As a business owner, it’s important to find smart ways to reduce costs, keep your employees happy, and follow all the right rules. One proven way to do this is by offering a plan that includes Section 125 pre-tax benefits. These plans help both you and your employees save money on taxes. But not all benefit plans are the same. That’s where Harmoni125 makes a real difference.
Harmoni125 is much more than just a basic 125 cafeteria plan. It combines tax savings with health tools, wellness support, and smart care options that truly help your team. This blog will show how Harmoni125 adds real value to your business and your employees’ lives.
What is a Section 125 Pre-Tax Benefit?
A Section 125 pre-tax benefit plan, often known as a “cafeteria plan” or 125 cafeteria plan, allows employees to pay for certain qualified benefits using pre-tax dollars. This lowers their taxable income, which in turn increases their take-home pay.
Employers also save money because their payroll tax liability is reduced. While traditional Section 125 plans have been around for decades, they are often limited in scope and outdated in how they support wellness and compliance.
Why Harmoni125 is Not a Traditional 125 Cafeteria Plan?
Harmoni125 is a simple and smart benefits program that does a lot more than just save taxes. Yes, it includes Section 125 pre tax benefits, but it also gives your team real support they can feel every day. It combines two helpful add-ons:
- Preventative Care Management Plan (PCMP): This helps employees stay healthy with easy access to wellness tools, coaching, and early care so small issues don’t become big problems.
- Self Insured Medical Reimbursement Plan (SIMRP): This helps cover some medical costs that regular insurance might miss, giving extra peace of mind.
Combined, these make Harmoni125 an extremely useful and comprehensive benefits program available. It’s simple to implement, it’s free out of pocket, and it demonstrates to your employees that you really care about their health and wellness.
Key Employer Benefits of Harmoni125
Choosing Harmoni125 is a smart move for any business. It helps you save money, support your team better, and keep things simple. Here’s how it makes a real difference for employers:
- Save around $1,100 per W2 employee every year. That’s over $110,000 in savings for 100 employees.
- You don’t have to spend anything out of your pocket. The plan pays for itself.
- It’s easy to set up. Most companies can get started in just 30 to 45 days.
- Get a 5–10% reduction on healthcare costs. That’s real savings year after year.
- Employees feel more supported. This leads to better performance and lower turnover.
- Your business saves more right away. Less tax and fewer healthcare claims mean more money back to you.
Key Employee Benefits of Harmoni125
Most benefits show some effect on your salary. But Harmoni125 is different. It gives you more support without reducing your take-home pay. Here’s how it helps employees in a simple and clear way:
- You keep your full take-home pay. Even though the plan uses pre-tax contributions, your earnings stay the same.
- You get 24/7 Telemedicine & Virtual Care with $0 copays, including RX (prescriptions).
- You and your entire family (spouse and dependents) are covered with 12 annual care visits, also at $0 copay.
- You get full mental health and counseling support, including stress, addiction, and personal help through the Employee Assistance Program (EAP).
- You get trusted health and wellness programs from Mayo Clinic to stay well and track your health.
- You receive Minimal Essential Coverage (MEC) that covers basic health needs.
- You are covered with Group Term Life Insurance, valued at $60–$100/month, with no extra cost to you. This is a very important benefit.
- You also get discounts on vision, dental, and prescriptions, helping you and your family save even more.
- You can visit urgent care centers in person and still pay $0 in copays.
Why Are Businesses Choosing Harmoni125?
Classic Section 125 cafeteria plans provide limited offerings. Harmoni125 takes the idea to the next level by covering contemporary wellness requirements, aiding compliance, and producing quantifiable cost savings.
This solution is especially beneficial for companies that:
- Have large W2-based workforces
- Need to lower healthcare expenses without raising premiums
- Desire to enhance employee engagement and retention
- Require a quick-to-deploy, IRS-compliant benefit plan
How Harmoni125 Stays Compliant and Future-Ready?
Harmoni125 is fully managed as it helps remove the burden of administration from your internal HR team and works like their helping hand. It’s designed to work along with IRS rules while offering flexibility and customization for different types of businesses.
It includes the following key compliance advantages:
- Proper documentation and reporting
- Safe harbor mechanisms for audit readiness
- Integrated care management through PCMP and SIMRP
Conclusion: Section 125 Pre-Tax For Your Business
In the modern age, where healthcare expenses are mounting and workers require more from their companies, simply providing the bare basics is no longer sufficient. Companies need intelligent and adaptable solutions that benefit both their staff and their bottom line. That is precisely what Harmoni125 provides. By combining Section 125 pre tax benefits with advanced care tools and wellness support, it helps employers reduce costs while giving employees meaningful resources to stay healthy and supported.
It is a modern approach that goes beyond traditional plans. With Harmoni125, companies can build a stronger workplace culture and manage expenses more effectively through one integrated program.
Get Started With The Right Partner
Discover how Harmoni125 can boost employee satisfaction, reduce costs, and keep your business compliant. Connect with us to Get started with Harmonicare today, or request a free proposal today at theharmonicare.com and take the first step toward smarter benefits.