PRAM is a Pharmacy Underwriter, and is considered one of the nation's leading Pharmacy Consultants and Risk Managers providing financial guarantee programs for prescription benefits nationally.

Our primary service to you, a leading Employee Benefits Consultant, would be a secure placement opportunity for those clients requesting or requiring an aggressive, but fully insured pharmacy program. As an underwriter with full binding authority, we can set coverage with appropriate PMPM rates that are guaranteed for the next 12 months.

PRAM is uniquely qualified to help your client control pharmacy benefit costs. When partnering with you, we will:

• Review your client's current pharmacy benefit management rates and fees.
• Review your client's drug benefits and develop trend management strategies.
• Explore alternative funding structures to fit your client's needs and risk tolerance goals. Besides the standard Fully Insured coverage, we could structure a Min./Max., Premium Retention, Profit Sharing or Self-Funded with Stop-Loss coverage program.
• Be available for consultation and audit throughout the plan year.
• Recommend and implement creative and proven cost containment techniques.

As Pharmacy Consultants, PRAM can assist your organization in developing cost containment strategies for active and retiree populations, working through you, to solidify your relationship with the client.