Most employers want to offer better benefits, but the rising cost of healthcare limits what small and mid-sized businesses can realistically provide. Yet what many companies don’t realize is that a pre tax health plan, when designed correctly, can unlock savings for both the employer and the employee without increasing spending.
This is exactly what Harmoni125, the signature program from Harmoni Care, is built to do. It leverages a section 125 health plan pre tax alongside a Preventative Care Management Plan (PCMP) and a Self Insured Medical Reimbursement Plan (SIMRP), creating a system that is fully compliant, automated, cost-free, and far more benefit-rich than traditional options.
What Is a Pre-Tax Health Plan and Why Employers Overlook Its Value?
A pre-tax health plan allows employees to allocate part of their compensation toward eligible benefits before taxes are applied. For employers, this structure lowers overall cost while improving benefit offerings, making it possible to support teams without increasing budgets.
But when this model is combined with Harmoni125, it becomes something entirely different: a high-impact, zero-cost solution that reduces healthcare expenses, enhances coverage, and improves employee satisfaction, all while keeping administration simple.
Not only does Harmoni125 include Section 125 benefits, but it also integrates PCMP and SIMRP to create one of the most compliant and wellness-driven benefit programs available today.
About Harmoni125: A Smarter, Unified Approach to Employee Health Benefits
For employers who want to support their workforce without additional spending, Harmoni125 is a breakthrough. It modernizes what a section 125 plan can do by combining traditional savings with a wide portfolio of wellness and clinical benefits.
Harmoni125 delivers measurable value through:
- Significant annual savings of ~$1,100 per W2 employee
- 5-10% reduction in healthcare costs
- $0 copays across every service
- A complete care ecosystem for employees and their families
- Streamlined, automated implementation within 30-45 days
This is not just a compliance strategy; it’s a full wellness and financial benefit system designed for high-performing teams.
How Harmoni125 Works: Bringing Together Section 125, PCMP, and SIMRP?
1. Section 125 Payroll Configuration
Harmoni125 leverages a Section 125 structure that allows employees to pay for approved benefits through tax-efficient methods. Employers gain immediate savings, and employees receive better access to essential care.
2. Preventative Care Management Plan (PCMP)
Employees and their families get year-round support, including:
- 24/7 Telemedicine and Virtual Care
- 12 annual family care visits
- Mental health and counseling
- Employee Assistance Program (EAP)
- Couples counseling and addiction support
- Mayo Clinic health programs
- Diet, stress, and lifestyle guidance
- Health vitals facial scan tool for real-time wellness monitoring
3. Self-Insured Medical Reimbursement Plan (SIMRP)
SIMRP covers routine and essential medical needs, ensuring employees can access care with $0 copay, including:
- RX coverage
- Urgent care services
- Preventative health screenings
- Family wellness visits
- Mental health treatment
This holistic approach provides complete coverage without increasing employer expense.
Why Employers Choose Harmoni125?
Employers face pressure to deliver competitive benefits, but budgets and healthcare inflation make that difficult. Harmoni125 solves this challenge with a system that balances employee well-being with business sustainability.
Key Employer Benefits:
- Save approx. $1,100 per employee annually
- Zero cost to implement or maintain
- Reduction in healthcare claims through improved preventative care
- Immediate ROI once the plan is activated
- No disruption to existing benefits
- Boosted retention and morale
- Strengthened culture built on family-first values
Harmoni125 makes it possible for businesses to offer big-company benefits without increasing spending.
Why Employees Love Harmoni125?
Traditional plans rarely support full-family care or offer meaningful preventative programs. Harmoni125 fills this gap by providing employees and their dependents with services that enhance physical, mental, and emotional health.
Employee Benefits Include:
- $0 copay across all services
- 24/7 access to clinicians
- Mental health, addiction, and counseling support
- Group Term Life Insurance valued at $60–$100/month (a major benefit)
- Family coverage with 12 annual care visits
- Vision, dental, and prescription discounts
- RX coverage with no copays
- Urgent care access
- Minimal Essential Coverage (MEC)
- Mayo Clinic programs and care guidance
Employees experience better health outcomes, reduced financial stress, and improved access to immediate care, without changes to take-home pay.
Are You Missing Hidden Savings That Could Transform Your Benefits?
If you are not using a pre-tax structure supported by PCMP and SIMRP, then yes, your business may be missing out on significant savings and wellness opportunities.
Many employers mistakenly believe:
- “Better benefits cost more.”
- “Small businesses can’t afford premium healthcare offerings.”
- “Employees don’t need family-wide support.”
Harmoni125 challenges these assumptions by creating a program that requires no employer spending, supports dependents, and increases overall company performance.
This is where the section 125 health plan pre tax structure becomes a hidden advantage, unlocking value beyond traditional healthcare.
Real-World Example of Harmoni125 in Action
A mid-sized employer with 80 W2 employees implemented Harmoni125. Within the first year:
- Saved over $88,000
- Reduced healthcare claims by 8%
- Increased employee participation in mental health services by 40%
- Improved retention by 17%
- Provided $0 copay care for over 200 dependents
All with zero cost to the business.
The Harmoni Care Difference: Built for Modern, Family-Centered Workforces
Harmoni Care is committed to helping employers reduce unnecessary spending while giving employees and their families the care they deserve. The goal is simple: strengthen the workforce, prevent health issues before they escalate, and create a culture grounded in support, not cost.
By combining compliance, wellness, and financial advantages, Harmoni125 reshapes how companies think about benefits.
Conclusion
A pre tax health plan becomes far more powerful when combined with Harmoni125’s PCMP and SIMRP structure. This approach helps employers save money, reduces healthcare costs, improves retention, and enhances employee well-being, all without raising expenses or changing existing insurance.
If your business isn’t using the Harmoni125 model yet, you may be missing out on one of the most cost-effective solutions available today.
Book your consultation to see how Harmoni125 can transform your benefits; at no cost to you. A smarter Section 125 plan starts here — Get a Free Proposal
FAQs
1. How does Harmoni125 create savings for employers?
It lowers benefit-related overhead and reduces healthcare claim costs through preventative care and wellness support.
2. What makes Harmoni125 different from standard benefit plans?
It combines Section 125, PCMP, and SIMRP into one automated, compliance-driven solution.
3. Do employees really pay $0 copays?
Yes, all services, including RX, virtual care, and urgent care, are offered with no copays.
4. Does Harmoni125 cover family members?
Yes, spouses and dependents receive full coverage with 12 annual care visits.
5. How long does implementation take?
Most employers launch the program within 30-45 days.
