As a business owner, you’re constantly looking for ways to reduce costs, retain your best people, and offer real value without increasing your overhead. That’s why cafeteria plans—especially those that go beyond traditional offerings—are one of the smartest investments you can make. But not all plans are created equal.
At Harmoni Care, we’ve reimagined the cafeteria plan model with Harmoni125, a powerful, fully-managed solution that leverages Section 125 plan alongside a Preventative Care Management Plan (PCMP) and a Self Insured Medical Reimbursement Plan (SIMRP). The result? One of the most compliant, cost-effective, and benefit-rich programs available today.
Let’s explore why Harmoni125 is an investment that pays off immediately and long term.
What Is a Cafeteria Plan and Why Does It Matter?
A traditional cafeteria plan insurance (also known as a Section 125 plan) allows employees to choose from a variety of pre-tax benefit options. It reduces taxable income, which means lower payroll taxes for employers and increased take-home pay for employees.
But here’s the thing: Harmoni125 is not just a traditional Section 125 plan. It’s a smarter, modern alternative that integrates Section 125 tax advantages with two additional components:
- PCMP (Preventative Care Management Plan)
- SIMRP (Self Insured Medical Reimbursement Plan)
This integration creates a compliant, automated solution that’s cost-free for employers and seamless for employees.
What Makes Harmoni125 a Smart Investment?
Harmoni125 is built specifically for businesses with 30,000–40,000+ enrolled employees, offering a unique structure that meets both financial and employee wellness goals.
Employer Benefits (Group 1 Structure):
- Save ~$680 per W2 employee annually ($68,000 per 100 employees)
- No out-of-pocket cost
- 30–45 day implementation with full automation
- Reduce healthcare claims per employee by up to $1,400 over 3 years
- Boost retention and employee performance
- Immediate bottom-line impact
These aren’t just hypothetical numbers. Employers currently using Harmoni125 have already seen measurable savings and operational ease—all without changing their existing insurance plans.
Employee Benefits:
- No change in take-home pay
- $0 copay 24/7 Telehealth access (doctors, nurses, health coaching)
- Mental health, addiction, and counseling support
- Mayo Clinic wellness tools and a personalized health dashboard
- Universal Life, Disability, Critical Illness coverage
- Coverage options for spouses and dependents
More than 30,000 employees are already enrolled in the Harmoni125 program—and counting.
Why Section 125 Plan Alone Isn’t Enough?
While Section 125 provides meaningful tax benefits, it doesn’t fully address the evolving needs of today’s workforce. Employees expect mental health support, flexible benefits, and cost transparency. Employers need plug-and-play solutions that deliver value without adding complexity.
Harmoni125 fills the gaps:
- It includes Section 125, but also builds on it.
- It goes beyond tax savings, offering tools that directly improve health outcomes.
- It requires zero changes to your existing health plan, removing a common barrier to adoption.
This makes Harmoni125 not just smarter—it makes it strategically essential.
A Quiet, Behind-the-Scenes Advantage
What sets Harmoni125 apart is that it’s completely invisible to your employees’ existing benefit experience. There’s:
- No disruption to current insurance carriers
- No need to adjust payroll vendors
- No HR burden
Everything is fully managed—from onboarding to compliance reporting—within 30–45 days. Your team gets all the advantages with none of the friction.
Why Business Owners Choose Harmoni125?
Harmoni Care was built with one simple philosophy: finding the right balance between doing what’s best for your team and protecting your business’s bottom line.
With Harmoni125, you’re giving employees a better benefits experience, without additional cost. It’s a win-win that supports loyalty, performance, and long-term culture building.
Employers who implement Harmoni125 say:
- “We improved employee engagement without spending more.”
- “It’s the easiest decision we’ve made all year.”
- “Our teams feel more supported—and it shows in productivity.”
How Harmoni125 Works (In Simple Terms)
- Discovery Call: Schedule a quick consultation to see if your company qualifies.
- Payroll Integration: Our team sets up everything—no lift for your HR or finance departments.
- Employee Onboarding: Educational materials, live support, and self-service tools included.
- Live in 30–45 Days: Your team starts benefiting, and you start saving.
Who Should Consider Harmoni125?
- Businesses with 100+ W2 employees
- Companies looking for tax savings without disrupting current benefit structures
- Employers who want to offer modern wellness tools without increasing costs
- Leadership teams focused on long-term retention and culture
If that sounds like you, it’s time to explore how Harmoni125 can work for your organization.
Harmoni125 is redefining what a cafeteria plan insurance model can look like. With better benefits, simpler onboarding, and real cost savings, it’s a forward-thinking investment for forward-thinking businesses.
Harmoni125 is your chance to:
- Cut payroll tax waste
- Enhance employee satisfaction and retention
- Introduce valuable benefits without additional cost
- Walk in harmony with your staff and your business objectives
Over 30,000 employees are already part of Harmoni125. Join the increasing number of savvy employers who are opting for balance rather than trade-offs.
Ready to See What Harmoni125 Can Do for You?
Let’s make your benefits work harder—without working harder.
Book your 10-minute consultation
Discover if Harmoni125 is the right fit for your organization. You’ve got nothing to lose—and plenty to gain.
Visit theharmonicare.com to get started.