E
Care N Care Ins Co of NC Inc
Rating Date
April 2025
NAIC
Classification
Risk Adjusted
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
Total
Assets
Capital
Health
Premiums
Net
Income
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Major Rating Factors: Weak profitability index (0.9 on a scale of 0 to 10) with operating losses during 2018, 2019, 2020 and 2021. Average return on equity over the last five years has been poor at -94.5%. Weak liquidity (0.3) as a spike in claims may stretch capacity. Good capitalization (4.9) based on good current risk-adjusted capital (severe loss scenario) reflecting significant improvement over results in 2020.
Other Rating Factors: Good overall results on stability tests (4.9) based on fair risk diversification due to the size of the company's affiliate group, a decline in the number of member physicians during 2022. Excellent quality investment portfolio (9.9) containing small junk bond exposure.
Principal Lines of Business: --
Licensed in: NC
Principal Enrollment Breakdown: --
Other Highlights
Medical Loss Ratio
Medical Expense
Per Member Per Month ($)
Provider Compensation ($000)
Capitation Pay
Fee For Service
0
Contractual Pay
Salary
0
Bonus
0
Other
--
Member Physicians
Enrollment
Total Patient Encounters
Physician
Non-Physician
0
Corporate Info
Group Affiliation
None
Investment Rating
--
Company Address
300 East Wendover Avenue
Greensboro, NC 27401
Phone Number
(336) 790-4386
NAIC Number
15685
Largest Affiliates
No affiliate information available.