McGohan Brabender - Actuarial-Fully

Fully-Insured Actuarial Services
For the Mid-Sized Employer

Modified CAHP – Modified Comprehensive Assessment of Health Plans Report:
Designed for the unique needs of fully insured employers, the Modified CAHP Report is a comprehensive benchmarking report covering plan design, premium rating and employee contribution strategy based on results from McGohan Brabender’s Mid-Market Survey.

Plan Design Analysis:

Using our actuary’s industry experience, our consultants can help design a healthcare program that meets participant and employer needs. In addition, using our actuary’s proprietary models, Health Cost Guidelines and Dental Cost Guidelines, we can readily value benefit design changes to ensure healthcare programs meet employers’ financial constraints.

Mid-Year Renewal Projection:

The Mid-Year Renewal Projection helps employers set preliminary budgets prior to receiving the renewals from the carriers. We complete a pricing calculation to determine the projected premium and compare this to the current premium rates. A trend analysis allows outliers or seasonality problems to be identified and addressed.

Renewal Evaluation:

Our Renewal Evaluation is conducted after receiving fully insured renewals. Using the Health Cost Guidelines and other cost models, we calculate a manual rate and projected premium to compare to quoted rates. In addition, our actuaries will review the renewal for proper calculation of reserves, benefit changes, large claims adjustments, administration fees, pooling charges, and profit margin.

Client Services

--- Offices In: Dayton, Cincinnati and Columbus ---