At Benefits by Design, we work with all of the major insurance companies and tailor employee benefit plans that work best for your organization's needs. Here are some of the products we offer.

The best way to get started is to schedule a brief consult call with us. We know you don't have time to waste, so let us use our experience and expertise to help you.

Group Insurance Plans

These types of plans can be funded by the employer, shared between the employer and employee, or fully funded by the employee (voluntary benefits). We'll determine what works best for you and build it.

We offer:

Health / Medical





Long-term Care

Accident and Critical Illness


Hospital Indemnity ("Gap")

Benefits by Design is responsive to our group needs, both customer service and insurance plan structure. They do not try to over sell and always look for the best and most competitive package. I highly recommend Kristine Kassel and Benefits by Design.

Larry Bergholz

Chief Operations & Financial Officer, Gabriel’s Angels

Group medical carriers we currently represent:


Blue Cross Blue Shield of Arizona

EMI Health


National General

United Healthcare

Group Administration Plans

Since our plans meet your needs, we have many flexible approaches that are compliant with all legal regulations and requirements, including:

  • Health Savings Account (HSA)
  • Health Reimbursement Account (HRA)
  • Flexible Spending Account (FSA)
  • COBRA and mini-COBRA
  • Section 125 or Premium Only Plans (POP)
  • The Affordable Care Act (ACA) Compliance Products including: ERISA, Specific Plan Document (SPD, also called Wrap Document)

Our company has a long and valued relationship with Benefits by Design for our health care insurance needs. The staff is exceptionally knowledgeable, responsive and wonderful to work with regarding our medical insurance and any issues. I sleep better at night having Benefits by Design on our team and taking great care of the employees.

Donna J. Davis, President/CEO

DIR Group Management, Inc.

Individual & Family Insurance Plans

Although we work with companies, occasionally our clients have a need for individual or family health insurance. Contact us directly to learn more about coverage and if you qualify for a subsidy. Companies we represent include:

  • Ambetter
  • Bright Health

Short-term Health Insurance and Telehealth Plans

A short term plan is used in place of having no other coverage and can be purchased for a short period of time up to 1 year. The telehealth plan provide quick and convenient coverage on many minor medical conditions by accessing a physician or nurse practitioner by phone or Skype.

Learn more about these interim options:

Kristine Kassel and her team at Benefits by Design are amazing! Offering a wide range of products and services they are very knowledgeable about the insurance industry. Benefits by Design has the tools necessary to meet the needs of any business while saving you money. I am proud of our continuing business relationship with them, and look forward to many more years of working together.

Kylie Humble

Operations Manager, Fischer Institute of Physical Therapy and Performance

Individual & Family Dental and Vision Insurance Plans

Dental and Vision are sometimes not included in your group health insurance plans, yet many employees are looking for that coverage. We offer individual plans from:

Travel Insurance / International Health Policies

If you are traveling outside of the country, this is a recommended service in addition to your health insurance to ensure that you are covered for any medical issues during your trip.

Purchase travel or international health policies from IMG

Trust us; you don't have time to become an expert on this.

In the 60 years that we have been in business, Benefits By Design is easily the best insurance broker we've encountered. Super responsive to our questions, both on a personal and corporate level, they're always willing to help get timely and accurate answers to often complicated health-care questions. Their continuing effort to help us control costs while still maintaining "Cadillac" benefits as well as doing a fantastic job of educating both our staff and employees about the programs that we offer has resulted in happy employees. In addition to medical insurance, we've received numerous ancillary services, such as flu shots, weight-loss programs, smoking cessation and others that have definitely helped our group perform better.

I strongly recommend Benefits By Design to any small business that is looking for an honest and efficient approach to their health-care needs.

Mike Roswell, President

Roswell Bookbinding