Employee Benefits Solutions Built for Arizona Employers
Designing a competitive benefits package is one of the most impactful decisions a business owner can make. DECLANCO BENEFITS brings 28 years of industry expertise to help Arizona employers — from sole proprietors to growing teams — navigate group health, dental, vision, life, and supplemental benefits with confidence. We simplify the complex so you can focus on your people.
A Full Range of Benefits, All in One Place
From foundational group health coverage to voluntary perks that attract top talent, DECLANCO BENEFITS helps you build a benefits package that fits your team's needs and your budget.
Group Health Insurance
Offer your employees access to comprehensive medical coverage. We help you compare ACA-compliant group plans from top Arizona carriers to find the right fit for your workforce and budget.
Dental & Vision
Dental and vision benefits are among the most valued perks employees expect. We source standalone or bundled dental and vision plans that keep premiums manageable and coverage meaningful.
Group Life Insurance
Provide basic or supplemental life coverage as part of your benefits package. Simple to administer, and a meaningful signal to employees that their families matter.
Supplemental Benefits
Accident, critical illness, hospital indemnity, and short-term disability — voluntary benefits employees can elect at no direct cost to you, adding real value to your overall package.
Voluntary Benefits
Give employees the power to personalize their benefits with voluntary add-ons. From pet insurance to identity theft protection, we connect you with options that resonate with today's workforce.
Benefits Administration Support
We don't disappear after enrollment. DECLANCO BENEFITS provides ongoing support for open enrollment, employee onboarding, carrier communication, and compliance questions throughout the year.
How Working With DECLANCO BENEFITS Works
We've designed our process to be clear, low-friction, and fully guided — so you never feel like you're navigating benefits alone.
01
Free Consultation
We start with a no-obligation conversation to understand your business, workforce size, current benefits (if any), and goals. This is where we listen.
02
Needs Assessment & Plan Design
Based on your consultation, we analyze your options across multiple carriers and design a benefits strategy tailored to your team size, industry, and budget.
03
Proposal & Carrier Selection
We present clear, side-by-side plan comparisons with honest guidance on trade-offs. You choose the plan that works — we handle the carrier paperwork.
04
Enrollment & Ongoing Support
We guide your employees through enrollment, answer their questions, and stay available year-round for renewals, changes, compliance updates, and anything in between.
Common Questions From Arizona Employers
Here are the questions we hear most often from business owners exploring group benefits for the first time — or switching brokers.
How many employees do I need to offer group health benefits?
In most cases, Arizona employers need at least 2 eligible employees (including the owner) to qualify for small group coverage. Some carriers have slightly different participation requirements — we'll walk you through exactly what applies to your situation during your consultation.
How much does offering employee benefits cost a small business?
Costs vary widely depending on the plan type, carrier, and how you structure employer vs. employee contribution. Many small businesses are surprised by how affordable group coverage can be compared to individual plans. We'll build you a clear cost model before you commit to anything.
Is a broker free to use, or do I pay for your services?
Our brokerage services are provided at no direct cost to you. We are compensated by the carriers, which means you receive expert guidance, carrier comparison, and ongoing support without any consulting fees.
What happens if I already have a broker or a plan in place?
We can review your current plan and compare it against today's market — often finding better coverage, lower premiums, or both. Switching brokers is straightforward and never disrupts your employees' coverage.
How does open enrollment work, and do you help manage it?
Yes. We guide you through every open enrollment period — preparing employee communications, coordinating with carriers, answering employee questions, and ensuring all elections are submitted on time and correctly.
What compliance requirements should I know about as an employer?
Depending on your workforce size, you may have ACA reporting obligations (ALE status at 50+ FTEs), ERISA requirements, and state-specific mandates. We stay current on Arizona and federal compliance rules and help you understand what applies to your business.
Let's Build the Right Benefits Package for Your Team
Whether you're offering benefits for the first time or looking for a better solution than what you have now, DECLANCO BENEFITS is ready to help. A free, no-obligation consultation is the first step.