PRAM provides Pharmacy Risk Analysis for many of the nation's leading insurance companies and as such, maintains full underwriting authority to provide a host of risk and profit sharing arrangements in insured programs for its clients.

Key Programs Include:

Predictive modeling tools to allow clients and insurance companies the tools necessary to make budgeting decisions about their pharmacy program for the coming year. Clients have the immediate ability to review plan design changes based upon the plans current actual pharmacy claims experience right down to the impact on individual members, if necessary, for a specific plan design.

Technical support includes but is not limited to;

• Full underwritten programs
• Full plan administrative services
• Fronting arrangements
• Fully insured programs for actives and retirees
• Risk and Profit sharing arrangements
• Programs filed and ready to issue in most states
• Products for limited benefit and Mini-Med programs
• Reinsurance, retention, accounting programs and a host of other alternative funding arrangements