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What are Cafeteria Plans?

A cafeteria plan, often called a Section 125 plan, allows employers to offer employees a menu of benefits to choose from. Instead of a one-size-fits-all benefits package, employees can select the coverage that best suits their needs, whether that’s health care, family coverage, or supplemental insurance.

A Section 125 Cafeteria 125 Plan is designed to give employees flexibility in choosing the benefits that matter most to them while helping businesses deliver meaningful value. Harmoni125 leverages a Section 125 health plan along with a fully managed Preventative Care Management Plan (PCMP) and Self Insured Medical Reimbursement Plan (SIMRP), creating one of the most comprehensive, compliant, and employee-focused programs available.

Harmoni125 enhances these cafeteria 125 benefits by integrating:

  • 1. 24/7 Telemedicine & Virtual Care for immediate access to doctors and wellness experts.

  • 2. Family Coverage with 12 Annual Care Visits, ensuring spouses and dependents are included.


  • 3. Employee Assistance Program (EAP) for counseling, addiction support, and couples’ therapy.

  • 4. Mayo Clinic Programs for preventive care, diet, stress management, and health monitoring.

  • 5. Group Term Life Insurance ($60–$100/month), an essential component for protecting employees’ families.

  • 6. RX Coverage and In-Person Urgent Care with $0 copays, plus discounts on vision, dental, and prescriptions.

This isn’t just a cafeteria health plan, it’s a full-service benefits system that ensures employees and their families are cared for comprehensively.

Who Can Benefit From a Section 125 Cafeteria Plan?

Section 125 cafeteria plans aren’t limited to large corporations. Small and mid-sized businesses can also leverage these programs to boost employee satisfaction and retention.

Employees benefit because they can customize their coverage according to personal and family needs. Employers benefit because these plans:

  • Reduce healthcare claims by encouraging preventative care.
  • Improve engagement and retention.
  • Save an average of $1,100 per W2 employee annually.
  • Decrease overall healthcare costs by 5-10%.
With Harmoni125, more than 40,000 employees are already enrolled, illustrating that these programs work well for businesses of all sizes.

Benefits of Section 125 Cafeteria Plans for Employers and Employees

IRS Section 125 cafeteria plan creates a win-win for employers and employees alike.

For Employers:

  • Immediate Cost Savings: Reduced healthcare claims and $1,100/year savings per W2 employee.

  • Zero Out-of-Pocket Cost: Setup and management are handled completely by Harmoni Care.


  • Fast, Automated Implementation: Rolling out within 30-45 days, hassle-free.



  • Boost Retention & Performance: Offering meaningful benefits keeps top talent engaged.





For Employees:

  • Comprehensive Health Coverage: Including family coverage, 24/7 telemedicine, and in-person urgent care.

  • Mental Health & Counseling: Access to EAP, addiction recovery support, and Mayo Clinic resources.
  • Group Term Life Insurance: Ensuring financial security for employees and their families.




  • $0 Copay RX Coverage and Preventative Programs: All benefits come without reducing take-home pay.





Even with the flexibility of a cafeteria benefit plan, all benefits are fully managed and accessible through a user-friendly platform.

What Expenses Can a Section 125 cafeteria Plan Cover?

One of the strongest features of a 125 cafeteria plan benefits system is the variety of expenses it can cover. Harmoni125 ensures employees and their families are fully supported with:
  • Medical Expenses: Preventative care visits, urgent care, RX, and specialist consultations.
  • Mental Health & Counseling: Therapy sessions, addiction recovery, and wellness coaching.






  • Family Coverage: Spouses and dependents receive access to care, including 12 annual visits.






  • Wellness Programs: Mayo Clinic tools, diet and stress programs, and health monitoring devices.





  • Insurance Products: Group Term Life Insurance and minimal essential coverage (MEC).





These benefits give employees freedom to choose what’s most important to them, enhancing engagement and satisfaction.

Setting Up a Section 125 Cafeteria Plan

Launching a Section 125 cafeteria plan might sound daunting, but with Harmoni125, it’s simple:
  • 1. Assessment & Enrollment: Determine employee needs and select benefit offerings.
  • 2. Platform Integration: Automated system ensures smooth setup and management.
  • 3. Employee Education: Harmoni Care provides guidance so employees can make informed choices.
  • 4. Ongoing Management:Reporting, compliance, and claim support handled seamlessly.
Implementation typically takes 30-45 days, and there’s no disruption to existing health or retirement plans.

What's Included in Section 125 Cafeteria Plan?

Harmoni125 goes beyond basic coverage by offering a fully integrated plan:
  • 1. Preventative Care Management Plan (PCMP): Personalized wellness coaching, Mayo Clinic dashboards, and monitoring.
  • 2. Self Insured Medical Reimbursement Plan (SIMRP): Covers prescriptions, urgent care, and mental health counseling.
  • 3. Family-Focused Benefits: Spouse and dependent coverage with 12 annual care visits
  • 4. 24/7 Telemedicine & Virtual Care: Immediate access to medical professionals.
  • 5. Group Term Life Insurance: Ensures financial protection for the entire family.

All of these are provided with $0 copay, making it simple and accessible.

Section 125 Cafeteria Plans: Driving Employee Wellness and Business Success

A Section 125 health plan pre tax system like Harmoni125 is a strategic tool for businesses that want to provide flexibility, wellness, and comprehensive coverage to their employees. From family-inclusive benefits to wellness programs and mental health support, cafeteria plans deliver value for both employers and employees.

With more than 30,000 employees enrolled and businesses saving an average of $1,100 per employee per year, it’s clear that Section 125 cafeteria plans are no longer optional, they’re essential.

Book Your Consultation Today

Take the next step in offering a section 125 health care plan that truly benefits your employees and supports your business. Talk with a Harmoni Care expert, get a free proposal today, and start implementing your cafeteria plan benefits seamlessly.

Frequently Asked Questions

It includes health, wellness, insurance, and family coverage benefits offered in a flexible menu.

Employers enroll, choose benefits, integrate with Harmoni125, and educate employees.

A streamlined plan offering a few core benefits with flexible employee choice.

Improved employee engagement, family coverage, wellness access, and cost savings for employers.

Eligible employees and their dependents as defined in the plan documents.

Get a Free Proposal

We’ll analyze your company, estimate your annual savings, and walk you through how this plan works for your team. No hard pitch—just real numbers.