When it comes to attracting and retaining top talent, health benefits are no longer optional, they’re essential. But rising healthcare costs can put pressure on both employers and employees. That’s where a Section 125 cafeteria plan like Harmoni125 makes all the difference.
Harmoni125 isn’t just a pre-tax health benefit, it’s a fully managed, fully compliant program that integrates the advantages of Section 125 with two powerful tools: a Preventative Care Management Plan (PCMP) and a Specialized Insurance Medical Reimbursement Plan (SIMRP). Together, these components create one of the most benefit-rich offerings available today.
If you’re looking to offer better healthcare benefits for employees without increasing your costs, here’s what makes Harmoni125 the smart choice.
What Is a Section 125 Cafeteria Plan?
A Section 125 cafeteria plan allows employees to pay for certain healthcare expenses using pre-tax dollars, reducing their taxable income and boosting their take-home value. Employers benefit too, by lowering payroll taxes, creating a win-win system backed by IRS code.
But Harmoni125 goes several steps further.
This isn’t just a tax savings tool. It’s a fully bundled, automated healthcare benefits program designed to support the physical, mental, and financial well-being of your team, at $0 out-of-pocket cost to your business.
Why Employers Choose Harmoni125
If you manage a W-2 workforce, implementing Harmoni125 can have an immediate impact on your bottom line and long-term employee satisfaction.
With Harmoni125, employers get:
- $1,100/year in savings per W-2 employee
- 5–10% average reduction in healthcare costs
- Seamless setup in 30–45 days
- No out-of-pocket expenses or hidden fees
- Enhanced retention, satisfaction, and productivity
- Reduced healthcare claims, up to $1,400 in savings over 3 years
It’s not just smart. It’s strategic.
What Your Employees Get: Unmatched Health & Wellness Support
Harmoni125 includes one of the most comprehensive healthcare benefits for employees on the market without increasing their payroll deductions.
Every enrolled employee receives:
- $0 Copay on all covered services
- 24/7 Telemedicine & Virtual Care
- In-person Urgent Care access
- Family Coverage with 12 Annual Care Visits
- RX Coverage with No Copays
- Employee Assistance Program (EAP) for emotional, financial, and personal support
- Mental Health & Addiction Counseling
- Mayo Clinic wellness tools
- Minimal Essential Coverage (MEC)
- Group Term Life Insurance valued at $60–$100/month
- Vision, Dental, and Prescription Discounts
Every benefit extends to the employee’s spouse and dependents, ensuring comprehensive support for the entire family.
Built-In Compliance and Simplicity
Managing a compliant Section 125 cafeteria plan can be overwhelming, unless you have a partner like Harmoni Care.
We handle everything for you:
- Complete setup and compliance documentation
- Ongoing IRS regulatory support
- Employee communication and education
- Turnkey rollout with no disruption to payroll
- Audit-ready administration and transparency
We’ve already helped thousands of employers upgrade their benefits without adding complexity. Harmoni125 is designed to work with your existing systems, delivering a better experience without extra effort.
How Harmoni125 Boosts Section 125 Cafeteria Plans
Most cafeteria plans stop at tax savings, but Harmoni125 is built to deliver much more. By combining the pre-tax benefits of a Section 125 plan with a Preventative Care Management Plan (PCMP) and a Specialized Insurance Medical Reimbursement Plan (SIMRP), Harmoni125 turns a standard compliance tool into a complete healthcare strategy.
For employers, the advantages go beyond reduced payroll taxes. With $1,100 in annual savings per W-2 employee, plus a 5–10% cut in healthcare costs, the program creates a measurable bottom-line impact. Better yet, setup is fast, typically completed within 30–45 days, with zero out-of-pocket expenses. That means you can start offering richer benefits without straining your budget or resources.
For employees, Harmoni125 represents true healthcare security. From $0 copays and unlimited telemedicine to urgent care, RX coverage, and family wellness visits, every benefit is designed to support day-to-day health while minimizing financial stress. Add mental health counseling, EAP resources, group term life insurance, and access to Mayo Clinic wellness tools, and you have one of the most well-rounded programs available today.
In short, Harmoni125 isn’t just a cafeteria plan; it’s a smarter way to care for your team and strengthen your business at the same time.
Why Harmoni Care?
With more than 30,000 employees already enrolled in Harmoni125, Harmoni Care is one of the most trusted names in compliant, no-cost benefit solutions.
We don’t offer a traditional section 125 cafeteria plan. We offer a fully integrated wellness strategy powered by IRS-compliant tax savings, industry-leading coverage, and one-on-one support for your workforce.
The Smarter Way to Offer Healthcare Benefits Starts Here
Let’s make healthcare better, for your business, your team, and your future. Get a Free Proposal to learn how Harmoni125 can upgrade your benefits strategy at no cost.