PRAM is a leader in working with employers in providing risk management solutions to complex risk and benefit management issues. Defining a companies needs in today's environment many times requires the integration of sophisticated options based upon ever changing corporate objectives. PRAM's solution based consulting services are designed to streamline the decision making process at the local or national level. Through an analysis we can begin to gain an understanding of the companies' objectives and tolerance for risk. We believe that in working together we can implement strategies that will provide valuable programs and limit risk, while meeting the needs of the company to provide equitable employee solutions through the structuring of various risk arrangements.

Risk management services are provided in a number of areas.

Pharmacy Benefits, including but not limited to: RFP Support, PBM audit, contracting, technical support, plan design, predictive modeling, self insured and insured funding arrangements including fronting and reinsurance, full plan administration services, customer service, ad hoc reporting and direct access to our pharmacy staff for ongoing plan management services.

Medical Benefits, Including but not limited to: RFP support, plan design for both self funded as well as insured medical programs, network, third party administration, stop loss coverage's, onsite staffing including implementation through our WEB based full service Human Resource Information Management System (HRIMS).

Structured Risk Arrangements for, but not limited to, locating fronting and issuing carriers and reinsurers for special projects. This can be provided for any number of opportunities, ranging from underwriting new medical plans including, Prescription, Dental, Vision, Limited Benefit Medical plans or providing a Trust arrangement to provide medical benefits for an Association. Other specific areas may include eliminating an LOC requirement on a workers compensation program.