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Health Care Insurance for Restaurants and the Prepared Food Industry

Do you staff a chain of restaurants or prepared food establishments? Do you need to offer insurance benefits to your employees?

If so, Benefits in a Card’s insurance plans are right for you. With a 23-year legacy of serving the staffing industry, our plans are uniquely designed and managed to reduce the stress on your HR team and mitigate the risk associated with offering insurance benefits.

Are our insurance plans right for you?

Our plans are ideal for restaurants and other food establishments with lower wage, higher turnover workforces. These include:

  • Restaurants chains
  • Restaurant franchises
  • Food service companies
  • Catering companies
  • And more

Insurance for Restaurants and Prepared Food Companies

Minimum Essential Coverage

Ideal for restaurants and prepared food companies, Benefits in a Card’s Minimum Essential Coverage (also called MEC) is a wellness-preventive plan that satisfies the A Portion (or “A Tax”) of your employer mandate. It also satisfies the employee’s individual mandate. If your employee accepts your offer of coverage, you will also satisfy the B Portion.

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Minimum Value Plan (High Deductible)

Our Minimum Value Plan (MVP) High Deductible (hd) insurance plan is major medical insurance. This solution satisfies the A and B-portions of the employer mandate, in addition to the individual mandate. However, this plan does carry a high employee deductible.

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Fixed Indemnity Plans

Restaurants and food service staffing companies can also offer one of our fixed indemnity levels: Basic, Enhanced, or Premier. These indemnity plans provide first-dollar coverage towards indemnity services for your employees and do not carry deductibles or copayments.

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Ancillary Services

Restaurants and food prep companies can also choose to offer one of our six ancillary insurance solutions: term life, dental, vision, short-term disability, critical illness, and accident. Each of these may be purchase a la carte and offered individually.

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Benefits for Restaurants and Prepared Food Companies Companies

Reduce stress

Why should you be shackled with the stress of offering insurance? Isn’t that what you pay an insurance provider for? That is how we at Benefits in a Card look at our role in helping you offer healthcare solutions to your employees. We partner with you and handle the heavy lifting of your benefits offerings so you can focus on doing your business well in your restaurants or food establishments.

Best-in-class Customer Care

All of our customer care representatives are certified insurance agents. They are also all bilingual (English and Spanish), which ensures all of your employees get the individualized care and attention they need.

Mitigate your risk

The Affordable Care Act (or ACA) has made it difficult for many restaurants, chains, and catering companies to offer insurance benefits to their employees, and many companies do not know if they are exposed to risks and penalties. That’s where we come in. Let us help you mitigate your ACA risks.

Tailored enrollment process

We do not approach your company with a one-size-fits-all mentality. We know that you have a unique structure and process, and we respect that. That is why we make sure we tailor our enrollment and implementation processes to meet your needs.