PRAM is a licensed insurance underwriter that specializes in pharmacy benefit programs for active and retiree groups, with a staff that is very experienced in managed care and pharmacy benefit programs.

Our service to you, a leading Pharmacy Benefits Management company, would be to provide the reinsurance needed for those clients, both current and prospective, that require or request a fully insured pharmacy carve out program for their group. By doing so, the lives and claim processing would be gained or retained.

PRAM has the ability to partner with you several different ways. As a pharmacy underwriter and consultant organization, we can:

• Develop a PEPM or PMPM for the client and guarantee the rates for 12 months
• Combine current client plans into one standardized carve out program
• Work with the client to redesign the plan to reduce the utilization and cost trend
• Provide the client with several types of funding arrangements for the pharmacy carve out program
• Offer a secure placement of insured pharmacy carve out programs, thus guaranteeing the retention of your current claims processing.
• Provide you the ability to market a pharmacy carve out program to groups currently fully insured at HMOs or governmental agencies
• As your partner, help provide expert pharmacy benefit guidance to the client.

As you can see, many of our goals are the same. PRAM has the experience and staff to help you successfully obtain, manage and retain clients.