PRAM's Benefits Staff brings over 100 years of experience in underwriting, pricing and managing Accident & Health Insurance Programs. Our staff is experienced at both the administrative (TPA) and Insurance/Reinsurance Carrier level. PRAM's Pharmacy staff works closely with the Benefits Team to develop quality Health Care solutions for Employers on a local, regional and national level.

PRAM works directly with the Insurance Companies to develop customized plan designs to meet the needs of our clients. PRAM's underwriting experience and knowledge of the evolving healthcare marketplace lends credibility when we develop recommendations on pricing, administration and underwriting.

PRAM accesses the nations leading Insurance Carriers and Reinsurers as an Underwriter and a Managing General Agent. The following products are offered through PRAM:

• Fully Insured Pharmacy
• Self-Funded Major Medical Plans
• Limited Benefit Program
• Dental Plan
• Term Life
• Short-Term Disability