If you’re an employer looking for a smarter, more cost-effective way to deliver healthcare and wellness benefits, a Section 125 flexible benefits plan may be exactly what you need. But what does it actually include?
At its core, a 125 flexible benefits plan, often called a cafeteria plan, lets employees choose from a variety of tax-free benefit options. But when you partner with Health Sphere and offer our Revive or Thrive plan, that flexibility goes much further. These are not standard cafeteria plans. They’re fully managed, compliant, and wellness-driven programs that combine Section 125 with deeper support like PCMP and SIMRP.
Let’s break down exactly what’s included and why it matters to your business and your team.
Core Components of a Section 125 Flexible Benefits Plan
A true Section 125 flexible benefits plan should do more than meet IRS requirements, it should actively improve financial outcomes and employee well-being. Traditional cafeteria plans often stop at tax savings, but modern solutions like Revive and Thrive blend compliance with meaningful wellness support. This means employees gain access to care that prevents costly claims, while employers enjoy measurable savings year after year. The result is a program that pays for itself while strengthening retention and morale.
A traditional Section 125 flexible benefit plan typically includes:
- Premium-only plans (employees pay their health insurance premiums with pre-tax dollars)
- Flexible Spending Accounts (FSAs) for healthcare and dependent care
- Health Savings Account (HSA) contributions
- Group insurance benefits, like dental, vision, and medical plans
All of these are deducted from paychecks before taxes, helping both employers and employees reduce taxable income.
Now, here’s where Health Sphere’s Revive and Thrive plans stand out.
What’s Included in Health Sphere’s Flexible Benefits Plans
Health Sphere builds on the traditional 125 plan structure by integrating three major components:
- Section 125 Tax Advantages
Employees pay for eligible health and wellness benefits pre-tax, reducing payroll taxes for your business and saving them money on their net income. - Preventative Care Management Plan (PCMP)
We manage access to care proactively, offering 24/7 virtual care, health coaching, mental wellness support, and more. - Specialized Insurance Medical Reimbursement Plan (SIMRP)
Covers a range of services like urgent care, RX coverage, life insurance, and family support, all without additional out-of-pocket cost.
These three pieces form the core of both Revive and Thrive, offering a complete, tax-advantaged solution that’s automated, compliant, and a very cost-free approach to the employers.
What Employees Get Through Revive and Thrive
Employees enrolled in Revive or Thrive gain access to a wide set of benefits, all included under a compliant Section 125 flexible benefit plan:
- 24/7 Telemedicine and Virtual Primary Care
- In-Person Urgent Care Access
- Mental Health, Counseling, and Addiction Support
- Spousal and Dependent Coverage at $0 Copay
- Mayo Clinic Health & Wellness Tools
- Health Vitals Facial Scan & Diet/Stress Programs
- Group Term Life, Critical Illness & Disability Insurance
- $0 Copay Prescription (RX) Coverage
- Employee Assistance Programs (EAP)
- 12 Annual Care Visits for the Entire Family
All services are provided at zero out-of-pocket cost to the employee. No copays, no deductibles, no paperwork confusion.
What Employers Get
Revive and Thrive aren’t just about employee perks, they’re built to make a direct financial impact for employers.
- Save $600 to $1,100 per year per W-2 employee
- Cut healthcare claims by an average of $1,400 over 3 years
- Reduce healthcare costs by 5–10%
- See results within 30–45 days
- Boost retention, morale, and productivity
- Zero administrative burden, zero compliance risk
Everything is fully managed by Health Sphere’s dedicated compliance and support teams, so your HR staff stays focused on what matters.
The True Flexibility of a Modern 125 Plan
Today’s workforce expects more than just basic coverage. They want wellness support, family care, and seamless experiences, and they don’t want to pay more to get it.
That’s why Health Sphere’s 125 flexible benefits plan go beyond the basics. We give employers and employees the flexibility to enjoy:
- Better benefits
- Bigger tax savings
- Lower out-of-pocket costs
- Automated onboarding and compliance
- Support that adapts as life changes
More than 70,000 employees are already enrolled and experiencing the difference with Revive and Thrive.
Start Offering Better Benefits; Tax-Free and Hassle-Free
If you’ve been searching for a smarter way to offer benefits, one that blends tax savings with real wellness and zero copays, then a Section 125 flexible benefit plan with Health Sphere is the upgrade you’ve been waiting for.
See What’s Included in Revive and Thrive
Book your 10-minute consultation and discover how a 125 flexible benefits plan from Health Sphere saves money, boosts health, and strengthens your workforce.
