About Benefits by Design Insurance Services

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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By Pam Morton February 15, 2025
Is a Health Savings account with a high deductible plan the right fit for you?
By Pam Morton February 15, 2025
What are the options and what is required
By Pam Morton February 15, 2025
What will work best for you?
By Pam Morton February 15, 2025
Goal: Shift resources from high-cost benefits to expanded options at a lower cost
By Pam Morton February 15, 2025
Profile: Accounting and Consulting Agency Goal: To Improve benefits without increasing the cost  How: Benefits by Design Insurance Services conducted a complimentry analysis of current benefits
By Pam Morton February 15, 2025
How to get the most value out of Dental Insurance
By Pam Morton February 15, 2025
Before you buy Vision Insurance, here are things to consider
By Pam Morton February 15, 2025
You may already have everything you need in place to purchase small group Health Insurance
By Pam Morton February 15, 2025
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By Pam Morton February 15, 2025
What should we be thinking about to get the best value at the lowest cost?
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