Employee Benefits
Benefits should fit the company offering them.
We work with national carriers, regional plans and newer options like direct primary care. How the plan is funded depends on your size, your budget and how much risk you're comfortable carrying.
How the health plan is funded
Carrier carries the riskYou carry the risk
- 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.
Start here
Health Insurance
For most employers, health coverage is the biggest benefits decision of the year. We'll show you the numbers plainly and help you pick a plan your employees can use.
- Dental & VisionSmall on the invoice. Employees notice them anyway.
- Life & DisabilityMost employees don't think about this coverage until they need it.
- Worksite BenefitsSupplemental plans that pay cash after an accident, a diagnosis or a hospital stay.
- Nontraditional BenefitsCandidates ask about these more often now.
“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.”
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.