You could do that for side panels with an {if} statement in the home.tpl for the side panels...
The following code is not actual code but it will show the flow.
Code:
{if $memebershiplevel=1}
{include fixedsidepanel1.tpl}
{else}
{include fixedsidepanel2.tpl}
{/if}
Hope that helps as a starting point.