Products/Partners Info & Quotes

Fully Insured Outpatient, PBM Carve-out Plans

PRAM Insurance Services, Inc. was founded in July 1989. While PRAM began as a Life-Health / P&C agency, it soon found its niche and evolved into the only nationally licensed Third-Party Administrator ("TPA") dedicated exclusively to bringing its prescription drug benefit programs to the marketplace.

With over 30 years of experience in the pharmacy benefits industry, PRAM is uniquely qualified to operate as a leading national underwriter of pharmacy risk arrangements. PRAM functions as a Managing General Underwriter ("MGU") and TPA. PRAM also offers a host of other services including self-funded pharmacy benefits, specialty medication advocacy and savings programs, zero dollar formulary copay programs, telehealth, cannabis discounts, opioid clinical management, PGx personalized medicine testing, prescription discount cards, and more.

PRAM serves brokers, consultants, and employers by taking the ambiguity out of your pharmacy spend and guaranteeing your promised savings through a fully insured rate. We cover all group sizes and SIC codes. We excel at underwriting the employer's outpatient drug spend for groups currently self-funded or providing a pharmacy benefit for groups that do not have traditional medical.

With over 30 years of experience in the pharmacy benefits industry and more than 100 years of combined insurance industry experience, PRAM is uniquely qualified to consult on and underwrite pharmacy risk programs from financial, structural, and management perspectives, ensuring that the integrity of the client and member is maintained, all while providing best in class customer service with a strong focus on member satisfaction no matter the group size or structure.

Employer Stop Loss Insurance

Founded in 2010. The Xchange Benefits is a diverse group of business units focused on the global insurance and reinsurance industry.

Led by a team who have industry leading experience, Xchange Benefits, underwrites, consults, creates products, creates retail distribution, structures risk. transacts reinsurance, advises on capital deployment and most importantly, listens to our clients.

Xchange Benefits delivers risk mitigation, budget stability and a peace of mind for employer groups.

Today's benefits’ environment is an ever changing one. Plans change, costs fluctuate, and the legislative landscape is uneven. With over 100 years of underwriting experience, Xchange Benefits delivers risk mitigation. budget stability and a peace of mind for employer groups. Today. these services are essential to maximizing, business strategy. attracting new talent, and delivering on promises to existing employees and members. Xchange Benefits brings these solutions to commercial groups as well as specializing in particular market segments that are not often understood by our competitors.

Our value proposition is a simple: unrivalled service and intelligent creative underwriting.

Supplemental Medical and Accident Insurance

Optimed is a nationally recognized TPA providing a variety of health care solutions. We specialize in supplemental coverages, e.g., GAP coverage which fills in the deductible portion of a major medical plan. GAP can be offered to 99%of all SIC codes down to 10lives with an employer contribution ranging from 0 to 100 percent. Additionally, if your employer is looking for Accident only GAP coverage, we have a solution for you. Our plans are flexible and can meet your employers' and employees' unique demands. Contact us today so we can design a GAP solution that reduces your employer costs while increasing the major medical health plan value to employees.

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