Major Rating Factors:
Fair overall results on stability tests (3.8 on a scale of 0 to 10) based on inordinate decline in capital during 2022. Good overall profitability index (5.4) despite modest operating losses during 2021 and 2022. Good quality investment portfolio (5.8) containing junk bond exposure equal to 80.6% of capital.
Other Rating Factors:
Good liquidity (6.0) with sufficient resources (cash flows and marketable investments) to handle a spike in claims. Excellent capitalization (7.4) based on good current risk-adjusted capital (severe loss scenario) reflecting significant improvement over results in 2019.
Principal Lines of Business:
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Licensed in:
ID, MT, WY
Principal Enrollment Breakdown:
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Other Highlights
Medical Loss Ratio
Medical Expense
Per Member Per Month ($)
Provider Compensation ($000)
Capitation Pay
Fee For Service
Contractual Pay
Salary
Bonus
Other
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Member Physicians
Enrollment
Total Patient Encounters
Physician
Non-Physician
Corporate Info
Group Affiliation
None
Investment Rating
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Company Address
810 Hialeah Court
Helena, MT 59601
Helena, MT 59601
Phone Number
(406) 447-9510
NAIC Number
14933
Website
Largest Affiliates
No affiliate information available.