Major Rating Factors:
Fair profitability index (2.9 on a scale of 0 to 10) with operating losses during 2019 and 2023. Good overall capitalization (5.8) based on good current risk-adjusted capital (severe loss scenario). Good liquidity (5.3) with sufficient resources (cash flows and marketable investments) to handle a spike in claims.
Other Rating Factors:
Excellent quality investment portfolio (8.9) containing small junk bond exposure. Weak overall results on stability tests (2.4).
Principal Lines of Business:
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Licensed in:
ID
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
GEMSTONE HOLDINGS INC
Investment Rating
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Company Address
3000 East Pine Avenue
Meridian, ID 83642
Meridian, ID 83642
Phone Number
(208) 345-4550
NAIC Number
15022
Website
Largest Affiliates