PRAM was originally founded in 1989 as an Underwriter and a Registered Administrator with corporate headquarters located in the City of Brea in Orange, California and today has offices in Chicago and throughout the US. PRAM provides Pharmacy Consulting, Underwriting and Employee Benefit services to local, regional and national accounts.

• Pharmacy benefit design support, backed by one of the most sophisticated predictive modeling systems available that ensures clients will know what to expect in terms of trend and enable them to budget accordingly.
• Operations and technical support experienced in managing and administering online pharmacy plans.
• Full Risk and Profit sharing programs for clients seeking fully insured options
• Specialty Pharmacy and Bio Tech programs
• PBM comparison studies to provide clients with information on which PBM really has the lowest net cost.
• PBM Audits

Underwriting Services
The following lists the types of fully insured pharmacy carve-out plans that PRAM underwrites currently:

• Employer Groups
• Seniors - Retirees
• Generic Only Products for Limited Benefit Programs
• Insured Programs sold with Medicare Supplement Programs
• Association Programs
• State and Local Government Programs
• Pure Fronting arrangements

We believe our experience in all aspects of Risk Management Consulting, including the understanding of Pharmacy Risk with the support of Staff Pharmacists will add value in providing strategic planning in a growing complex industry. Our goals are to help our clients understand and manage issues relating to medical and pharmacy claim cost while providing leading edge technology to analyze options that will have a positive impact on rising trends while balancing the needs of appropriate therapy.

PRAM's Underwriting Staff and Pharmacy team brings years of experience in working with many of the nations leading insurance companies, national consultants, pharmacy benefit managers, and employer groups. This experience is passed on to our clients to facilitate the decision making process and provide solutions to complex issues.

Pharmacy Risk Management Consulting, Pharmacy Underwriting, Pharmaceutical Insurance, Pharmacy Benefit Consultants Pharmacy Risk Management Consulting, Pharmacy Underwriting, Pharmaceutical Insurance, Pharmacy Benefit Consultants Pharmacy Risk Management Consulting, Pharmacy Underwriting, Pharmaceutical Insurance, Pharmacy Benefit Consultants 

Caremark Inc. is one of the largest pharmaceutical services companies in the United States and one of the nation's leading prescription benefits managers (PBM. More than 20 million plan participants each year receive over 90 million prescriptions through Caremark, and more than 1,200 plan sponsors-corporations, insurance companies, managed care organizations, government entities, and unions-rely on Caremark to design and fulfill their prescription drug benefit plans.

Caremark is proud to serve the needs of its participants through:

• Prescription benefit services, including local retail pharmacy and home delivery (mail) options
• Specialty pharmacy services, providing pharmaceuticals and other therapeutic services for participants with chronic or genetic disorders
• CarePatterns® disease management programs which provide comprehensive participant care for specific high-cost, complex conditions

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The #1 Pharmacy Job Resource

RXinsider.com is not only the leader in PBM / Managed Care Jobs Postings, but also pharmacist employment opportunities in every other practice setting as well (Nuclear, Long Term Care, Clinical, Retail, Infusion, Staffing, Recruiters, PBM's, Management, Independents, Hospital, Non-Traditional & much more). RXinsider educates pharmacy professionals not only on specific job opportunities, but also on the R.Ph. employers as well as practice settings.

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RXinsider is also the place to advertise your open pharmacist job opportunities. Our programs range from a single "help-wanted" posting to annual programs with unlimited job postings. If your pharmacy is ever short staffed (Pharmacists or Pharmacy Technicians), please follow the link to learn more about our marketing services: Click Here

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Medco is a leading pharmacy benefit manager (PBM) with the nation's largest mail order pharmacy operations. Medco assists its customers to moderate the cost and enhance the quality of prescription drug benefits provided to members nationwide. Ensuring that millions of Americans have access to affordable, high quality prescription healthcare is more than our business - it's our calling. Every day, our employees dedicate themselves to bringing:

• Better Care

• Better Value

• Better Service

And we are a company that never stops trying to do it better.
At Medco, good has never been good enough. We've always been at the forefront of the industry - in knowledge, innovation, technology, and in pioneering new products and services. You can count on us to continue to be a catalyst for positive change because, at Medco, we never stop trying to do it better.

About Advanced Pharmacy Concepts

Advanced Pharmacy Concepts is a pharmacy consulting firm that was established in 1997 by Dr. Kimberly McDonough. A Pharm.D. by training, Kim has over 25 years of experience in the pharmacy industry. With a team of consultants having experience in hospital, managed care and pharmacy benefit management (PBM) settings, Advanced Pharmacy Concepts is focused on helping pharmacy payers get the most out of their pharmacy programs. Whether you are a managed care organization, hospital, employer, Taft-Hartley group or public-sector entity, Advanced Pharmacy Concepts can help you maximize the value of each pharmacy dollar.

Our services are specialized and focused on the direct needs our customers. We assess each client's needs as we initiate services and we serve as an advocate for our client. Because we work across the healthcare industry, we are in the unique position of knowing pharmacy-specific issues that our clients would otherwise overlook.

Take a brief look at a sample of our services below:

Physician Practice Management programs

Advanced Pharmacy Concepts offers programs to assist our physicians groups in their successful management of pharmacy risk arrangements. Our clinical programs focus on promoting the quality of care that patients receive while promoting profitability of the practice group. Over half of our staff are pharmacists, all of whom have, or will soon receive, an advanced degree (Pharm.D. or Masters). We take high quality patient care very seriously!

Managed Care Consulting Services

The staff of Advanced Pharmacy Concepts has a tremendous wealth of experience and expertise in the managed care field. We provide a wide array of services including drug information reviews, formulary preparation, benefit design, and P & T support. We also provide services to assist health plans in assessing the performance of their PBM, assuring that the pharmacy benefit is accurately administered and costs to the health plan are minimized. We can identify the hidden costs within your pharmacy program!

Quality Assurance Programs
Quality will be the focus on healthcare during the next decade and Advanced Pharmacy Concepts has programs to both measure and improve the quality of health care services. Our services include credentialing programs, HEDIS or other customized reporting, and satisfaction surveys. Our staff is Juran Institute trained and is knowledgeable in health care quality measures that are used by regulatory and accrediting agencies.

Pharmacy Network Services

Advanced Pharmacy Concepts provides services that allow pharmacies to implement financially successful pharmaceutical care programs. Whether your need is assistance in billing for non-dispensing services, credentialing of the programs that you currently offer, or expertise to establish a new program, Advanced Pharmacy Concepts can provide you with the solutions.

Medical Information Services

Whether you need simple answers regarding a new medication or comprehensive analysis of treatment options, Advanced Pharmacy Concepts can provide you with the information that you desire. We provide drug reviews, generate P & T monographs, research treatment guidelines, and generate comprehensive literature analysis for use in future research.