Major Rating Factors:
Fair overall results on stability tests (3.0 on a scale of 0 to 10) based on rapid premium growth over the last five years. Potentially strong support from affiliation with Tennessee Rural Health Improvement Association. Weak profitability index (1.0) with operating losses during 2018, 2019 and 2022. Average return on equity over the last five years has been poor at -5.5%. Excellent overall capitalization (8.6) based on good current risk-adjusted capital (severe loss scenario) despite some fluctuation in capital levels.
Other Rating Factors:
Excellent quality investment portfolio (8.2) containing small junk bond exposure. Excellent liquidity (7.6) with ample operational cash flow and liquid investments.
Principal Lines of Business:
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Licensed in:
All states except AK, CA, CT, DC, DE, FL, HI, IA, LA, MA, ME, NC, NH, NJ, NV, NY, OH, RI, VA, VT, WI, 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
Member Physicians
Enrollment
Total Patient Encounters
Physician
Non-Physician
Corporate Info
Group Affiliation
Tennessee Rural Health Improvement Association
Investment Rating
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Company Address
147 Bear Creek Pike
Columbia, TN 38401
Columbia, TN 38401
Phone Number
(931) 560-0041
NAIC Number
94587
Website
Largest Affiliates