Health & Benefits Solutions

Underwriting and Market Analysis
Health & Productivity


  • Forward Looking – Multi-year assessment & plan design (typically 3 years)
  • We Speak "Underwriting"  – Underwriting is critical in establishing credibility with insurance carriers and essential when consulting on complex funding arrangements, pharmacy benefit management, stop loss and other technical consulting.
  • Decisions Matrix – Our method for helping clients make decisions incorporates the impact any changes would have on their organizations financial profile, employee experience, and administrative responsibilities.
  • Multi-Modality Communications – Each client has unique needs in terms of how their employees receive information.  We assist through providing numerous methods of content presentation (e.g. At-a Glance, Summaries and Full Corporate Branded Benefit Guides), as well as, a multitude of distribution channels (e.g. digital communications, mobile app and paper).


  • Benchmarking Tools - Panorama invests in best-in-class benchmarking tools which provide critical data that our consultants leverage to provide diligent recommendations to clients and ensure competitiveness in their respective market vertical
  • We utilize a unique data analytics and predictive modeling tool that provides our clients with claims analytics and premium or premium equivalent projections on our clients specific demographics and claims data.

Underwriting and Market Analysis

  • Renewal Review and Projections
  • Plan Design Review and Modeling
  • Contribution Strategies and Analysis
  • Healthcare Reform Modeling
  • Self-Insurance Feasibility Analysis
  • Stop Loss Analysis
  • IBNR - Reserve Analysis and Actuarial Services
  • Pharmacy Benefit Management Analysis
  • Comprehensive Benchmarking
  • Claims Analytics
  • Predictive Modeling

Health & Productivity

  • Data Collection and Analysis
  • Health Risk Assessment
  • Biometric Screening
  • Genetic Testing
  • Whole Body Screening
  • Executive Screening
  • Program Planning & Engagement
  • Health & Productivity /Wellness Coaches
  • Health Fairs
  • Worksite Evaluation
  • Employee Survey
  • Return on Investment
  • Long-Term Strategies
  • Behavioral Change
  • Risk Mitigation
  • Develop a Culture of Health
  • Reduction in Costs
  • Alignment with Corporate Initiatives
Employee Engagement
Human Capital Management & Technology
Executive Benefits


  • Compliance Resources Include:
  • Signature Ready 5500 Filing
  • Health Care Reform / ACA Compliance
  • HIPAA Privacy and Data Security
  • State and Federal Legislative Updates
  • Leave Law
  • Clients of Panorama have free access to MyWave
  • Regular Webcasts and Seminars on the latest topics

Employee Engagement

  • Corporate Branding of your Benefits and Wellness Program
  • Benefits Communications  - Digital Benefit Guides, Flipping Books, At-A-Glance, Apps
  • Open Enrollment Presentations
  • Web-Based Communications
  • Online Enrollment and Benefits App through Employee Navigator (free to Panorama clients)
  • Health Advocacy
  • Employee Surveys
  • Benefits Statements
  • Health Education

Human Capital Management & Technology

  • Vendor Research
  • Budget Evaluation
  • Project Management
  • Implementation
  • Timelines
  • Statement of Work Analysis
  • Technology Analysis
  • Merger & Acquisition Due Diligence and Analysis
  • Benefits Administration
  • HRIS

Executive Benefits

  • Deferred Compensation
  • Buy/Sell Agreements
  • Split Dollar Insurance Plan
  • Supplemental Executive Disability and Life Insurance
  • Whole Life
  • Long-Term Care
  • Executive Physicals at a Center of Excellence
  • Genetic Testing - Physical, Diet, Medications, Medical Predisposition
Group Based Individual Insurance
International Benefits

Group Based Individual Insurance

  • Auto
  • Homeowners
  • Renters
  • Motorcycle
  • Health, Dental, and Life
  • International Benefits

International Benefits

  • Employee Benefits
  • Expatriate and Third Country National
  • Business Travel Accident
  • Multi-National Pooling
  • Country Guides
  • Employee Contract/Agreement Due Diligence
  • Kidnap & Ransom
  • Repatriation
Los Angeles
New York
Orange County
Orange County

General Questions

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