H2B programs

Insurance solutions for H2B programs

Your H2B workers spend a full season in hospitality, tourism and service jobs. Their coverage should make everyday healthcare easy to reach and cost-effective to use.

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Illustration of a seasonal worker in a hospitality setting
Built for seasonal workEasy, cost-effective care

Your responsibilities

What matters most in H2B programs

H2B workers often live in busy tourism and leisure areas with good access to local care. Coverage should encourage practical use of telemedicine, urgent care and provider networks.

  • 01Healthcare accessReliable access to physician visits, urgent care and everyday, non-emergency care.
  • 02Cost managementFlexible deductibles and copays that keep care practical for organizations and workers.
  • 03Network accessBroad provider networks and telemedicine for fast care and fewer unnecessary ER visits.
  • 04Beyond workSupport during free time, transportation and everyday life outside the job.

Sample plan

How an H2B solution can be structured

An overview of a typical structure, based on our experience with H2B programs.

Final coverage, benefits and limits are always tailored to your program requirements, destination, participant profile, insurance carrier and claims administrator.

Medical coverage highlights9
  • Overall policy maximum between $100,000 and $500,000, available per illness or per injury
  • Deductibles, copayments and coinsurance kept as low as reasonably possible
  • Limited benefit for emergency treatment of pre-existing conditions available
  • Emergency room care, with education on when it should be used
  • Affordable, easy-to-access urgent care, walk-in clinic and telemedicine options
  • Hospital treatment and ancillary charges
  • Physician services (office and hospital visits)
  • Prescription drugs
  • Ambulance transportation
Exclusion options5
  • Exclusions reviewed and customized based on work environment and participant activities
  • Coverage for recreational activities adjusted to the program structure
  • Pre-existing conditions reviewed based on participant profile and program duration
  • Customized solutions for certain occupational or higher-risk activities
  • Exclusions for routine and preventive care, carefully reviewed and customized to a limited benefit if desired
Emergency assistance services4
  • 24/7 multilingual emergency medical assistance and support
  • Medical evacuation and repatriation
  • Repatriation of mortal remains
  • Compassionate emergency visit and bedside visit
Additional benefits3
  • Mental health and wellness program access, including crisis care
  • Telemedicine access
  • PPO network with direct billing for participants
Optional add-ons8
  • Liability coverage
  • Baggage coverage
  • Telemedicine, teletherapy and teledentistry buy-up
  • Online pharmacy discount program
  • Trip interruption, trip delay and trip cancellation
  • Legal advice
  • Emergency bail bond
  • Lost documents and emergency cash assistance
Program support and access5
  • Dedicated account manager to advocate for and assist H2B workers
  • Digital access to policy, ID card and other documents
  • Claims support and guidance
  • Guidance on when to file claims under workers’ compensation
  • Educational resources for participants and organizations

Let’s design the right coverage for your program

Tell us about your program and we’ll guide you through the next steps, whether you already have requirements or just want to explore options.

Request your customized plan or contact us