Employee Benefits And Health Plans

Strategic programs designed to address your organization’s business and human capital objectives.

Looking Ahead to Deliver Optimized Health and Benefits Performance Outcomes

When designing a comprehensive employee benefits and health insurance program, we believe that forward-thinking is critical. That’s why we take a multi-year approach to assessing your organizational and workforce needs and use predictive modeling tools to develop projections based on demographics and claims data. After your plan has been developed, we continue to scan the landscape to determine the impact plan changes would have on your financial profile, employee experience, and administrative responsibilities. This commitment is capped by year-end reporting, which measures our performance against your expectations.

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Strategy and Expertise


From the outset, we develop a 3-year plan with built-in assessments to help guide your choices throughout changes in your business or market environment. We focus on underwriting to establish credibility with insurance carriers, and provide consulting on complex funding arrangements, pharmacy benefit management, stop loss, and other technical items.

Our best-in-class benchmarking tools provide strategic recommendations and ensure competitiveness, while our unique data analytics determine premium or premium equivalent options.


Our team sets themselves apart with an average tenure of 15 years in the health benefits industry, including experience on the insurance carrier, intermediary and consulting sides of our business. The combination of each member’s unique background is Panorama’s foundation.

We offer subject matter expertise in funding methodologies, underwriting, health and wellness, human capital, pharmacy benefit management, compliance, benefits communications, mergers and acquisitions, international benefits, and more.

Employee Benefits Services

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Benefits Advisory

Plan design and strategy

Financial benchmarking

Provider network analysis

Ongoing client advocacy

Alternative funding strategies

Leveraged carrier relationships

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Corporate branded communication campaigns

Health advocacy and education
Technology-powered enrollment support

Virtual benefits open enrollment communications

Digital postcards and decision support tools

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Executive Benefits

Buy/sell coverage

Key person life

Deferred compensation

Long-term care

Executive disability

Universal life

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Global Benefits

Business travel accident

Expatriate and third-country national

Country guides

Multi-national pooling


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HR Services & Compliance


ACA Reporting

HIPAA privacy and data security

Signature-ready 5500 filing

SPD Wrap Document/SMM

Federal & Statutory Compliance

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Underwriting & Market Analysis

Predictive modeling

Claims & stop-loss analysis

Contribution strategies and analysis

IBNR: Reserve analysis

Pharmacy benefit management analysis

Self-insurance assessment

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Voluntary Benefits

Worksite benefits

Identity theft & cybersecurity

Pre-paid legal services

Pet Insurance

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Wellness & Health Management

Wellness consulting

Evidence-based programs

Worksite wellness evaluation

Employee engagement surveys

Onsite biometrics

Health quality assessment

Offering a competitive benefits program puts you at a competitive advantage.


Contact An Employee Benefits Expert