Hospitality Employee Benefits
Hospitality Benefits That Reduce Turnover and Cut Costs
Hotels, restaurants, and hospitality businesses face the highest turnover in any industry. Our Section 125 supplemental plans help you retain staff, attract better candidates, and save $600-900 per employee annually.
Hospitality Healthcare Challenges Are Unique
Traditional benefits don't work for part-time, seasonal, and shift workers
Industry-High Turnover
Hospitality turnover exceeds 73% annually. Replacing a single worker costs $5,000-$10,000 in recruiting, training, and lost productivity.
Part-Time & Seasonal Workers
Most hospitality workers are part-time or seasonal. Traditional group health plans exclude them entirely, leaving your largest workforce segment unserved.
Non-Traditional Schedules
Evenings, weekends, and holidays are when hospitality workers are busiest. Visiting a doctor during business hours means lost wages and missed shifts.
Tight Margins, Rising Costs
Hospitality businesses run on thin margins. Full group health insurance premiums are simply too expensive for most hotels and restaurant groups.
The Hospitality Solution
Section 125 Benefits for Every Shift and Season
Optiv Health's supplemental benefits solve hospitality-specific challenges. Affordable coverage that works for part-time staff, seasonal workers, and employees on non-traditional schedules.
24/7 Telehealth for All Schedules
Workers can see a doctor anytime, even during late-night shifts or weekend rushes. No missed shifts, no ER visits for minor illnesses.
Free Medications for Common Issues
1,000+ generic medications at $0 copay. Cold and flu meds, allergy relief, and antibiotics keep your team healthy and on the floor.
FICA Tax Savings
Pre-tax premium deductions save both you and employees 7.65% on FICA taxes. Even with tight margins, the math works in your favor.
Part-Time & Seasonal Eligible
Unlike traditional group plans, our supplemental coverage can include part-time and seasonal workers. Cover more of your team affordably.
Real Results: Restaurant Group Success Story
Multi-Location Restaurant Group
The Challenge:
- 73% annual turnover costing over $500,000 in replacement costs
- Part-time staff (60% of workforce) received no health benefits
- Workers calling out sick because they couldn't afford to see a doctor
- Competing restaurants offering better perks to poach experienced staff
The Solution:
Implemented Optiv Health's Section 125 supplemental plan for all employees including part-time workers. 24/7 telehealth and free prescriptions gave workers real healthcare access.
The Results:
Savings across full-time and part-time staff
Employees stayed longer with health benefits
Telehealth and free meds kept workers healthy
Strong adoption across all locations
"In hospitality, turnover is our biggest expense. Since offering these supplemental benefits, our retention has dramatically improved. The fact that we can include part-time workers is a game-changer for our industry."— Operations Director, Multi-Location Restaurant Group
Simple Implementation for Hospitality
Plan Design for Your Business
We configure coverage that works for your mix of full-time, part-time, and seasonal workers. Multi-location? We handle all of them.
Multi-Location Enrollment
On-site enrollment at each location with sessions before or after shifts. Digital enrollment for workers who prefer mobile sign-up.
Payroll Integration
Pre-tax deductions set up across all locations. Works with any payroll system. FICA savings start immediately.
Stop Losing Staff to Turnover
Get a custom analysis for your hospitality business. See how affordable supplemental benefits can reduce turnover and save on payroll taxes.
Get Hospitality QuoteAffordable plans for part-time and seasonal workers. Multi-location support.