Major Rating Factors: Low quality investment portfolio (2.4 on a scale of 0 to 10). Fair capitalization (2.9) based on good current risk-adjusted capital (moderate loss scenario). Good overall profitability index (5.8).
Other Rating Factors: Excellent liquidity (7.5) with ample operational cash flow and liquid investments.
Principal Lines of Business: Comp med (99.9%), other (0.1%)
Licensed in: ME, NH
Principal Enrollment Breakdown: PPO (74.8%), HMO (25.2%)