B
NHC Advantage LLC
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: Fair profitability index (4.1 on a scale of 0 to 10) due to a decline in earnings during 2022. Fair overall results on stability tests (4.8) in spite of consistent premium and capital growth in the last five years but fair risk diversification due to the company's size and rapid enrollment growth during the past five years. Good capitalization (6.6) based on good current risk-adjusted capital (severe loss scenario) reflecting some improvement over results in 2021.
Other Rating Factors: Excellent quality investment portfolio (9.9) containing small junk bond exposure. Excellent liquidity (7.1) with ample operational cash flow and liquid investments.
Principal Lines of Business: --
Licensed in: MO, SC, TN
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
Other
--
Member Physicians
Enrollment
Total Patient Encounters
Physician
Non-Physician
Corporate Info
Group Affiliation
National HealthCare Corporation
Investment Rating
NHC
Company Address
10900 Nuckols Road
Glen Allen, VA 23060
Phone Number
(804) 396-6412
NAIC Number
16000
Largest Affiliates
No affiliate information available.