FYI PRAM Rx is awesome. If you have a client that has a high deductible plan and they’re really only concerned about prescription coverage, then they can get a fully-insured prescription plan. I’ve sold 8 in the last 30 days and my clients have been thrilled with it. The customer service with PRAM is better than any company I’ve ever dealt with. They are real life human beings that talk to you, answer your questions, and will help you find the right plan that fits your client based on their prescriptions.