C
AR Health & Wellness Hlth Plan
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 -41.1%. Good quality investment portfolio (5.8) containing junk bond exposure equal to 72.9% of capital. Good overall results on stability tests (5.0) based on rapid premium growth over the last five years, excessive capital growth during 2022 and rapid enrollment growth during the past five years. Rating is significantly influenced by the strong financial results of Centene Corporation.
Other Rating Factors: Excellent capitalization (8.1) based on good current risk-adjusted capital (severe loss scenario) reflecting improvement over results in 2021. Excellent liquidity (6.9) with sufficient resources (cash flows and marketable investments) to handle a spike in claims.
Principal Lines of Business: --
Licensed in: AR, TN
Principal Enrollment Breakdown: --
Other Highlights
Medical Loss Ratio
Medical Expense
Per Member Per Month ($)
Provider Compensation ($000)
Capitation Pay
700
Fee For Service
0
Contractual Pay
Salary
Bonus
Other
--
Member Physicians
Enrollment
Total Patient Encounters
Physician
Non-Physician
Corporate Info
Group Affiliation
Centene Corporation
Investment Rating
CNC
Company Address
Centene Plaza
Saint Louis, MO 63105
Phone Number
(314) 725-4477
NAIC Number
16130
Largest Affiliates
C
Saint Louis, MO - Health
B
Saint Louis, MO - Health
B
Saint Louis, MO - Health
C
Burr Ridge, IL - Health
C
Saint Louis, MO - Health