For employers looking to improve employee well-being without increasing expenses, Section 125 cafeteria plan benefits offer an intelligent and strategic solution. But not all cafeteria plans are created equal. Harmoni Care’s Harmoni125 program redefines what a compliant, cost-effective benefits package can be—offering more than just pre-tax deductions. It delivers a fully integrated system combining Section 125 with a Preventative Care Management Plan (PCMP) and a Self Insured Medical Reimbursement Plan (SIMRP)—creating one of the most benefit-rich and employer-friendly solutions available today.
What Makes Harmoni125 Different?
Traditional cafeteria plans let employees pay for benefits pre-tax, reducing taxable income. But Harmoni125 takes it further.
It leverages Section 125 together with a fully managed PCMP and SIMRP, unlocking deeper tax savings, improved employee health, and higher satisfaction—all at no out-of-pocket cost to the employer or employee.
Harmoni125 is one of the most compliant and cost-effective benefit programs available—built specifically to help employers save more, retain talent, and support their workforce in a meaningful way.
Why Harmoni125 Is a Smarter Solution?
Employer Benefits (Group 1)
- Save $600–800/year per employee
That’s around $68,000 per 100 employees, driven by reduced payroll taxes. - No out-of-pocket costs
Implement Harmoni125 without impacting your budget. It works behind the scenes alongside your current health plan. - Lower healthcare claims
Preventive care and smarter plan design reduce claims by an average of $1,400 per employee over three years. - Quick implementation
Fully automated onboarding process that goes live in just 30–45 days. - Stronger retention and performance
Employees are more likely to stay and thrive when their well-being is supported. - Immediate bottom-line impact
Unlike traditional plans, the benefits of Harmoni125 show up in your financials right away.
Employee Benefits That Go Beyond Expectations
While employers benefit from reduced costs and risk, employees enjoy access to an incredible suite of services, without changing their take-home pay.
Employee Benefits (Group 1)
- No change in net take-home pay
Employees retain their full paycheck while gaining access to new, meaningful benefits. - $0 copay 24/7 Telehealth
Access doctors, nurses, and health coaches anytime, anywhere. - Mental health & counseling
Support for addiction, mental health, and emotional wellness. - Mayo Clinic wellness tools
Access to trusted Mayo Clinic health content and a personal wellness dashboard. - Life, disability, critical illness coverage
Help protect employees and their families with built-in plan coverage. - Spouse & dependent benefits
Extend coverage to the entire household—promoting total family wellness.
More than 30,000 employees are already enrolled in Harmoni125.
Why Harmoni125 Works — Behind the Scenes, Ahead of the Curve?
At Harmoni Care, we believe in doing more with less—offering free health plan benefits that actually improve outcomes without adding cost.
Our model is simple:
- No disruption to your existing benefits
- No extra spending
- No compromise on compliance
Harmoni125 is built to deliver measurable value while creating a culture of care.
Built for Family-First Workplaces
Harmoni Care is about finding the right balance between doing what’s best for your team and protecting your business’s bottom line.
We offer a quiet, behind-the-scenes program that delivers real results:
- Lower taxes
- Better benefits
- A more satisfied workforce
It’s a smarter way to build culture and loyalty, without spending more.
Building Culture Without Spending More
In today’s competitive talent market, workplace culture has become a key differentiator. But enhancing culture doesn’t always require added spending or new programs — it can be achieved by aligning your benefits with what truly matters to employees: peace of mind, family-first values, and a sense that their employer genuinely cares.
That’s where Harmoni125 comes in. This fully managed plan allows employers to deliver meaningful, no-cost health benefit enhancements without changing their current plan setup. By offering $0 copay Telehealth, mental health support, and access to Mayo Clinic wellness tools, Harmoni125 shows your team they matter — and that culture isn’t just a buzzword, it’s a business priority.
You don’t have to overhaul your benefits budget to create loyalty. When employees see their employer investing in their wellbeing without asking them to sacrifice take-home pay, it strengthens trust, improves morale, and fosters long-term commitment. And because implementation is quick — typically within 4-6 weeks— you can start creating real impact almost immediately.
Strong teams start with care. Harmoni125 helps employers lead with compassion while still protecting the bottom line.
Quietly Powerful, Visibly Impactful
What makes Harmoni125 so effective isn’t just the cost savings — it’s the quiet, behind-the-scenes integration that creates powerful results without disruption.
There’s no need for major HR changes, no switching providers, and no confusion for employees. Instead, the Harmoni125 plan works in parallel with your existing benefits, automating compliance while introducing real value. This includes a Preventative Care Management Plan (PCMP) and a Self Insured Medical Reimbursement Plan (SIMRP) — both fully managed, fully compliant, and proven to reduce claims by $1,400 over three years.
From the employer’s perspective, the math is clear: $600–800 in tax savings per employee adds up quickly. With just 100 enrolled team members, that’s $68,000 back to your bottom line annually. For employees, the advantages are equally tangible — universal life, disability, and critical illness coverage, support for spouses and dependents, and mental health resources they might not otherwise afford.
This is how Harmoni Care delivers on its promise: by helping employers move in harmony with both business needs and human needs. Harmoni125 isn’t just another benefit — it’s a smarter, more modern way to care for your people and protect your resources.
Why Employers Are Making the Switch?
Businesses are moving away from expensive, high-claim health plans and toward smarter, preventative solutions. Harmoni125 gives you:
- A compliant alternative to traditional Section 125 cafeteria plans
- A way to offer free health plan benefits with no cost or risk
- A structure that supports long-term employee well-being and company growth
Take the Next Step
Book your 10-minute consultation to see how Harmoni125 can work for your organization, and know everything in detail about the 125 cafeteria plan benefits
No cost to get started
Immediate tax savings
Stronger, healthier teams
Talk with an expert today or get a free proposa
