That Makes a Big Difference
Most employees never even know Harmoni125 is running in the background—but they feel the effects: more take-home pay, more support, and more peace of mind. And for employers, the savings and satisfaction start showing up almost immediately.
It’s time to rethink what benefits can be. Harmoni125 helps you move in harmony with your employees’ needs and the realities of running a business, without noise, without complexity, and without compromise.
Ready to see what Harmoni125 could do for your organization?
Get a free consultation to learn how this powerful section 125 pre-tax premium plan can help you offer better benefits, save thousands in payroll taxes, and support your team—all with zero added cost, zero disruption, and zero hassle.