Benefit plans can seem like a maze to many employers. Phrases “pre tax health plan” or “Section 125 health plan” appear, but what do they actually mean for your company? More importantly, how can they provide true financial benefits without costing anything or being too complicated?
At Harmoni Care, we’ve created a smarter solution called Harmoni125. It’s not your typical health plan. Harmoni125 includes Section 125, but it also combines two powerful benefit tools: a Preventative Care Management Plan (PCMP) and a Self-Insured Medical Reimbursement Plan (SIMRP). The result is one of the most comprehensive, fully compliant, and cost-free benefit programs available to employers today.
Let’s take a closer look so you can see just what’s in it for you and your employees—and why over 30,000+ employees have already joined Harmoni125.
What Is Section 125… and Why Should You Care?
Simply put, Section 125 of the Internal Revenue Code permits employees to deduct certain benefits, such as health insurance, from income using pre-tax dollars. This arrangement reduces taxable income for employers and employees alike.
But Harmoni125 does better.
Rather than providing only a simple pre-tax health plan, Harmoni125 integrates preventive care services and medical reimbursement strategies that open up large tax savings, along with providing employees with more access to the care they require.
The Real Difference: How Harmoni125 Works
Here’s how Harmoni125 works differently:
Uses Section 125 to facilitate tax-favored contributions
Includes a totally managed PCMP, providing preventive care services such as 24/7 telehealth, coaching, and wellness tools
Adds a SIMRP, reimbursing employees for qualifying out-of-pocket health expenses, without adding to employer costs
Designed to integrate easily with your current benefits, no disruption or plan changes necessary
Together, this triumvirate is an effective, behind-the-scenes machine that enhances benefits, trims claims, and enhances both morale and retention.
Employer Benefits: Why Harmoni125 Is a Smart Business Move
If you’re working with a labor force of 30,000 to 40,000+ workers, Harmoni125 can have a direct impact on your bottom line.
As an employer, here’s what you can look forward to:
- Save $600–800 per worker per year (~$68,000 per 100 workers)
- No out-of-pocket expense to implement
- Lower healthcare claims (average savings of $1,400 over 3 years)
- Rapid rollout — go live in as little as 30–45 days
- Better employee retention and performance
- Smooth integration with your existing health plan
And since it’s completely automated and compliant, there’s no additional strain on your HR staff or internal infrastructure.
Employee Benefits: Care Without Compromise
Your workers receive something better still: a strong, no-charge addition to their current protection, with no reduction in take-home pay.
Key features include:
- $0 copay 24/7 telehealth — access to physicians, nurses, and coaches at any time
- Mental health support — guidance, addiction support, and emotional well-being tools
- Mayo Clinic wellness dashboard — monitor progress, set targets, remain healthy
- Critical Illness, Universal Life & Disability coverage — additional protection layers
- Spouse & dependent enhancements — bring benefits to the entire family
With employees, Harmoni125 means true peace of mind. With employers, it’s a game-changer for recruitment and retention.
Why This Isn’t Just a “Health Plan Section 125”
Some may call Harmoni125 a basic health plan Section 125. But that would be selling it short.
It does begin with the tax-saving strength of a pre tax health plan, yes. But Harmoni125 does much, much more. It melds compliance, automation, and up-to-date preventive care into one streamlined, high-performance solution. It’s not only an improved benefits plan—it’s an improved business strategy.
Real Value, Zero Disruption
One of the most significant benefits of Harmoni125 is the way that it works so quietly and with such efficiency. There’s no disruption to current coverage, and no additional cost to your monthly budget.
You’re merely providing your employees with a wiser, richer benefit plan that occurs behind the scenes—yet provides very tangible benefits.
In short:
- Nothing new to learn.
- Nothing to lose.
- Everything to gain.
That’s balance without trade-offs.
Why Employers Choose Harmoni Care
At Harmoni Care, our purpose is to assist employers in moving in harmony with both business objectives and employee requirements.
We appreciate that you value your people and your profitability. Harmoni125 is designed to provide:
- Financial assistance in the form of annual tax savings
- Improved benefits that employees really appreciate
- No disruption to existing plans or operations
Quiet impact is what we believe in. In the background, Harmoni125 enhances lives and makes teams stronger while safeguarding your bottom line.
The Time to Act Is Now
Healthcare costs aren’t going down. Retaining top talent is harder than ever. And offering strong, meaningful benefits is no longer optional—it’s essential.
With Harmoni125, you’re not just adding another health benefit. You’re adding a strategic, tax-advantaged solution that benefits everyone involved.
And the best part? It’s already working for 30,000+ employees nationwide.
You could be next.
FAQs About Harmoni125
Is this the same as a regular Section 125 plan?
No. Harmoni125 features a Section 125 pre tax health plan component, but it goes a good deal beyond that by pairing it with a PCMP and SIMRP. This combination forms an expanded, richer benefits package for employers and employees alike.
Will employees notice any difference in their paycheck or health insurance?
Not at all. Employees see no decrease in take-home pay and don’t have to change their existing health plans. Harmoni125 operates silently in the background.
How quickly can it be deployed?
The majority of companies are up and running within 30 to 45 days. Our staff does everything—from onboarding to compliance—so there’s no interruption to your operations.
What types of industries is this plan well-suited for?
Harmoni125 works especially well in high-turnover industries like retail, hospitality, manufacturing, logistics, and healthcare—but it’s flexible enough for almost any sector.
Ready to See the Savings?
Let’s talk.
Whether you’re curious about the numbers or ready for a personalized rollout plan, we’re here to help.
Book your 10-minute consultation and get a free proposal today!
Reference:
https://www.adp.com/resources/articles-and-insights/articles/s/section-125-cafeteria-plan.aspx