PRAM’s shelf products are fully vetted and ready to market. They don’t require underwriting or consulting, thus saving the client time and money. The most beneficial element to these plans is that they are also guaranteed issue.

These plans are perfectly paired with limited medical, short term medical, and GAP plans. They are also great for employers, associations, and members looking for great value coupled with affordable rates.

SAMPLE SHELF PLANS

Contact us for a complete list off-the-shelf products and rates.

  • ANNUAL DEDUCTIBLE

    $0

    $50 Per Member

    $50 Per Member

  • RETAIL CO-PAY

     

     

     

  • GENERICS

    $10

    $10

    $10

  • FORMULARY BRANDS

    N/A

    $35 or 50%, (Whicher is greater)

    $35 or 50%, (Whicher is greater)

  • NON-FORMULARY

    N/A

    N/A

    N/A

  • MAIL ORDER CO-PAY

     

     

     

  • GENERICS

    $30

    $30

    $30

  • FORMULARY BRANDS

    N/A

    $150 or 50%, (Whicher is greater)

    $105 or 50%, (Whicher is greater)

  • NON-FORMULARY

    N/A

    N/A

    N/A

  • MONTHLY MAXIMUM

    $300 Per Member

    $300 Per Member

    $300 Per Member

RELATED INFORMATION & NEWS

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    CUSTOM BENEFIT CONSULTING

    PRAM provides expert level benefit & compliance consultants who will meet with you and explore your options.

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