Employee benefits, Phoenix, Arizona
Benefits shouldn’t create more work for your business.
PAKG is a benefits firm in Phoenix. We help employers choose their plans, then keep helping after the paperwork is signed.
Any broker can get you quotes. The difference is what happens after that.
When you call, you reach someone who knows your account.
When an employee has a billing problem or a claim gets denied, they can call us too. Your HR team doesn't have to sort it out alone.
We stay involved before, during and after enrollment.
Before renewal
We look at your claims, workforce and budget, and explain what each funding option would mean for you.
Setting it up
Applications, carrier setup and payroll get checked before the effective date, so coverage works when it should.
Enrollment
We meet with your employees, often in person, and come back for new hires and life changes.
The rest of the year
When a claim is denied or an ID card is wrong, employees call us directly.
“PAKG was able to take our age-based small group plan to a level-funded plan that resulted in a massive cost savings to both our company and every single enrolled employee.”
Enrollment is when employees decide whether the plan makes sense to them.
We'll run enrollment meetings in person when that helps. Afterward, employees can still call us with questions about a bill or a new baby or a job change.
How we handle enrollment“Our team has developed a great partnership with PAKG Benefits, their dedication to our employee needs is evident. We appreciate their attention to detail and going above and beyond to insure they provide the highest level of service! Thank you PAKG Benefits!”
Four ways to fund a health plan.
The right one depends on your size, your budget and how much risk you're comfortable carrying.
All benefits- Fully InsuredYou pay a set premium. The carrier handles the claims and the risk.
- Level FundedIt looks and feels like a fully insured plan, with a much better view of how your plan is used.
- CaptiveA captive pools similar employers together, so one bad claims year doesn't land entirely on you.
- Self-FundedYou get the most control and the clearest view of where the money goes. You also take on more responsibility.
Is a conversation with PAKG worth your time?
The benefits assessment asks nine questions about renewal, enrollment and admin. You see the result right away, with no contact details required.
Start the assessmentInsights
All insightsWhy Are Healthy Groups Seeing 30% Renewals in 2027?
Even groups running well are seeing difficult renewals. PAKG looks at why underwriting feels less predictable heading into 2027 and what employers should ask their broker.
AI Has Entered Healthcare and Your Plan Is Paying for It
AI may be making healthcare administration faster, but new billing tools may also be increasing claim costs through more aggressive coding.
No Surprises Act
The No Surprises Act fixed a real problem for patients. It also created an arbitration system that may now be pushing plan costs and premiums higher.
Common questions
What does PAKG Benefits do?
PAKG Benefits is an employee benefits brokerage and consulting firm in Arizona. We design and place group health, ancillary and worksite benefits, run open enrollment and handle benefits administration. Employers and their employees can call us any time of year.
Where does PAKG work?
PAKG is based in Phoenix, Arizona. We serve employers in Arizona, California, Oregon, Washington, Utah, Colorado, Texas, Tennessee, Missouri, Illinois, Ohio, Pennsylvania, Massachusetts, New Jersey and Florida.
Can employees contact PAKG directly?
Yes. Employees call us about claims, bills, prior authorizations, ID cards and coverage questions. HR doesn't have to be in the middle.
What size companies does PAKG work with?
Small and mid-sized employers. That includes small-group ACA plans and self-funded groups with 50 or more enrolled employees.
Let’s talk about your benefits.
Tell us what you have now and what's bothering you about it. We'll take it from there.