Major Rating Factors:
Good overall results on stability tests (5.6 on a scale of 0 to 10) based on consistent premium and capital growth in the last five years. Good liquidity (5.3) with sufficient resources (cash flows and marketable investments) to handle a spike in claims. Excellent overall capitalization (7.5) based on excellent current risk-adjusted capital (severe loss scenario) despite some fluctuation in capital levels.
Other Rating Factors:
Excellent quality investment portfolio (7.7) containing small junk bond exposure. Weak profitability index (2.3) with operating losses during 2021 and 2023. Return on equity has been low, averaging 3.4% over the last five years.
Principal Lines of Business:
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Licensed in:
AL, AZ, FL, GA, MI, MO, NC, NV, OH, PA, TN, TX, UT, VA, 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
Educators Mutual Ins Association
Investment Rating
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Company Address
5101 S Commerce Dr
Murray, UT 84107
Murray, UT 84107
Phone Number
(801) 262-7476
NAIC Number
12515
Website
Largest Affiliates