About Benefits by Design Insurance Services

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Insurance and Medicare Experts for 20+ Years


Pam Morton is the Agency Owner and Broker for Benefits by Design, and she brings over 20 years of experience in corporate health care insurance, working with the major health insurance companies in all market segments, including: Small Group, Large Group, National Accounts, Specialty Products, and Individual and Family Plans, as well as Medicare. That experience gives Pam an intimate understanding of product and compliance knowledge, as well as industry relationships that she brings to the benefit of our team and clients.


Pam has a B.A. in Communications from California State University Fullerton.


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The experts at Benefits by Design Insurance Services help people all across California, but specialize in insurance coverage in Carlsbad, North County, San Diego County, Larkspur, Bay Area, Marin County, San Francisco, and Sonoma County.

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Check out What's New on our Blog

By Pam Morton April 11, 2025
How much vacation time do your employees get?
By Pam Morton April 11, 2025
Dental Insurance is one of the top five must-have Employee Benefits
By Pam Morton April 11, 2025
SECURE 2.0 Act Impacts
By Pam Morton April 11, 2025
Developing a Policy
By Pam Morton April 11, 2025
Best Practices on Wellness Programs
By Pam Morton April 5, 2025
Eligibility, Contributions and Flexibility
By Pam Morton March 15, 2025
Have You Always Dreamed of Owning Your Own Business?
By Pam Morton March 15, 2025
Mental Health for Your Employees
By Pam Morton March 15, 2025
Different Types of Power of Attorney Documents and Why You Need Them
A piece of paper with the word medicare written on it
By Pam Morton March 15, 2025
It may look like junk mail, but it is very important to carefully read your Annual Notice of Change from your Medicare Advantage or Medicare Part D Prescription Drug company
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