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
(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
(952) 908-2685
Dave has worked as an Employee Benefits Consultant for over seven years and has over twenty years of consulting experience within the financial services industry.
Angela M. Lendway
Account Manager
(952) 908-2686
Since joining RAM Benefits about 6 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
(952) 908-2695
Ms. Spalding has over 16 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
(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.
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.
Employee Communication
Ensure your employees understand and appreciate the total compensation package.
Population Health & Wellness
Analyze population health trends to help companies make an impact on employer cost and health.
Our Blog
Insight and News
Your HSA: A Beginner’s Guide
New to a Health Savings Account (HSA)? Here’s What You Need to Know As the name suggests, a Health Savings Account(HSA) is a special savings account used to pay for healthcare-related expenses. An HSA has potential financial benefits for now and later. Not only can you save pre-tax dollars in this account to pay for qualified […]
Read more about “Your HSA: A Beginner’s Guide”
Top Employee Benefit Trends for 2025
Employee benefits are the indirect and non-cash compensation paid to an employee. These benefits are given to employees over their salaries and wages. As we look ahead to 2025, companies are increasingly exploring innovative solutions to address the evolving needs of their workforce. Driven by shifts in work environments, economic challenges, and technological progress, the […]
Read more about “Top Employee Benefit Trends for 2025”
Reducing Rising Healthcare Costs in 2025
Healthcare costs are projected to rise significantly in 2025. To mitigate these increases, consider these tips: Know Your Plan: Take time to review what your health plan covers—and what it doesn’t—to avoid unexpected costs. Understand your health plan’s coverage, including deductibles, co-pays, and out-of-pocket maximums. Utilize In-Network Providers: Receiving care from out-of-network providers can dramatically […]
Read more about “Reducing Rising Healthcare Costs in 2025”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.
