The PRM Group Health Trust is a purchasing cooperative of governmental agencies founded in 1988 for the purpose of banding together to obtain the most competitive coverage for employee health insurance.

The medical program provided through the Public Risk Management of Florida Group Health Trust is a self-funded plan using the Blue Cross Blue Shield of Florida network, administered by Blue Cross Blue Shield of Florida and reinsured by Lincoln National Health & Casualty Insurance Company. At the close of each fiscal year, an actuarial report is submitted to the State of Florida pursuant to Florida Statute 112.08, and each year the State has certified the Plan to be actuarially sound and fully reserved. An Employee Assistance Program (EAP) is added to the health plan effective October 1, 2003 and administered through UniPsych. The PRM Health Plan offers a package of ancillary benefits with AFLAC (American Family Life Assurance Company of Columbus) through payroll deduction.

Administration/claims services, network access and excess reinsurance are negotiated by the PRM Health Plan on behalf of its members. This allows the Plan to utilize a larger purchasing group and obtain more competitive rates than could be purchased individually.

All contracts and funding levels are based on an October 1st through September 30th plan year. Medical coverage is required for participation in the PRM Health Plan. Other coverages offered as part of the PRM Health plan to its' entities are dental, life, AD&D and Dependent Life insurance. These are offered for the convenience of the membership and are not required for participation.

A choice of three medical plans is offered: A High Option PPO, a Low Option PPO, and an HMO. Participating entities may select whichever plan, or combination of plans, that best suit their needs. Plans and designs can be found on the following pages.

As PRM members are first and foremost individual entities, all personnel parameters, i.e.; employee eligibility for participation in the Plan, are decided by the individual entity. This allows the entities to keep their personnel practices in place.

The PRM Health Plan is governed by a Board of Directors which meets quarterly to review plan operation, financials, legislative issues and any other pertinent information. Each participating entity delegates its' own Board Member and Alternate and each entity receives one vote. Each member has input regarding the plan, future enhancements, funding levels, etc.