Tania Corchado was already quite happy with the health care promised her family for the next nine years, a plan that would be the envy of many Americans. But once she got a peek at where it would be delivered — with no paperwork or, even better, a promise of never having to wait for a doctor — she was itching to make some appointments.

Starting next month, Ms. Corchado and her three children will have all their basic health care needs — like checkups, dentistry and physical therapy — met in a stylish health center on the edge of Downtown Brooklyn. Even better, treatments will cost her nothing, not even a co-payment, because Ms. Corchado belongs to a union, the New York Hotel and Motel Trades Council, that has championed a remarkable solution to the national challenge of paying for health care.

For decades, the union has operated its own health centers, staffed by hundreds of doctors, nurses and dentists employed by its benefits fund. Their services have been part of contracts the union has negotiated with the Hotel Association of New York, including the current one that runs until 2026. As a result, union members who work as maids and bellboys at $400-a-night hotels pay nothing for their health care.

Along with annual raises that will lift the wages of hotel maids to nearly $40 an hour in 2025, the contract called for a $120 million investment in the new health center in Brooklyn. With that money, which was diverted from the union’s pension fund, the benefits fund bought a parking lot and turned it into an 11-story building that fits into the cultural district surrounding the Brooklyn Academy of Music.