Healthcare benefits can get complicated, expensive, and hard to manage. That’s why more employers are turning to a smarter, more streamlined solution: the Section 125 cafeteria plan, and more specifically, Harmoni125 by Harmoni Care.
This isn’t your typical benefits plan. Harmoni125 is a fully managed, compliance-ready program that leverages Section 125 along with two additional components:
- Preventative Care Management Plan (PCMP)
- Specialized Insurance Medical Reimbursement Plan (SIMRP)
Together, they create one of the most benefit-rich and cost-effective solutions for both employers and employees.
What Is a Section 125 Plan?
A Section 125 plan, also known as a cafeteria plan, allows employees to use pre-tax dollars to pay for qualified health expenses, like insurance premiums and medical costs.
This reduces their taxable income and saves employers on payroll taxes. But most traditional Section 125 plans are limited and piecemeal. That’s where Harmoni125 stands apart.
Why Section 125 Matters in Today’s Workplace
Healthcare costs are climbing every year, and employers are feeling the pinch just as much as their employees. Traditional benefits packages often come with limitations, gaps in coverage, and rising premiums that leave teams dissatisfied and businesses struggling to balance the budget. This is where Section 125 cafeteria plans stand out. By letting employees use pre-tax dollars to pay for medical expenses, they lower taxable income and reduce payroll taxes for employers. It’s a win-win structure, but only if managed correctly.
Harmoni125 takes the foundation of Section 125 and removes the complexity, offering a compliance-ready solution that integrates seamlessly with existing payroll and HR systems. Instead of piecemeal benefits or confusing add-ons, employers get a clear, automated path to real savings while employees enjoy access to richer, more comprehensive care. For businesses competing for talent in today’s market, offering this kind of benefit can be the differentiator that attracts and retains top performers.
The Harmoni125 Advantage: Beyond Savings
Many cafeteria plans focus only on tax benefits, but Harmoni125 goes further by creating a true healthcare experience that employees actually value. Every detail has been designed to maximize convenience, coverage, and peace of mind. Employees no longer have to worry about surprise medical bills or gaps in support. With $0 copays on every service, around-the-clock telemedicine, and in-person urgent care options, care is always accessible. Mental health, counseling, and wellness programs ensure employees are supported beyond just physical health.
For employers, the impact is measurable. Savings of $1,100 per employee annually add up quickly, and reducing claims by up to $1,400 over three years creates long-term financial stability. Implementation is smooth, with no out-of-pocket costs and a setup period of just 30–45 days. The result is a fully managed benefits solution that doesn’t add to HR’s workload but instead simplifies it.
Harmoni125 isn’t just a plan; it’s a strategy for better benefits delivery. By combining compliance, automation, and full coverage, it ensures that companies can focus on growth while employees focus on staying healthy, supported, and engaged.
How Harmoni125 Improves Health Benefit Plan Coverage
With Harmoni Care, you’re not just setting up a basic cafeteria plan. You’re implementing a turnkey health benefit plan coverage solution that offers unmatched value:
Employer Benefits:
- Save $1,100 per W-2 employee annually
- Reduce healthcare claims by up to $1,400 over 3 years
- Lower overall healthcare spend by 5–10%
- No out-of-pocket cost to implement
- Fully automated setup in 30–45 days
Employee Benefits:
- $0 Copays on all services
- 24/7 Virtual & In-Person Urgent Care
- Family Coverage with 12 annual visits
- Mental Health, Counseling & EAP Access
- Mayo Clinic Health Tools & Dashboard
- RX, Vision & Dental Discounts
- Group Term Life Insurance ($60–$100/month value)
All benefits extend to spouses and dependents, with no changes to current take-home pay.
Built for Businesses That Want Better
Whether you’re a mid-size business or scaling fast, the Harmoni125 Section 125 plan gives you a modern, fully managed approach to health benefits. No administrative burden, no hidden fees, just measurable impact.
With more than 30,000 employees enrolled, Harmoni Care is trusted by companies who want to reduce costs while doing right by their people.
Ready to Simplify Benefits and Maximize Coverage?
Your team deserves more than a bare-bones benefits package that leaves gaps in care and fails to create real impact. With Harmoni125, you’re offering them a comprehensive, full-coverage health benefits plan coverage solution that goes beyond the basics, providing security, wellness, and peace of mind, while your business reaps measurable financial returns, improved retention, and sustainable long-term growth.
Get a Free Proposal to learn how Harmoni Care makes Section 125 simple, smart, and savings-ready.