Employee Benefits - Based in Phoenix, Arizona
Benefits shouldn’t create more work for your business.
PAKG Benefits is a national benefits firm based in Phoenix, Arizona. We manage your benefits while you manage your business.
Any broker can get you quotes. The difference is what happens next.
When you call, you reach a team member who knows your account.
When an employee has a billing problem or a claim gets denied, they can call us directly. 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 to explain what each funding option would mean for you.
Enrollment
We meet with your employees, often in-person, and are available for new hires and life changes.
Implementation
Applications, carrier setup and payroll get checked before the effective date, so coverage works when it should.
Ongoing Service
Our team is here for you year round. ID cards, prior authorizations, claim denials - you name it, we can help.
“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.”
Education and enrollment support help employees make informed decisions.
We offer virtual and in-person enrollment support. Employees have access to our team whether it's Open Enrollment, enrolling as a new hire or experiencing a life event.
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 employee count, budget and risk tolerance.
All benefits- Fully InsuredYou pay a set premium. The carrier handles the claims and the risk.
- Level FundedLooks and feels like a fully insured plan but with more transparency.
- CaptiveSelf Funding with guardrails. Risk is pooled with other employers so one bad claims year doesn't land entirely on you.
- Self-FundedOffers 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 takes the work off your plate. We design and implement group health, ancillary and worksite benefits while focusing on employee education and engagement. Our team manages everything from benefits administration to everyday questions employees face when using their insurance. Employers and employees can call us any time.
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. Our national footprint continues to grow. Please contact our team if you do not see your state listed.
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?
PAKG works with groups of all sizes and our strategy is different for each market segment. Our team represents employers in the small, mid and large group spaces.
Let’s talk about your benefits.
Tell us what's working and what you'd like to see improved. We'll take it from there.