Major Rating Factors:
Good quality investment portfolio (6.5 on a scale of 0 to 10) containing junk bond exposure equal to 56.4% of capital. Good overall results on stability tests (4.9). Rating is significantly influenced by the strong financial results of GuideWell Mutual Holding Corporation. Good liquidity (6.1) with sufficient resources (cash flows and marketable investments) to handle a spike in claims.
Other Rating Factors:
Weak profitability index (2.2) with 42.6 million in losses in the last three years. Return on equity has been low, averaging 3.2% over the last five years. Excellent overall capitalization (7.0) based on good current risk-adjusted capital (severe loss scenario) despite some fluctuation in capital levels.
Principal Lines of Business:
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Licensed in:
PR, VI
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
GuideWell Mutual Holding Corporation
Investment Rating
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Company Address
1441 F.D. Roosevelt Avenue
San Juan, PR 00920
San Juan, PR 00920
Phone Number
(787) 749-4949
NAIC Number
55816
Website
Largest Affiliates
