Need help with insurance and employee benefits?

We find the right health care coverage with the most value for you, your family, and your business.

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Benefits by Design Insurance Services's staff and agency partners have more than 20 years of expertise finding the best insurance options for both businesses and individuals.

We believe that there is no one-size-fits-all approach. Instead, we custom tailor our insurance solutions to your needs and budget. Our years of experience and direct, honest answers will help you simplify your benefits decisions to find the right products for your health insurance and other benefits.

Benefits by Design Insurance Services is a full-service health insurance and employee benefits brokerage, offering custom-tailored coverage solutions for you or your California-based business.  We help you find the right products with the most value.


Benefits by Design Insurance Services does not charge any fees for our services.  We are paid by the insurance companies at no additional cost to what you pay for your coverage.

We provide professional advice for your insurance needs

  • Group health insurance for businesses and non-profits
  • Individual health insurance with Covered California (on exchange)
  • Direct to the Insurance company (off exchange)
  • Dental and vision products
  • Group life insurance
  • Group disability insurance
  • Voluntary benefits
  • Medicare products
  • Travel insurance
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We're Happy When Our Clients Are Happy

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Pam at Benefits by Design was incredibly helpful to our whole family as we navigated a plethora of options. In addition to clear and comprehensive information, Pam also provided nuanced guidance for our particular needs and priorities, which helped us land on the plans we know are best for us. Highly recommend!

Michelle B, 2025

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Pam was lovely to work with! She is extremely helpful and found me an affordable health insurance plan here in California. It is a relief to have someone so knowledgeable in this field guide you through the different options that are suited for you.

Allison, 2025

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It's rare to meet people who love what they do and delight in helping their clients, but Pam is one of these rare individuals. Not only is Pam highly knowledgeable about plan options, she loves finding just the right plan to support your needs. 6 out of 5 recommend Benefits By Design.

Andria, 2024

Employee Benefits for Small Businesses is Our Specialty

We work as an extension of your team, providing innovative, human-centric solutions that help simplify decision making, saving time and resources.

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Medicare is Complex.  We Can Help.

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Medicare Supplement

Medicare Supplement, or Medigap, bridges the coverage gap left by Original Medicare (Part A and Part B) and covers costs like deductibles, copayments, and coinsurance.

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Medicare Advantage

Medicare Advantage, also called Medicare Part C, combines the benefits of Original Medicare (Part A and Part B) into a single plan with additional coverage, like dental, vision, hearing, wellness, and more. 

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Prescription Drug Plans (PDP)

Medicare Part D Prescription Drug Plans (PDP) work in tandem with Original Medicare (Part A and Part B) and Medicare Advantage plans to provide prescription drug coverage. 

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Dental & Vision

Dental and vision plans are additional supplemental products beneficiaries can purchase (as standalone or part of Medicare Advantage) since they are not included in Original Medicare (Part A and Part B) coverage.

We Are Brokers Who Give You Options.

We work with all available insurance companies in California.

Check out What's New on our Blog

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Helping a Parent or Loved One with Medicare Annual Enrollment?

November 4, 2026
Helping a parent or loved one with Medicare Annual Enrollment? Discover 5 tips for reviewing coverage, comparing plans, and preparing for 2027.
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When a Picture Is Not Proof: Protecting Yourself From AI-Enabled Insurance Fraud

October 21, 2026
AI can help scammers create convincing images, voices, and documents. Learn the warning signs and simple steps that can help protect your insurance information.
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Giving Your Employees Holiday Gifts They Actually Want

October 7, 2026
Branded mugs end up in a closet. Here is what employees say they want, plus a tax detail worth knowing before you shop.
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