Transcend Employee Benefits

About

RAM Benefits

Since 1979, RAM Benefits has worked with employers to build and maintain the best Employee Benefits plans for your company and the employees to meet their goals and objectives. RAM stands for Risk Analysis and Management (RAM), and our purpose is to create value.

Our client relationships fund and fuel our mission to assist in protecting and maximizing assets, resources and opportunities. As the insurance industry evolves and technology advances, our firm’s business strategy remains the same:

RAM Benefits is committed to helping our clients feel secure and supported in their aspirations for the future.

Team

Scott S. Haskins

President

scott@rambenefits.com

(952) 908-2690

Mr. Haskins has over 28 years of Employee Benefits Consulting, Business Insurance Consulting, Risk Management and Loss-Control Experience.

David Liske

Vice President

dave@rambenefits.com

(952) 908-2685

Dave has worked as an Employee Benefits Consultant for over nine years and has over twenty years of consulting experience within the financial services industry.

Angela M. Lendway

Account Manager

angela@rambenefits.com

(952) 908-2686

Since joining RAM Benefits about 8 years ago as an account manager and a licensed insurance agent (life and health lines) Angela has built loyal lasting relationships with our medium and large business customers.

Kristie Spalding

Account Manager

kristie@rambenefits.com

(952) 908-2695

Ms. Spalding has over 18 years of experience in the insurance industry and is a licensed insurance agent. She works with small, medium and large clients to implement and administer their employee benefit programs.

Tricia Schultz

Account Manager

tricia@rambenefits.com

(952) 908-2688

Ms. Schultz joined RAM Benefits March of 2020, is a licensed insurance agent and has over 15 years of experience in the insurance industry.

Nancy Stone

Account Manager

nancy@rambenefits.com

800.344.4275 (toll free)

With 30+ years in the insurance industry, Nancy joined RAM Benefits in April of 2025 in a part time position, bringing her knowledge and experience to support the staff and clients.

Christa Haskins

Administrative Coordinator

christa@rambenefits.com

800.344.4275 (toll free)

Christa joined RAM Benefits in September of 2023 in a part time position, bringing her enthusiasm and positive energy to support the staff and clients.

Our Services

Our Purpose is to Create Value

Our client relationships fund and fuel our mission to assist in protecting and maximizing assets, resources and opportunities. As the insurance industry evolves and technology advances, our firm’s business strategy remains the same: RAM Benefits is committed to helping our clients feel secure and supported in their aspirations for the future.

Strategy & Program Design

Health plans designed based on data.

Health Plan Data Analytics

Proactively identify risks.

Financial Underwriting

Identify plan performance to make financial changes.

Pharmacy & PBM Analysis

Our expertise saves clients millions of dollars annually.

Employee Communication

Ensure your employees understand and appreciate the total compensation package.

Vendor Management

Our relationships with carriers allows us to negotiate through buying power.

Compliance

Timely updates, insights, and reminders.

Benefits Admin Technology

An extension of your HR through onboarding, OE, and beyond.

Population Health & Wellness

Analyze population health trends to help companies make an impact on employer cost and health.

Strategy & Program Design

Health plans designed based on data.

Health Plan Data Analytics

Proactively identify risks.

Financial Underwriting

Identify plan performance to make financial changes.

Pharmacy & PBM Analysis

Our expertise saves clients millions of dollars annually.

Employee Communication

Ensure your employees understand and appreciate the total compensation package.

Vendor Management

Our relationships with carriers allows us to negotiate through buying power.

Compliance

Timely updates, insights, and reminders.

Benefits Admin Technology

An extension of your HR through onboarding, OE, and beyond.

Population Health & Wellness

Analyze population health trends to help companies make an impact on employer cost and health.

Our Blog

Insight and News

Compliance Recap | July 2025 Thumbnail

Compliance Recap | July 2025

THE ONE BIG BEAUTIFUL BILL ACT IMPACT ON EMPLOYEE BENEFITS The One Big Beautiful Bill Act of 2025 (OBBBA) introduces permanent changes to a range of employee benefits, creating a more stable and generous framework for employers and employees. HDHPs and HSAs Telehealth Services: High-deductible health plans (HDHPs) can now permanently cover telehealth before deductibles […]

Read more about “Compliance Recap | July 2025”
Navigating Your Health Plan: A Guide to Your Explanation of Benefits (EOB) Thumbnail

Navigating Your Health Plan: A Guide to Your Explanation of Benefits (EOB)

Ever found a confusing document in your mailbox after a doctor’s visit, wondering if it’s a bill, especially with an “amount you owe” at the bottom? You’re not alone! That document is most likely an Explanation of Benefits (EOB) from your health insurance company. It’s crucial to remember: an EOB is NOT a bill. Think […]

Read more about “Navigating Your Health Plan: A Guide to Your Explanation of Benefits (EOB)”
The Truth About FSAs: Facts, Myths, and Tips Thumbnail

The Truth About FSAs: Facts, Myths, and Tips

Flexible Spending Accounts (FSAs) offer unique advantages for managing health and dependent care expenses, but they operate differently from standard savings or spending accounts. Below are five essential facts about FSAs, along with common myths and clarifications to help you make the most of this benefit. Key FSA Facts: Tax Advantages: A major perk of […]

Read more about “The Truth About FSAs: Facts, Myths, and Tips”

Our Contact

Get In Touch

At RAM Benefits, we love what we do! Choosing RAM Benefits as your insurance partner results in better service at a lower cost. Contact us today to learn more about how we can help your company succeed.