The Empire Plan is a unique health insurance plan designed especially for public employees in New York State. Empire Plan benefits include inpatient and outpatient hospital coverage, medical/surgical coverage, Centers of Excellence for transplants, infertility and cancer, home care services, equipment and supplies, mental health and substance abuse coverage and prescription drug coverage.
COMMISSIONER
DEPARTMENT OF CIVIL SERVICE
ALBANY, NEW YORK 12239
www.cs.ny.gov
EXECUTIVE
DEPUTY COMISSIONER
PA99-11
TO: Participating Agency Health Benefits Administrators
FROM: The Employee Benefits Division
SUBJECT: Empire Plan Quarterly Experience Report
DATE: September 20, 1999
Enclosed are the Second Quarter Empire Plan Experience Report for 1999 and the cover letter to Chief Executive Officers.
This report provides projected 1999 experience and projected premium rates for the year 2000.
September 20, 1999
Dear Chief Executive Officer:
Attached is the Participating Agency Second Quarter Report for 1999. This report provides projected 1999 Empire Plan experience based on claims paid through June, 1999 and projected 2000 premium rates.
The Empire Plan carriers project a combined surplus of $2.2 million or 0.1% of premium. The report includes details for each of the carriers and, as in the past, these projections will be revised in the next quarterly report based on actual claims experience for 1999.
The 2000 premium projections are included in Exhibit II. These projections reflect increases of approximately 12.0% in the gross rates and 17.2% in the net rates. The report explains the basis for these initial projections and future reports will include revisions based on actual claims data available.
The Keeping You Informed Section of the report includes an update on NYBEAS, the New York Benefits Eligibility and Accounting System, which will be implemented for Participating Agencies by Fall 1999. The information on transmission of reports via E-mail is also included. If you are interested in using this technology to receive future reports, please complete and return the form on Attachment 1.
According to a national survey, the ten most heavily advertised drugs accounted for 22% of the total increase in drug spending over the last five years. In NYSHIP's Empire Plan, 20% of the increase in drug spending between 1997 and 1998 was from nine of the top ten most heavily advertised drugs. The Keeping You Informed Section provides additional details on this drug spending analysis.
I hope this report is informative and useful to you. If you have any questions, comments or suggestions, please don't hesitate to contact me.
Sincerely,
Robert W. DuBois, CEBS
Director
Employee Benefits Division
PARTICIPATING AGENCIES
EMPIRE PLAN
1999 Second Quarter
Experience Report
Prepared by The State of New York
Department of Civil Service
EMPIRE PLAN EXPERIENCE REPORT
APRIL - JUNE 1999
Produced for
PARTICIPATING AGENCIES IN THE
NEW YORK STATE
HEALTH INSURANCE PROGRAM
by
the Employee Benefits Division
New York State Department of Civil Service
George C. Sinnott
President, New York State Civil Service Commission
Projected 1999 Empire Plan Experience
Attachment 1 - Transmission of Reports Electronically
Exhibits
I 1999 Projected Empire Plan Experience
II Empire Plan PA Projected Premium Rates
III Empire Plan PA Group Rates (1985-2000)
IV Empire Plan PA 5 Tier Group Rates (1995-2000)
NYS HEALTH INSURANCE PROGRAM
PARTICIPATING AGENCY GROUP
EMPIRE PLAN EXPERIENCE REPORT
2ND QUARTER REPORT
PROJECTED 1999 EMPIRE PLAN EXPERIENCE
Based on claims paid through June 30, 1999, the Empire Plan carriers project a composite dividend of $2.2 million (0.1% of premium), or $34.5 million less than the margin loaded in the 1999 rates. The 1999 annual experience projected by the insurance carriers is reported in Exhibit I with individual carrier projections explained as follows:
Blue Cross
Blue Cross projects a 1999 gain of $26.9 million (4.2% of premium). This is $11.4 million more than the margin loaded in the 1999 rates and is primarily attributable to a lower 1998 claims base than was used in the 1999 rate development.
United Healthcare Medical
United HealthCare projects a composite 1999 dividend of $8.7 million (1.0% of premium) representing an $11.0 million decrease over the margin loaded in the 1999 rates. There are no material variances in the quarterly estimates and those made at renewal.
Group Health Incorporated Mental Health and Substance Abuse Program
Group Health Incorporated projects a 1999 surplifis of$1.3 million (2.0% of premium) for the Mental Health and Substance Abuse (MHSA) Program, or $278,000 less than the margin loaded in the 1999 rates. There are no material variances in the quarterly estimates and those made at renewal.
Cigna
A 1999 loss of $34.7 million representing 8.1% of premium is projected by Cigna. This loss is primarily attributable to an increase in prescription drug trends over the last two years from 15% to approximately 20%.
PROJECTED 2000 PREMIUM RATES
Exhibit II presents the projected 2000 Empire Plan gross and net premium assuming the application of $69.5 million in dividend to all payors. The Empire Plan gross premium is projected to increase approximately 12.0% with anet premium increase of 17.2%. The higher rate increase of net premium in relation to the increase in the gross premium reflects the decreased level of available dividend to be applied in 2000 as compared to 1999. While final rates will not be established until later this year, we expect that they will be within the range presented in Exhibit II.
For comparison purposes. Exhibit III presents the individual and family rate history for the Core Plus Medical and Psychiatric Enhancements option based on the Two Tier Empire Plan rate structure in effect prior to January 1, 1996, while Exhibit IV presents the five tier history from 1996 to 2000.
KEEPING YOU INFORMED
NYBEAS (New York Benefits Eligibility and Accounting System)
The Employee Benefits Division is in the process of converting the NYSHIP eligibility and accounting systems into one system called NYBEAS which will be implemented for Participating Agencies by Fall of 1999. Please note that the cut-off date for processing transactions through the current enrollment system is October 25, 1999. The start-up date for processing transactions through NYBEAS is November 15, 1999. During this three week period, it will not be possible to process any transactions.
Training sessions have been scheduled beginning September 27, 1999, for agencies that submit more than 100 transactions per year and for smaller agencies that are equipped and interested in using NYBEAS. Agencies not equipped to use NYBEAS will submit paper transactions to the Employee Benefits Division.
We will keep you informed of our progess in implementing NYBEAS.
Transmission of Reports Electronically
The Employee Benefits Division has the capability to transmit the Participating Agency Quarterly Experience Report via E-mail. Using a software product called Adobe Acrobat Readera??, the PA Quarterly Report is converted into portable document format (PDF). This is a format that can be read by any recipient, if they have Adobe Acrobat Readera?? installed on their system. Adobe Acrobat Readera?? is available free from the Internet. For your reference, Attachment 2 includes the instructions on how to obtain Adobe Acrobat Readera??. There are many advantages to receiving the reports electronically including: reports will be received sooner; there will be less paper to handle; and the reports can be stored electronically and/or a hard copy may be printed.
If you would like to receive the report electronically, please provide your E-mail address by completing the bottom section of Attachment 1 and returning it to the Employee Benefits Division.
Impact of Advertising on the Empire Plan's Prescription Drug Program
An analysis of the Empire Plan's Prescription Drug Program spending between 1997 and 1998 shows an increase of $43.3 million. Of this increase, $8.5 million (or 20%) was for nine of the top ten most heavily advertised "Direct to Consumers" medications. These include Claritin, Zyrtec, Allegra, Pravachol, Zocor, Prilosec, Prozac, Zyban and Evista. The tenth medication is Propecia which is not covered under the Empire Plan since it is used for cosmetic purposes.
Two other highly advertised drugs, Lipitor and Viagra, account for a significant portion of Empire Plan drug spending. Lipitor moved from 13th in 1997 to 2nd in 1998 in terms oftotal drug a costs for the Plan. Although Viagra was introduced in June 1998, it still accounted for 4% of the total increase in drug spending.
Combining the top nine medications noted above with Lipitor and Viagra, the total drug ^ spending increase for the Empire Plan was $17.8 million which represents 41%of the total increase for 1998. If other heavily advertised drugs, such as Lamisil, were included in the analysis, the percentage would be even higher.
Since "Direct to Consumers" advertising has almost doubled over the last two years, it is anticipated that the increases in drug spending attributable to this advertising will continue at a high level.
NYSHIP Representation at Municipal Events
NYSHIP's Empire Plan was represented at the 1999 Fall Seminar sponsored by the NYS Association of Counties on September 13-15, 1999, in Lake Placid and the 1999 Fall Training School co-sponsored by the NYS Conference of Mayors and Office of the State Comptroller on September 13-17, 1999, in Ellenville.
Name and Address Changes
Please be sure to notify the Employee Benefits Division of any changes so that we may keep our mailing lists up-to-date. This updated information may be sent to:
Mr. Stephen Kavanaugh
Assistant Director
Employee Benefits Division
NYS Department of Civil Service
State Office Building Campus
Building #1, Rm. 159
Albany, New York 12239
TRANSMISSION OF REPORTS ELECTRONICALLY
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If you would like to receive the report electronically, please complete this form and return it to:
Mr. Stephen Kavanaugh
Assistant Director
Employee Benefits Division
NYS Department of Civil Service
State Office Campus, Building #1
Albany, New York 12239
Agency Code:
Agency Name:
Contact Person:
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1999 PROJECTED EMPIRE PLAN EXPERIENCE
In (000's)
| BLUE CROSS | UNITED HEALTHCARE MEDICAL Core | UNITED HEALTHCARE MEDICAL NY Enhancement | UNITED HEALTHCARE MEDICAL PA Enhancement | UNITED HEALTHCARE MEDICAL Combined | GHI MHSA Core | GHI MHSA NY Enhancement | GHI MHSA PA Enhancement | GHI MHSA Combined | CIGNA | TOTAL | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Premium (1) | 641,992 | 693,304 | 88,719 | 74,464 | 856,487 | 54,319 | 6,226 | 5,038 | 65,583 | 428,238 | 1,992.300 |
| Incurred Claims (2) | 581,035 | 606,093 | 84,265 | 60,978 | 751,336 | 43,276 | 4,887 | 4,014 | 52,177 | 450,375 | L834.923 |
| Administrative Expense (3) | 34,056 | 78,781 | 10,028 | 7,649 | 96,458 | 10,015 | 1,148 | 928 | 12,091 | 12,557 | 155,162 |
| Gain/(Loss) (A-B-C) | 26,901 | 8,430 | (5,574) | 5,837 | 8,693 | 1,028 | 191 | 96 | 1,315 | (34,694) | 2,215 |
(1) Earned Premium - Premium which pays for coverage for the period reported (accrual basis).
(2) Incurred Claims - Represents the cost of covered services provided during the period reported by the insurance company (accrual basis).
(3) Administrative Expenses - All charges by the insurance carrier other than for the payment of claims.
Includes carrier's cost to administer the program, interest charges, and other retention.
Source: 1999 2nd Quarter Report
EMPIRE PLAN
Participating Agency Premium Rates
Comparison of 1999 and Projected 2000 Rates
CORE ONLY
| Plan Prime: | Monthly Gross Premium Rates (1) | Monthly Gross Premium Rates (1) | Monthly Gross Premium Rates (1) | Monthly Net Premium Rates (2) | Monthly Net Premium Rates (2) | Monthly Net Premium Rates (2) |
|---|---|---|---|---|---|---|
Individual Optimistic | 247.05 | 267.45 | 8.3% | 233.20 | 261.67 | 12.2% |
| Individual Best Estimate | 247.05 | 275.13 | 11.4% | 233.20 | 269.35 | 15.5% |
Individual Pessimistic | 247.05 | 283.56 | 14.8% | 233.20 | 277.78 | 19.1% |
| Family - Optimistic | 247.05 | 548.88 | 8.2% | 476.31 | 537.04 | 12.8% |
| Family - Best Estimate | 247.05 | 564.80 | 11.3% | 476.31 | 552.96 | 16.1% |
Family - Pessimistic | 247.05 | 582.29 | 14.8% | 476.31 | 570.45 | 19.8% |
| MediPrime: | Monthly Gross Premium Rates (1) | Monthly Gross Premium Rates (1) | Monthly Gross Premium Rates (1) | Monthly Net Premium Rates (2) | Monthly Net Premium Rates (2) | Monthly Net Premium Rates (2) |
|---|---|---|---|---|---|---|
Individual Optimistic | 178.22 | 209.70 | 17.7% | 169.33 | 206.33 | 21.9% |
| Individual Best Estimate | 178.22 | 212.99 | 19.5% | 169.33 | 209.62 | 23.8% |
Individual Pessimistic | 178.22 | 216.82 | 21.7% | 169.33 | 213.45 | 26.1% |
| Family 1 - Optimistic | 439.33 | 491.92 | 12.0% | 413.18 | 482.47 | 16.8% |
| Family 1 - Best Estimate | 439.33 | 503.46 | 14.6% | 413.18 | 494.01 | 19.6% |
Family 1 - Pessimistic | 439.33 | 516.35 | 17.5% | 413.18 | 506.90 | 22.7% |
| Family 2 - Optimistic | 369.71 | 433.30 | 17.2% | 348.51 | 426.24 | 22.3% |
| Family 2 - Best Estimate | 369.71 | 440.48 | 19.1% | 348.51 | 433.42 | 24.4% |
Family 2 - Pessimistic | 369.71 | 448.74 | 21.4% | 348.51 | 441.68 | 26.7% |
EMPIRE PLAN
Participating Agency Premium Rates
Comparison of 1999 and Projected 2000 Rates
CORE PLUS MEDICAL ENHANCEMENT
| Plan Prime: | Monthly Gross Premium Rates (1) | Monthly Gross Premium Rates (1) | Monthly Gross Premium Rates (1) | Monthly Net Premium Rates (2) | Monthly Net Premium Rates (2) | Monthly Net Premium Rates (2) |
|---|---|---|---|---|---|---|
Individual Optimistic | 277.67 | 298.03 | 7.3% | 260.48 | 289.41 | 11.1% |
| Individual Best Estimate | 277.67 | 307.32 | 10.7% | 260.48 | 298.70 | 14.7% |
Individual Pessimistic | 277.67 | 317.36 | 14.3% | 260.48 | 308.74 | 18.5% |
| Family - Optimistic | 568.84 | 610.22 | 7.3% | 530.54 | 592.71 | 11.7% |
| Family - Best Estimate | 568.84 | 629.37 | 10.6% | 530.54 | 611.86 | 15.3% |
Family - Pessimistic | 568.84 | 650.09 | 14.3% | 530.54 | 632.58 | 19.2% |
| MediPrime: | Monthly Gross Premium Rates (1) | Monthly Gross Premium Rates (1) | Monthly Gross Premium Rates (1) | Monthly Net Premium Rates (2) | Monthly Net Premium Rates (2) | Monthly Net Premium Rates (2) |
|---|---|---|---|---|---|---|
Individual Optimistic | 186.36 | 217.83 | 16.9% | 175.61 | 213.85 | 21.8% |
| Individual Best Estimate | 186.36 | 221.54 | 18.9% | 175.61 | 217.56 | 23.9% |
Individual Pessimistic | 186.36 | 225.80 | 21.2% | 175.61 | 221.82 | 26.3% |
| Family 1 - Optimistic | 478.26 | 530.80 | 11.0% | 446.33 | 517.91 | 16.0% |
| Family 1 - Best Estimate | 478.26 | 544.39 | 13.8% | 446.33 | 531.50 | 19.1% |
Family 1 - Pessimistic | 478.26 | 559.32 | 16.9% | 446.33 | 546.43 | 22.4% |
| Family 2 - Optimistic | 386.15 | 449.72 | 16.5% | 360.73 | 441.47 | 22.4% |
| Family 2 - Best Estimate | 386.15 | 457.77 | 18.5% | 360.73 | 449.52 | 24.6% |
Family 2 - Pessimistic | 386.15 | 466.89 | 20.9% | 360.73 | 458.64 | 27.1% |
EMPIRE PLAN
Participating Agency Premium Rates
Comparison of 1999 and Projected 2000 Rates
CORE PLUS MEDICAL & PSYCHIATRIC ENHANCEMENTS
| Plan Prime: | Monthly Gross Premium Rates (1) | Monthly Gross Premium Rates (1) | Monthly Gross Premium Rates (1) | Monthly Net Premium Rates (2) | Monthly Net Premium Rates (2) | Monthly Net Premium Rates (2) |
|---|---|---|---|---|---|---|
Individual Optimistic | 279.56 | 299.88 | 7.3% | 261.18 | 290.88 | 11.4% |
| Individual Best Estimate | 279.56 | 309.17 | 10.6% | 261.18 | 300.17 | 14.9% |
Individual Pessimistic | 279.56 | 319.41 | 14.3% | 261.18 | 310.41 | 18.8% |
| Family - Optimistic | 573.33 | 614.60 | 7.2% | 531.89 | 596.23 | 12.1% |
| Family - Best Estimate | 573.33 | 633.76 | 10.5% | 531.89 | 615.39 | 15.7% |
Family - Pessimistic | 573.33 | 654.94 | 14.2% | 531.89 | 636.57 | 19.7% |
| MediPrime: | Monthly Gross Premium Rates (1) | Monthly Gross Premium Rates (1) | Monthly Gross Premium Rates (1) | Monthly Net Premium Rates (2) | Monthly Net Premium Rates (2) | Monthly Net Premium Rates (2) |
|---|---|---|---|---|---|---|
Individual Optimistic | 186.46 | 217.93 | 16.9% | 175.61 | 213.94 | 21.8% |
| Individual Best Estimate | 186.46 | 221.64 | 18.9% | 175.61 | 217.65 | 23.9% |
Individual Pessimistic | 186.46 | 225.91 | 21.2% | 175.61 | 221.92 | 26.4% |
| Family 1 - Optimistic | 480.95 | 533.43 | 10.9% | 447.05 | 520.04 | 16.3% |
| Family 1 - Best Estimate | 480.95 | 547.02 | 13.7% | 447.05 | 533.63 | 19.4% |
Family 1 - Pessimistic | 480.95 | 562.23 | 16.9% | 447.05 | 548.84 | 22.8% |
| Family 2 - Optimistic | 387.05 | 450.59 | 16.4% | 360.66 | 442.19 | 22.6% |
| Family 2 - Best Estimate | 387.05 | 458.65 | 18.5% | 360.66 | 450.25 | 24.8% |
Family 2 - Pessimistic | 387.05 | 467.86 | 20.9% | 360.66 | 459.46 | 27.4% |
EMPIRE PLAN
PA 2 TIER GROUP RATES
2003-2012 Monthly Rates
(For Illustrative Purposes Only)
Core plus Med & Psych. Enh.
Individual
| Year | Gross Rate (1) | % Change | Net Rate (2) | % Change |
|---|---|---|---|---|
| 1985* | 95.71 | 92.85 | ||
| 1986 | 91.97 | -3.9% | 91.49 | -1.5% |
| 1987 | 103.14 | 12.1% | 101.65 | 11.1% |
| 1988 (1) | 142.01 | 37.7% | 141.52 | 39.2% |
| 1989 | 168.72 | 18.8% | 168.05 | 18.7% |
| 1990 (2) | 179.50 | 6.4% | 167.09 | -0.6% |
| 1991 (3) | 202.09 | 12.6% | 185.09 | 10.8% |
| 1992 | 198.85 | -1.6% | 181.81 | -1.8% |
| 1993 | 214.30 | 7.8% | 194.64 | 7.1% |
| 1994 | 213.83 | -0.2% | 197.39 | 1.4% |
| 1995 | 214.70 | 0.4% | 193.54 | -2.0% |
| 1996 (4) | 219.20 | 2.1% | 192.27 | -0.7% |
| 1997 | 219.87 | 0.3% | 198.37 | 3.2% |
| 1998 | 227.35 | 3.4% | 204.38 | 3.0% |
| 1999 | 239.24 | 5.2% | 222.00 | 8.6% |
| 2000 projected | 268.57 | 12.3% | 261.40 | 17.7% |
Average Percent Increase
| Gross Rate % Change | Net Rate % Change | |
|---|---|---|
| From Inception | 7.6% | 7.6% |
| Most Recent 10 Years | 4.2% | 4.7% |
| Most Recent 5 Years | 4.7% | 6.4% |
Family
| Year | Gross Rate (1) | % Change | Net Rate (2) | % Change |
|---|---|---|---|---|
| 1985 | 203.97 | 197.57 | ||
| 1986 | 195.31 | -4.2% | 194.30 | -1.7% |
| 1987 | 222.39 | 13.9% | 219.20 | 12.8% |
| 1988 (1) | 324.13 | 45.7% | 323.06 | 47.4% |
| 1989 | 383.42 | 18.3% | 381.95 | 18.2% |
| 1990 (2) | 403.75 | 5.3% | 380.15 | -0.5% |
| 1991 (3) | 464.39 | 15.0% | 417.36 | 9.8% |
| 1992 | 445.64 | -4.0% | 407.76 | -2.3% |
| 1993 | 479.37 | 7.6% | 426.35 | 4.6% |
| 1994 | 484.69 | 1.1% | 446.94 | 4.8% |
| 1995 | 486.99 | 0.5% | 440.35 | -1.5% |
| 1996 (4) | 491.07 | 0.8% | 428.27 | -2.7% |
| 1997 | 495.81 | 1.0% | 447.22 | 4.4% |
| 1998 | 514.28 | 3.7% | 463.62 | 3.7% |
| 1999 | 539.14 | 4.8% | 499.75 | 7.8% |
| 2000 projected | 602.91 | 11.8% | 586.58 | 17.4% |
Average Percent Increase
| Gross Rate % Change | Net Rate % Change | |
|---|---|---|
| From Inception | 8.1% | 8.1% |
| Most Recent 10 Years | 4.2% | 4.6% |
| Most Recent 5 Years | 4.4% | 6.1% |
* Statewide Plan Premium Rates
(1) 1988 rates represent the effect ve amounts of the 1/88 and 8/88 rate changes.
(2) No chanA?e in effective net rate over 1989.
(3) Represents rates effective 1/1/91 - 6.G0/91
(4) Represents 2 tier Empire Plan Rates; 5 tier rate schedule effective 1/1/96
EMPIRE PLAN
PA 5 TIER GROUP RATES
1995 - 2000 Monthly Rates
Core plus Med & Psych. Enh.
Individual Planprime
| Year | Gross Rate (1) | % Change | Net Rate (2) | % Change |
|---|---|---|---|---|
| 1995 | 214.70 | 193.54 | ||
| 1996 (3) | 234.59 | 9.3% | 207.66 | 7.3% |
| 1997 | 261.80 | 11.6% | 240.22 | 15.7% |
| 1998 | 267.89 | 2.3% | 246.07 | 2.4% |
| 1999 | 279.56 | 4.4% | 261.18 | 6.1% |
| 2000 projected | 309.17 | 10.6% | 300.17 | 14.9% |
Average Percent Increase
| Gross Rate % Change | Net Rate % Change | |
|---|---|---|
| From Inception of 5 Tier Structure | 7.6% | 9.3% |
Family Planprime
| Year | Gross Rate (1) | % Change | Net Rate (2) | % Change |
|---|---|---|---|---|
| 1995 | 486.99 | 440.35 | ||
| 1996 (3) | 521.96 | 7.2% | 459.16 | 4.3% |
| 1997 | 537.96 | 3.1% | 489.22 | 6.5% |
| 1998 | 552.00 | 2.6% | 503.78 | 3.0% |
| 1999 | 573.33 | 3.9% | 531.89 | 5.6% |
| 2000 projected | 633.76 | 10.5% | 615.39 | 15.7% |
Average Percent Increase
| Gross Rate % Change | Net Rate % Change | |
|---|---|---|
| From Inception of 5 Tier Structure | 5.5% | 7.0% |
Individual Medprime
| Year | Gross Rate (1) | % Change | Net Rate (2) | % Change |
|---|---|---|---|---|
| 1995 | 214.70 | 193.54 | ||
| 1996 (3) | 158.65 | -26.1% | 131.72 | -31.9% |
| 1997 | 150.53 | -5.1% | 129.28 | -1:9% |
| 1998 | 167.91 | 11.5% | 151.34 | 17.1% |
| 1999 | 186.46 | 11.0% | 175.61 | 16.0% |
| 2000 projected | 221.64 | 18.9% | 217.65 | 23.9% |
Average Percent Increase
| Gross Rate % Change | Net Rate % Change | |
|---|---|---|
| From Inception of 5 Tier Structure | 2.0% | 4.6% |
Family - 1 Medprime
| Year | Gross Rate (1) | % Change | Net Rate (2) | % Change |
|---|---|---|---|---|
| 1995 | 486.99 | 440.35 | ||
| 1996 (3) | 446.03 | -8.4% | 383.23 | -13.0% |
| 1997 | 427.23 | -4.2% | 378.82 | -1.2% |
| 1998 | 452.73 | 6.0% | 409.76 | 8.2% |
| 1999 | 480.95 | 6.2% | 447.05 | 9.1% |
| 2000 projected | 547.02 | 13.7% | 533.63 | 19.4% |
Average Percent Increase
| Gross Rate % Change | Net Rate % Change | |
|---|---|---|
| From Inception of 5 Tier Structure | 2.7% | 4.5% |
Family - 2 or More Medprime
| Year | Gross Rate (1) | % Change | Net Rate (2) | % Change |
|---|---|---|---|---|
| 1995 | 486.99 | 440.35 | ||
| 1996 (3) | 369.87 | -24.0% | 307.07 | -30.3% |
| 1997 | 315.24 | -14.8% | 267.15 | -13.0% |
| 1998 | 351.98 | 117% | 314.25 | 17.6% |
| 1999 | 387 05 | 10.0% | 360.66 | 14.8% |
| 2000 projected | 458.65 | 18.5% | 450.25 | 24.8% |
Average Percent Increase
| Gross Rate % Change | Net Rate % Change | |
|---|---|---|
| From Inception of 5 Tier Structure | 0.3% | 2.8% |
(1) Represents premiums charged by the carriers
(2) Represents cost to a participating agcnc
(3) Inception of Medprime Rate Structure