Self-Funded Health Benefit Administration
Experience the Distinction
Our strong network savings, best‑in‑class administration, and flexible plan design options give employers the power to build benefits that truly fit their needs.
We combine comprehensive vendor partnerships with integrated, seamless solutions to enhance plan manageability and member experiences. Through in‑depth analytics and data interpretation, we help clients identify opportunities to control costs, improve total cost of care, and exceed performance expectations. With stewardship focused on fund retention and strategic program monitoring, PAI supports smarter decision‑making and stronger outcomes for both employers and their employees. Contact us to learn how our approach can elevate your benefits strategy.
Effective Administration
We help employers implement and monitor programs that meet their needs and support employees where they are, ensuring no opportunities for cost control or improved member outcomes are missed.
Effective administration is rooted in oversight, insight, and proactive management—and PAI delivers all three.
Smarter Benefits Start Here
Powerful enhancements that deliver savings, convenience, and support.
HSA/FSA/HRA Accounts
Personal Health Spending Accounts
PAI offers Flexible Spending Accounts (FSA), Health Savings Accounts (HSA) and Health Reimbursement Accounts (HRA) through AccrueHealth. These personal spending accounts (PSA) provide health care dollars for members to use when paying for qualified medical expenses.
AccrueHealth offers an innovative platform capable of streamlining all types of PSAs, simplifying account management for employers. Member tools are easier to navigate as well:
- One website
- One debit card, if applicable
- One mobile app
- One customer service phone number
Employers have online access to view account information and assist members with inquiries.
PAI MemberConnect
On-the-Go Health Made Simple
Text messages are a great way to keep up with kids, friends and appointments. Now, they can help members stay on top of their health.
PAI makes it easy to stay connected with our members through their mobile devices. Our goal is to provide both members and their dependents (18+) with useful information and resources, right at their fingertips. By signing up for the PAI MemberConnect text messaging program, members will receive texts with secure, personalized updates on their health benefits and tips. These messages are designed to help you make the most of your healthcare benefits, save on costs, and offer advice on improving your health. We’ll be reaching out regularly to keep you informed and supported.
We highly recommend mobile messaging, though it's totally optional! It's an easy and secure way to get helpful info. Scan the QR code to get started, or visit https://sfba.paisc.com/opt-in-to-receive-texts to opt in!
PAI Analytics®
PAI Analytics is an integrated suite of tools on a single platform allowing an employer to crunch big data into the bite-size pieces needed to drive cost savings and make the most of a health benefit plan design. PAI Analytics' enhanced reporting capability allows a decision maker the opportunity to gauge the real-time performance of a benefits plan. Learn now Planned Administrators, Inc. saw a 50% reduction in report requests from our users because clients can access the information anytime and anywhere they needed it in our latest whitepaper.
Learn MoreHealth Coaching + Wellness Programs
Make Health a Priority
Members’ health and well-being are important, but sometimes they may need a little help to make them a priority. Health Coaching helps members to better manage any lifestyle habits that could possibly affect their health and the quality of their life.
Health Coaching is a confidential phone-based program that guides members through healthy behavior changes by building on their strengths. Health coaches are registered nurses who are available to answer members’ health-related questions and address their concerns. All calls are scheduled at members’ convenience and on their timeline.
Health Coaching Can Help
Whether members want to eat healthier, quit smoking, manage stress, or manage a chronic condition, Health Coaching can help members:
- Better understand their health risks or condition
- Recognize early warning signs that may require medical attention
- Understand their doctor’s recommendations, medications and treatments
- Gain more control over their well-being
- Set goals to reach their healthy best
Direct Primary Care
Direct Primary Care (DPC) is a powerful strategy for self‑funded employers seeking better cost control, improved access, and stronger health outcomes. With predictable monthly fees and unlimited primary care access, DPC reduces costly ER visits, specialist referrals, and unmanaged chronic conditions—often lowering overall medical spend by 20–40%.
Employees benefit from same‑day appointments, longer visits, and direct communication with their provider, resulting in more proactive care and fewer avoidable high‑cost claims.
For self‑funded groups, DPC aligns well with the flexibility and transparency they prioritize. It’s customizable to the employer’s population, and when paired with PAI’s administrative expertise, employers receive coordinated support for services outside DPC—such as wrap networks or reference‑based pricing.
Virtual Health
Talk to a doctor anytime and anywhere
Our preferred partner, First Stop Health, provides members with 24/7/365 access to quality care from their home or office as opposed to more expensive settings like the doctor’s office or emergency room.
When to use telehealth:
- When you need care now
- If you're considering the ER or urgent care center for a non-emergency issue
- On vacation, on a business trip, or away from home
Providers can treat:
- Cold & flu symptoms
- Allergies
- Sinus problems
- Sore throat
- Respiratory infection
- Skin problems
- UTI's
- and more!
Virtual Mental Health
First Stop Health offers access to mental health services. Licensed counselors can help with depression, anxiety, substance abuse, and more. Counselors are available 24/7 and appointments can be scheduled within three days, compared to the national wait time of six weeks.
Measured Performance + Proven Administrative Value
Year‑over‑year results demonstrate a 10% decrease in medical costs and an almost 12% reduction in pharmacy spend, driven by improved care navigation, stronger network management, and targeted utilization strategies.
Against commercial benchmarks, outpatient costs are $163 PMPM lower, professional office visit costs are $44 lower, and pharmacy costs are $97 lower, reflecting both pricing efficiency and smarter utilization patterns across all major cost categories.
Looking at a longer trend, the impact becomes even more significant: from CY 2022 (pre‑implementation) through CY 2025, paid medical and pharmacy PMPM increased only 3.21% over three years—compared to a 24% national increase during the same period.
This demonstrates the stability and predictability that employers can achieve when cost management, member engagement, and data‑driven oversight are aligned.
Our Alternative Solutions
Reimagine self‑funded benefits with customizable designs, powerful analytics, and hands‑on support.
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![Reference-Based Pricing (RBP) Icon [White]](https://email.paisc.com/hubfs/Reference-Based%20Pricing%20(RBP)%20Icon%20%5BWhite%5D.png)
Trusted Network Partners
We collaborate with some of the most respected names in the industry to deliver unmatched value and comprehensive solutions for our clients and members.
