PRAM Insurance Services
Prescription Solutions That Sell Themselves
Give your clients affordable, insured prescription coverage with zero-copays, no deductibles, and nationwide access — while you build long-term renewal income.
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Why Agents Love Selling PRAM Prescription Plans
Easy to Sell – Clear value: zero-copay prescriptions, no deductibles, instant nationwide usability.
Mass Market Appeal – Fits nearly every client type: uninsured, underinsured, or looking to save on meds.
Cross-Sell Friendly – Open the door with prescriptions, then layer in health, dental, vision, life, and supplemental plans.
Fast Enrollments – Simple applications and instant approvals.
Client Retention – Affordable monthly premiums = low lapse rates = strong renewals.
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What Makes PRAM Different
PRAM specializes in prescription-first insurance solutions that agents can confidently lead with. Unlike traditional health insurance that leaves gaps, our programs are designed to solve the number one pain point: medication costs.
Two Flagship Programs:
VirtualRx – Insured prescription benefit with a zero-copay formulary, bundled with Bloom Benefits membership perks, telemedicine, and discount programs.
EXCLUSIVERx – A guaranteed-issue, no-deductible prescription plan with zero-copay medications, 70,000+ pharmacy access, and no pre-existing exclusions.
Affordable, Standalone Coverage – Ideal for individuals, families, gig workers, and small businesses.
Nationwide Reach – Accepted at thousands of retail pharmacies across the U.S.
Guaranteed Issue & Simple Enrollment – No underwriting, no medical questions, no waiting periods.
Bundled Extras – Both plans include value-added services like travel, retail, and pet discounts through Bloom Benefits.
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Commissions That Reward Your Effort
Agents selling PRAM’s prescription products enjoy high, level commissions with real renewal power:
Level Commissions – Same payout every year a client keeps the plan.
Strong Persistency – Affordable price point drives long-term retention.
Cross-Sell Opportunities – Boost your income by adding dental, vision, life, and health once you’ve built trust with prescription coverage.
Bonus Potential – Qualify for incentives, performance bonuses, and trips.
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Agent FAQ: What You Need to Know to Sell This Confidently
Who qualifies for PRAM prescription plans?
Everyone. Both VirtualRx and EXCLUSIVERx are guaranteed issue — no health questions, no exclusions.
Do members really pay $0 at the pharmacy?
Yes. The zero-copay formulary is fully covered. Members simply present their card and walk away with their medication.
What pharmacies can clients use?
Over 70,000 nationwide — including CVS, Walgreens, Walmart, Costco, and most regional chains.
How fast can an agent start selling?
Contracting is quick and simple. Most agents are ready to sell within 24–48 hours.
Are these ACA-compliant health plans?
No, these are standalone insured prescription solutions designed to complement or enhance coverage — or serve as affordable primary drug coverage.
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Before you go... Are you prepared?
We’re entering the most disruptive chapter of health insurance since the ACA. This is your window to grow — is your strategy solid? Talk with a success rep today!