Access to Healthcare for the Hospitality & Service Industry

As our community's restaurants and hotels work to open their doors, we introduce you to an affordable healthcare option to provide for the basic needs of hourly staff in the food and hospitality markets.

Rising healthcare costs are impacting businesses and employees alike. One solution has been high deductible health policies. However, cost sharing (high deductibles and payroll deduction) discourages enrollment and results in fewer employees having access to basic healthcare services, like routine doctor visits.

Pan-American Benefits Solutions has partnered with Healthcare2U to provide low cost direct access to basic healthcare services. Affordable access, facilitated by the employer, solves a fundamental healthcare problem and also addresses one of the biggest challenges facing service sector employers—turnover. As these statistics show, the cost of turnover is astounding!

  • Replacing one hourly employer can be as high as $5,864*

  • In 2017, the annual employee turnover rate was 73%**

  • Replacing an entry-level position can cost up to 40% of an employee’s salary***

* Cornell’s School of Hotel Administration
** United States Bureau of Labor Statistics
*** SHRM

Healthcare2U, combined with PANAMED (access-based indemnity health insurance), provides a combined network of over 500,000 providers nationwide. PANAMED provides simple-to-use direct benefits without deductibles or coinsurance. Complementing PANAMED, Healthcare2U’s Direct Primary Care (DPC) provides unlimited access to their nationwide network of board-certified doctors for:

  • Unlimited doctor visits with only a $10 visit fee,

  • Unlimited chronic disease management for the same $10 visit fee,

  • Unlimited urgent care visits for only a $25 fee,

  • 24/7/365 unlimited Virtual DPC for $0 out-of-pocket cost.

WHAT DOES THIS MEAN FOR EMPLOYERS?

  • Retain and attract top employees with a small budgetary expense relative to high turnover costs

  • Quality basic healthcare at a minimal cost

  • Tax-deductible premiums

  • Minimal administration required

  • Advocacy support for members

  • Plans can be placed under Section 125/Cafeteria plan

  • Easy enrollment

PLAN HIGHLIGHTS INCLUDE:

  • No exclusions for pre-existing conditions

  • Guaranteed Issue - no medical questions during open enrollment

  • Access based plan (first dollar coverage - no deductibles)

  • Coverage for prescriptions and accidents available

  • Full bilingual service (English-Spanish)

Hospitality & Service Benefits Resources

Download direct primary care access flyer here

Interested in Learning More?

Let us know and we’ll put you in contact with our team!