Medical Trust Actuarial Report

5714717v1/00914.015 
 
 
 
Rachel Calisi 
Senior Health Consultant 
T 602.381.4027 
rcalisi@segalco.com 
1501 West Fountainhead Parkway, Suite 370 
Tempe, AZ 85282 
segalco.com 
 
 
January 25, 2022 
Ms. Rae Lynn Nielsen 
Human Resources Director 
City of Chandler  
PO Box 4008   
Chandler, AZ 85244-4008 
 
Re: 
City of Chandler  
 
Medical and Prescription Drug Plan Monthly Reporting 
 
January 1, 2021 through December 31, 2021 – Data through Dec. 31, 2021 
Dear Rae Lynn:  
Enclosed is the monthly experience reporting for the City’s medical and prescription drug plans. 
The report contains medical claims, prescription drug claims, enrollment, and expense 
information as furnished by Blue Cross Blue Shield of Arizona (Whyzen Analytics reporting tool) 
through December 31, 2021. 
For the month of December, Medical paid claims were approximately $2,030,000 while net Rx 
claims were about $424,000. For the 2021 full plan year, claims and expenses (after stop-loss 
reimbursements and pharmacy rebates) exceeded contributions by approximately $3,603,000 
or 16.3% of contributions. Based on paid claims and expenses, all Retiree and Active Plans, 
except for the Active white plan, have experienced an operating deficit, as displayed on Page 8.  
There have been twenty-eight claimants (three new claimants since last month) with paid claims 
in excess of $100,000 during the reporting period that accounts for 29.8% of total medical and 
prescription drug paid claims. There are four individuals in the current plan year who have 
exceeded the stop loss deductible of $350,000. 
Expenses included in this report are medical plan administration, stop-loss premium, capitation 
for behavioral health & chiropractic services, value based services, HSA administration, and 
fees associated with the Affordable Care Act. Also included is the amount of $114,555 per 
month from the 2021 Operating Budget. These expenses exclude those funded by Blue Cross 
Blue Shield of Arizona. These expenses include categories such as personnel support, audit & 
financial services, promotional, operating supplies & equipment, bank charges, contractual 
services, and health savings and flex account contributions.   
In December 2021, approximately 39% of all active employees and retirees were enrolled in the 
Red plan, with 5% enrolled in the Blue plan, and 57% enrolled in the White plan. At the end of 
2020, approximately 38% of enrollment was in the Red plan, 5% in the Blue plan and 57% in the

Ms. Rae Lynn Nielsen 
January 25, 2022 
Page 2 
 
5714717v1/00914.015 
 
 
 
White plan. The current average enrollment in 2021 is approximately 1.0 % higher than the 
2020 average enrollment.  
The Coronavirus (COVID-19) pandemic has impacted the 2020 and 2021 US economy and 
health plan claim’s history and projections for most Health Plan Sponsors. Realized trends in 
the 2021 plan year could be significantly different in 2022 as the population is vaccinated and 
changes in the spread of the COVID-19 virus is altered. 
I look forward to discussing this report with you. 
Sincerely yours, 
 
Rachel Calisi 
Senior Health Consultant 
 
 
/as

City of Chandler
(Data Through December 2021)
1/25/2022
Presented by: Rachel Calisi
© 2022 by The Segal Group Inc.
Medical/Rx Monthly Reporting:    
January 2021 - December 2021

Dec'21
Jan'21-Dec'21
Jan'20-Dec'20
Dec'21
Jan'21-Dec'21
Jan'20-Dec'20
Contributions (PEPM)
$1,066.99
$1,071.86
$1,074.83
Avg. # of Employees
1,752
1,713
1,697
Net Paid Medical Claims (PEPM)
$1,018.16
$861.61
$726.96
Avg. # of Members
4,579
4,555
4,565
Net Paid Rx Claims (PEPM)
$242.16
$221.05
$219.12
Ratio Members to EEs
2.61
2.66
2.69
Total Claims (PEPM)
$1,260.32
$1,082.66
$946.08
Age/Gender Index 1
-
0.980
0.968
Stop Loss & Adm Expenses (PEPM)
$162.71
$164.05
$134.39
Total Claims & Expenses (PEPM)
$1,423.03
$1,246.70
$1,080.47
Surplus/Deficit (PEPM)
-$356.05
-$174.84
-$5.64
Loss Ratio
133%
116%
101%
PEPM % Change
14.1%
15.4%
Jan'21-Dec'21
Jan'20-Dec'20
% Change
# of Claimants
30
25
20.0%
$ of Medical/Rx Paid Claims
$7,993,237
$5,588,507
43.0%
% of Medical/Rx Paid Claims
34.2%
31.2%
9.6%
Jan'21-Dec'21
Jan'20-Dec'20
% Change
Jan'21-Dec'21
Jan'20-Dec'20
% Change
Bed Days/1,000
199.8
226.1
-11.6%
Generic (PEPM)
$30.05
$37.82
-20.5%
Avg Length of Stay
5.1
5.5
-6.8%
Brand Preferred (PEPM)
$212.41
$164.32
29.3%
Brand Non-Preferred (PEPM)
$11.33
$39.85
-71.6%
Specialty (PEPM)
$129.67
$125.47
3.3%
Total (PEPM)
$383.47
$367.45
4.4%
Jan'21-Dec'21
Jan'20-Dec'20
% Change
Jan'21-Dec'21
Jan'20-Dec'20
% Change
In-Network Allowed %
97.8%
97.9%
-0.1%
Retail Scripts PMPY
13.30
13.22
0.6%
Discount from Billed5
67.1%
69.5%
-3.5%
Mail Order Scripts PMPY
0.13
0.22
-41.2%
% Mail Order
1.0%
1.7%
-41.1%
Jan'21-Dec'21
Jan'20-Dec'20
% Change
Generic Dispensing Rate
81.2%
80.5%
0.9%
Jan'21-Dec'21
Jan'20-Dec'20
% Change
Generic Plan Paid/Script
$10.17
$12.45
-18.3%
Member Cost Share %
14.0%
15.5%
-9.2%
Brand Plan Paid/Script
$343.55
$290.23
18.4%
Plan Paid %
86.0%
84.5%
1.7%
Specialty Plan Paid/Script
$4,069.39
$4,025.08
1.1%
Total Plan Paid/Script
$105.44
$97.44
8.2%
1
Pharmacy Spend 2
Medical In-Network Usage & Discounts
Pharmacy Retail vs Mail Order
Pharmacy Per Script Metrics2
Medical/Rx Plan - Member Cost Sharing 3
(1)  BCBS factor for measuring the cost deviation of a population from that of a benchmark population based on age and gender attributes.
(2)  The amount that plan participants enrolled in the White plan pay for their prescription drugs is not included in the Pharmacy Spend and Pharmacy Per Script Metric sections of the Dashboard because the information is 
not available broken down by pharmacy category in the BCBSAZ Whyzen system.  Differences in pharmacy spend may also be due to the reporting data source.
(3)  Cost share means the member's out-of-pocket expense compared to the sum of plan paid claims plus member out-of-pocket. Percentages do not reflect employee contributions.
(4)  Percentages are rounded to the first decimal.   (5) Dashboard Large Claims data is taken from the BCBSAZ Whyzen reporting tool, which is a utilization "snapshot in time" possibly resulting in a difference between the 
dashboard and the monthly report. Additionally, the Dashboard Large Claims data is showing paid claims data between January 31, 2021 - December 31, 2021, while the monthly report exhibit shows incurred claims data 
for the same period.
Inpatient Hospital
City of Chandler
HealthPlan Dashboard - Data thru December 2021
Income vs Paid Medical/Rx Claims + Expenses
Demographics
Large Claimants (> $100,000)
Financial
Prescription Drugs (Rx)
Enrollment
Medical Utilization
Medical Network
Medical/Rx Plan Design

Month
Enrollment
Contributions1
Medical Paid2,3
Stop Loss 
Refunds
Rx Paid
Net Claims
Expenses4
Total Paid Claims 
and Expenses
Surplus/
(Deficit)
Total Loss 
Ratio
Jan-20
1,692
$1,820,331
$1,017,630
($98,075)
$451,761
$1,371,316
$225,066
$1,596,382
$223,949
87.7%
Feb-20
1,696
$1,825,192
$1,170,609
($17,635)
$277,563
$1,430,536
$228,621
$1,659,158
$166,035
90.9%
Mar-20
1,703
$1,830,865
$1,344,793
($21,030)
$393,606
$1,717,369
$228,972
$1,946,340
($115,476)
106.3%
Apr-20
1,701
$1,828,635
$1,052,366
($228,666)
$338,407
$1,162,107
$228,806
$1,390,914
$437,721
76.1%
May-20
1,705
$1,833,086
$1,073,564
($74,375)
$255,628
$1,254,817
$229,050
$1,483,867
$349,219
80.9%
Jun-20
1,707
$1,835,410
$1,044,771
($49,557)
$339,982
$1,335,196
$229,234
$1,564,430
$270,980
85.2%
Jul-20
1,708
$1,836,171
$1,208,441
($107,215)
$379,367
$1,480,592
$229,387
$1,709,979
$126,192
93.1%
Aug-20
1,708
$1,837,644
$1,580,514
($67,580)
$432,267
$1,945,201
$229,343
$2,174,544
($336,900)
118.3%
Sep-20
1,701
$1,826,449
$1,531,706
($122,766)
$370,090
$1,779,029
$228,823
$2,007,852
($181,403)
109.9%
Oct-20
1,690
$1,814,532
$1,507,055
($68,205)
$386,117
$1,824,968
$227,948
$2,052,916
($238,384)
113.1%
Nov-20
1,691
$1,817,174
$1,520,779
($136,289)
$403,105
$1,787,595
$228,001
$2,015,596
($198,421)
110.9%
Dec-20
1,703
$1,826,453
$1,869,092
($96,244)
$443,178
$2,216,027
$228,937
$2,444,964
($618,511)
133.9%
2020 Total
20,405
$21,931,941
$15,921,319
($1,087,637)
$4,471,071
$19,304,753
$2,742,188
$22,046,940
($114,999)
100.5%
2020 Avg.
1,700
$1,827,662
$1,326,777
($90,636)
$372,589
$1,608,729
$228,516
$1,837,245
($9,583)
100.5%
Jan-21
1,708
$1,829,009
$1,661,205
($71,830)
$389,983
$1,979,358
$278,182
$2,257,540
($428,532)
123.4%
Feb-21
1,698
$1,819,359
$1,384,946
($11,968)
$375,656
$1,748,635
$280,266
$2,028,901
($209,542)
111.5%
Mar-21
1,704
$1,828,100
$1,739,289
($20,983)
$321,008
$2,039,314
$280,796
$2,320,110
($492,010)
126.9%
Apr-21
1,703
$1,828,978
$1,524,544
($1,603)
$388,568
$1,911,509
$280,675
$2,192,184
($363,206)
119.9%
May-21
1,703
$1,830,244
$1,714,029
($83,558)
$394,335
$2,024,807
$280,636
$2,305,443
($475,200)
126.0%
Jun-21
1,722
$1,847,707
$1,640,304
($134,389)
$374,365
$1,880,279
$282,462
$2,162,742
($315,035)
117.1%
Jul-21
1,717
$1,839,218
$1,349,631
($104,469)
$360,363
$1,605,525
$281,979
$1,887,503
($48,286)
102.6%
Aug-21
1,714
$1,840,013
$1,352,027
($130,390)
$379,275
$1,600,912
$281,650
$1,882,563
($42,550)
102.3%
Sep-21
1,717
$1,841,570
$1,332,072
($131,720)
$378,985
$1,579,337
$279,041
$1,858,377
($16,807)
100.9%
Oct-21
1,733
$1,858,733
$1,600,815
($119,875)
$423,006
$1,903,947
$286,019
$2,189,966
($331,233)
117.8%
Nov-21
1,735
$1,854,450
$1,666,669
($184,296)
$345,153
$1,827,526
$283,565
$2,111,091
($256,641)
113.8%
Dec-21
1,752
$1,869,360
$2,030,370
($246,550)
$424,269
$2,208,089
$285,066
$2,493,155
($623,795)
133.4%
2021 Total
20,606
$22,086,738
$18,995,900
($1,241,629)
$4,554,966
$22,309,237
$3,380,337
$25,689,574
($3,602,836)
116.3%
2021 Avg.
1,717
$1,840,562
$1,582,992
($103,469)
$379,580
$1,859,103
$281,695
$2,140,798
($300,236)
116.3%
2
City of Chandler
2020-2021 Medical/Rx Contributions and Expenses
Year-to-date through December 2021
(1) Contributions for COBRA are assumed to be the same as the Actives. (2) Medical Paid claims include BCBSAZ AEA amounts, access fees, and capitation.
(3) Medical Paid claims includes retroactive adjustments which causes discrepancies when comparing to BCBSAZ invoices. (4) Expenses include prorated monthly PCORI fees.
$2,257,540 
$4,286,441 
$6,606,551 
$8,798,735 
$11,104,179 
$13,266,920 
$15,154,423 
$17,036,986 
$18,895,363 
$21,085,329 
$23,196,420 
$25,689,574 
$1,596,382 
$3,255,540 
$5,201,880 
$6,592,794 
$8,076,661 
$9,641,091 
$11,351,070 
$13,525,614 
$15,533,466 
$17,586,381 
$19,601,977 
$22,046,940 
 $-
 $5,000,000
 $10,000,000
 $15,000,000
 $20,000,000
 $25,000,000
 $30,000,000
Jan.
Feb.
Mar.
Apr.
May
Jun.
Jul.
Aug.
Sept.
Oct.
Nov.
Dec.
2021 vs 2020 Cumulative Paid Claims & Expenses
2021 Cumulative Claims & Expenses
2020 Cumulative Claims & Expenses
5711530v3

Red
Blue
White
Total
Red
Blue
White
Total
Red
Blue
White
Total
Jan-21
602
45
879
1,526
63
28
91
182
665
73
970
1,708
Feb-21
595
44
871
1,510
64
29
95
188
659
73
966
1,698
Mar-21
597
48
871
1,516
64
29
95
188
661
77
966
1,704
Apr-21
597
48
871
1,516
64
29
94
187
661
77
965
1,703
May-21
596
47
869
1,512
67
29
95
191
663
76
964
1,703
Jun-21
603
47
880
1,530
67
29
96
192
670
76
976
1,722
Jul-21
599
50
873
1,522
68
27
100
195
667
77
973
1,717
Aug-21
600
51
866
1,517
68
27
102
197
668
78
968
1,714
Sep-21
598
54
870
1,522
68
26
101
195
666
80
971
1,717
Oct-21
603
56
873
1,532
73
26
102
201
676
82
975
1,733
Nov-21
603
58
873
1,534
72
26
103
201
675
84
976
1,735
Dec-21
603
56
889
1,548
75
26
103
204
678
82
992
1,752
2021 Avg.
600
50
874
1,524
68
28
98
193
667
78
972
1,717
% of Total
35%
3%
51%
89%
4%
2%
6%
11%
39%
5%
57%
100%
2020 Avg.
594
49
885
1,528
59
28
86
173
652
78
971
1,700
% Change
1%
2%
-1%
0%
16%
-3%
14%
12%
2%
0%
0%
1.0%
3
City of Chandler
2021 Enrollment by Status and Plan
Year-to-date through December 2021
TOTAL
ACTIVE
RETIREE
0
500
1,000
Jan-21
Feb-21
Mar-21
Apr-21
May-21
Jun-21
Jul-21
Aug-21
Sep-21
Oct-21
Nov-21
Dec-21
Active Enrollment by Plan 
ACTIVE Red
ACTIVE Blue
ACTIVE White
0
20
40
60
80
100
120
Jan-21
Feb-21
Mar-21
Apr-21
May-21
Jun-21
Jul-21
Aug-21
Sep-21
Oct-21
Nov-21
Dec-21
Retiree Enrollment by Plan
RETIREE Red
RETIREE Blue
RETIREE White
5711530v3

Notes:
Paid claims illustrated include capitation but are not reduced for stop loss reimbursements and prescription drug rebates.
The claims information by Active and Retiree status is approximate based on the status information reported to Blue Cross Blue Shield as of the date the claim was adjudicated.
4
City of Chandler
2021 Medical/Rx Paid Claims by Plan and Status
Year-to-date through December 2021
$1,480 
$1,708 
$742 
$1,064 
$3,120 
$1,105 
$1,007 
$1,761 
$1,647 
$1,495 
$769 
$1,143 
$0
$500
$1,000
$1,500
$2,000
$2,500
$3,000
$3,500
$4,000
Red
Blue
White
All Plans
Claims per Employee per Month
Medical/Rx YTD Claims Paid by Plan and Status -- 2021 Plan Year
Actives '21
Retirees '21
All '21
$1,326 
$745 
$653 
$917 
$3,292 
$944 
$911 
$1,724 
$1,502 
$818 
$676 
$999 
$0
$500
$1,000
$1,500
$2,000
$2,500
$3,000
$3,500
Red
Blue
White
All Plans
Claims per Employee per Month
Medical/Rx YTD Claims Paid by Plan and Status -- 2020 Plan Year
Actives '20
Retirees '20
All '20
5711530v3

Enrollment Contributions
Claims & 
Expenses
Active 
Loss Ratio Enrollment Contributions
Claims & 
Expenses
Retiree 
Loss Ratio Enrollment Contributions
Total Claims 
& Expenses
Total Loss 
Ratio
All Plans
18,285
$20,070,554
$22,463,947
112%
2,321
$2,016,184
$4,467,256
222%
20,606
$22,086,738
$26,931,203
122%
% of Total
89%
91%
83%
11%
9%
17%
100%
100%
100%
Red Plan
7,196
$9,732,126
$11,833,817
122%
813
$875,534
$2,669,410
305%
8,009
$10,607,659
$14,503,227
137%
% of Total
90%
92%
82%
10%
8%
18%
39%
48%
54%
Blue Plan
604
$658,341
$1,130,934
172%
331
$276,818
$420,015
152%
935
$935,159
$1,550,949
166%
% of Total
65%
70%
73%
35%
30%
27%
5%
4%
6%
White Plan
10,485
$9,680,087
$9,499,196
98%
1,177
$863,833
$1,377,831
160%
11,662
$10,543,920
$10,877,027
103%
% of Total
90%
92%
87%
10%
8%
13%
57%
48%
40%
4/10/2015
*
5
The claims information by Active and Retiree is approximate based on the status information reported to Blue Cross Blue Shield as of the date the claim was adjudicated.
Notes: Paid claims include capitation but are unadjusted for stop loss reimbursements.  
City of Chandler
2021 Contributions and Paid Claims by Status and Plan
Year-to-date through December 2021
ACTIVE
RETIREE
TOTAL
Percent of Total rows sum Active and Retiree columns by plan and show each plan's percentage of the total in the Total columns.                             
 $-
 $5,000,000
 $10,000,000
 $15,000,000
 $20,000,000
 $25,000,000
Jan-21
Feb-21
Mar-21
Apr-21
May-21
Jun-21
Jul-21
Aug-21
Sep-21
Oct-21
Nov-21
Dec-21
$ Year-to-Date
Active Contributions vs Claims and Expenses
 $-
 $1,000,000
 $2,000,000
 $3,000,000
 $4,000,000
 $5,000,000
Jan-21
Feb-21
Mar-21
Apr-21
May-21
Jun-21
Jul-21
Aug-21
Sep-21
Oct-21
Nov-21
Dec-21
$ Year-to-Date
Retiree Contributions vs Claims and Expenses 
 Contributions
 Claims & Expenses
5711530v3

Month
EE
EE+SP
EE+Ch(rn)
EE+Fam
EE
EE+SP
EE+Ch(rn)
EE+Fam
EE
EE+SP
EE+Ch(rn)
EE+Fam
Jan-21
153
138
87
224
18
3
7
17
261
122
100
396
Feb-21
147
136
89
223
18
2
7
17
256
119
101
395
Mar-21
146
136
89
226
20
3
7
18
257
119
100
395
Apr-21
145
136
90
226
19
3
7
19
255
120
100
396
May-21
143
135
91
227
18
3
7
19
257
117
99
396
Jun-21
146
135
91
231
18
3
7
19
260
122
103
395
Jul-21
147
133
90
229
19
4
8
19
260
119
99
395
Aug-21
145
134
90
231
20
4
8
19
259
116
95
396
Sep-21
146
133
89
230
22
5
8
19
260
116
96
398
Oct-21
149
131
91
232
24
5
8
19
261
117
97
398
Nov-21
152
132
90
229
25
5
9
19
263
120
96
394
Dec-21
150
133
88
232
23
5
9
19
276
119
96
398
2021 Total
1,769
1,612
1,075
2,740
244
45
92
223
3,125
1,426
1,182
4,752
2021 Avg.
147
134
90
228
20
4
8
19
260
119
99
396
Month
Retiree
Ret+SP
Ret+Ch(rn)
Ret+Fam
Retiree
Ret+SP
Ret+Ch(rn)
Ret+Fam
Retiree
Ret+SP
Ret+Ch(rn)
Ret+Fam
Jan-21
28
30
2
3
14
14
0
0
40
39
2
10
Feb-21
29
30
2
3
15
14
0
0
43
40
2
10
Mar-21
29
30
2
3
15
14
0
0
42
40
3
10
Apr-21
29
29
2
4
16
13
0
0
42
41
3
8
May-21
30
30
3
4
16
13
0
0
42
42
3
8
Jun-21
30
30
3
4
17
12
0
0
43
42
3
8
Jul-21
30
31
4
3
15
12
0
0
47
43
3
7
Aug-21
30
30
5
3
15
12
0
0
47
45
3
7
Sep-21
29
31
5
3
15
11
0
0
46
45
3
7
Oct-21
28
36
6
3
15
11
0
0
46
45
3
8
Nov-21
28
35
6
3
15
11
0
0
47
45
3
8
Dec-21
31
35
6
3
15
11
0
0
47
45
3
8
2021 Total
351
377
46
39
183
148
0
0
532
512
34
99
2021 Avg.
29
31
4
3
15
12
0
0
44
43
3
8
6
City of Chandler
Enrollment by Tier
Year-to-date through December 2021
 Red
 Blue
 White
Actives
Retirees
Red
Blue
White
5711530v3

Month
EE
EE+SP
EE+Ch(rn)
EE+Fam
EE
EE+SP
EE+Ch(rn)
EE+Fam
EE
EE+SP
EE+Ch(rn)
EE+Fam
Jan-20
146
132
85
231
15
4
8
16
263
122
98
403
Feb-20
146
132
85
231
16
3
9
17
263
122
98
405
Mar-20
149
133
85
229
18
3
10
17
258
126
102
405
Apr-20
146
135
85
229
18
3
10
17
257
128
103
403
May-20
146
135
85
229
19
3
11
18
256
128
103
403
Jun-20
145
135
85
230
20
3
10
19
258
125
101
403
Jul-20
146
133
85
231
20
3
9
18
259
125
101
403
Aug-20
147
134
83
232
21
3
9
18
258
125
100
403
Sep-20
148
134
83
228
21
3
9
18
258
123
100
399
Oct-20
147
133
84
225
20
3
9
18
256
124
100
397
Nov-20
146
135
81
227
22
3
9
18
256
123
98
396
Dec-20
147
135
82
228
22
3
8
18
262
124
97
397
2020 Total
1,759
1,606
1,008
2,750
232
37
111
212
3,104
1,495
1,201
4,817
2020 Avg.
147
134
84
229
19
3
9
18
259
125
100
401
Month
Retiree
Ret+SP
Ret+Ch(rn)
Ret+Fam
Retiree
Ret+SP
Ret+Ch(rn)
Ret+Fam
Retiree
Ret+SP
Ret+Ch(rn)
Ret+Fam
Jan-20
26
25
2
4
15
14
0
0
42
30
2
9
Feb-20
25
25
2
4
15
14
0
0
42
31
2
9
Mar-20
25
25
2
4
15
14
0
0
41
31
2
9
Apr-20
26
25
2
3
15
14
0
0
41
30
2
9
May-20
27
25
2
3
15
14
0
0
41
31
2
9
Jun-20
28
27
2
2
15
14
0
0
42
31
2
10
Jul-20
28
28
2
2
15
14
0
0
41
32
2
11
Aug-20
29
28
2
2
14
14
0
0
40
33
2
11
Sep-20
28
28
2
2
14
14
0
0
40
35
2
12
Oct-20
27
28
2
2
14
13
0
0
38
35
3
12
Nov-20
28
28
2
2
14
13
0
0
38
36
3
13
Dec-20
29
29
2
2
14
13
0
0
40
35
3
13
2020 Total
326
321
24
32
175
165
0
0
486
390
27
127
2020 Avg.
27
27
2
3
15
14
0
0
41
33
2
11
7
Actives
Retirees
Red
Blue
White
City of Chandler
Enrollment by Tier
Plan Year 2020
 Red
 Blue
 White
5711530v3

4/10/2015
*
8
City of Chandler
2021 Contributions and Expenses by Status and Plan
Year-to-date through December 2021
Claims include capitation (allocated by claims paid year-to-date), but are unreduced for stop loss reimbursements.
Expenses on these graphs are limited to self-insurance administrative fees, PCORI fees, and paid claims.
The claims information by Active and Retiree status is approximate based on the status information reported to Blue Cross as of the date the claim was adjudicated.
$1,352 
$1,090 
$923 
$1,098 
$1,644 
$1,872 
$906 
$1,229 
($292)
($782)
$17 
($131)
-$1,000
-$500
$0
$500
$1,000
$1,500
$2,000
$2,500
Red
Blue
White
All Plans
$ per Employee per Month
Active Surplus/(Deficit) by Plan
Contributions
Claims+Expenses
Surplus/(Deficit)
$1,077 
$836 
$734 
$869 
$3,283 
$1,269 
$1,171 
$1,925 
($2,206)
($433)
($437)
($1,056)
-$3,000
-$2,000
-$1,000
$0
$1,000
$2,000
$3,000
$4,000
Red
Blue
White
All Plans
$ per Employee per Month
Retiree Surplus/(Deficit) by Plan
Contributions
Claims+Expenses
Surplus/(Deficit)
89%
11%
Enrollment
Active %
Retiree %
91%
9%
Contributions
Active
Retiree
83%
17%
Claims and Expenses
Active
Retiree
5711530v3

Rank
Plan
Medical/Rx Paid YTD
Medical/Rx Paid in Excess of 
$350K Stop Loss Deductible
1
Red Plan
$1,146,157
$796,157
2
Red Plan
$594,004
$244,004
3
Red Plan
$418,309
$68,309
4
White Plan
$375,605
$25,605
5
White Plan
$346,174
$0
6
Red Plan
$307,488
$0
7
Blue Plan
$282,437
$0
8
White Plan
$262,110
$0
9
Red Plan
$260,463
$0
10
Red Plan
$258,638
$0
11
White Plan
$241,748
$0
12
Red Plan
$223,093
$0
13
Red Plan
$180,497
$0
14
Blue Plan
$178,078
$0
15
White Plan
$178,068
$0
16
Red Plan
$177,169
$0
17
Red Plan
$164,955
$0
18
Red Plan
$149,557
$0
19
Red Plan
$142,909
$0
20
Red Plan
$142,351
$0
21
White Plan
$141,551
$0
22
Red Plan
$140,579
$0
23
Red Plan
$132,519
$0
24
Red Plan
$118,477
$0
25
Red Plan
$116,681
$0
26
White Plan
$110,288
$0
27
White Plan
$109,654
$0
28
Red Plan
$107,090
$0
$7,006,649
$1,134,076
29.8%
City of Chandler
2021 Incurred Medical Claims Paid in Excess of $100,000
Year-to-date through December 2021
9
Total of twenty-eight claimants
Percentage of Total Medical/Rx Paid:
29.8%
70.2%
Large Claims
All Other Medical/Rx Claims
5711530v3

Twelve Month Period 
Ending
(a)
Enrollment
(b)
Medical Claims 
Paid
(c)
Stop Loss 
Reimbursements
(d)=(b)+(c)
Net Medical 
Claims
(e)
Rx Paid
(f)=(d)+(e)
Net Claims
(d)/(a)
Net Medical 
Claims PEPM
(e)/(a)
Rx Claims PEPM
Dec-20
20,405
$15,921,319
($1,087,637)
$14,833,682
$4,471,071
$19,304,753
$726.96
$219.12
Jan-21
20,421
$16,564,893
($1,061,392)
$15,503,501
$4,409,293
$19,912,794
$759.19
$215.92
Feb-21
20,423
$16,779,231
($1,055,724)
$15,723,506
$4,507,386
$20,230,893
$769.89
$220.70
Mar-21
20,424
$17,173,727
($1,055,678)
$16,118,049
$4,434,789
$20,552,838
$789.17
$217.14
Apr-21
20,426
$17,645,904
($828,614)
$16,817,290
$4,484,949
$21,302,239
$823.33
$219.57
May-21
20,424
$18,286,370
($837,797)
$17,448,573
$4,623,656
$22,072,229
$854.32
$226.38
Jun-21
20,439
$18,881,903
($922,629)
$17,959,274
$4,658,039
$22,617,313
$878.68
$227.90
Jul-21
20,448
$19,023,093
($919,883)
$18,103,210
$4,639,035
$22,742,245
$885.33
$226.87
Aug-21
20,454
$18,794,607
($982,693)
$17,811,914
$4,586,043
$22,397,956
$870.83
$224.21
Sep-21
20,470
$18,594,973
($991,646)
$17,603,327
$4,594,938
$22,198,264
$859.96
$224.47
Oct-21
20,513
$18,688,733
($1,043,316)
$17,645,417
$4,631,827
$22,277,244
$860.21
$225.80
Nov-21
20,557
$18,834,622
($1,091,323)
$17,743,300
$4,573,876
$22,317,175
$863.13
$222.50
Dec-21
20,606
$18,995,900
($1,241,629)
$17,754,271
$4,554,966
$22,309,237
$861.61
$221.05
Notes:
Medical Claims Paid includes capitation. 
10
City of Chandler
Thirteen Month Snapshot - Medical and Rx Plan Paid Claims Through December 2021
$727
$759
$770
$789
$823
$854
$879
$885
$871
$860
$860
$863
$862
$0
$100
$200
$300
$400
$500
$600
$700
$800
$900
$1,000
Claims per Employee per Month
12-Month Period Ending
Rolling Twelve Month Net Medical Claims PEPM
Net Medical Trend 18.5%
$219 $216 $221 $217 $220
$226 $228 $227 $224 $224 $226 $222 $221
$160
$170
$180
$190
$200
$210
$220
$230
$240
$250
$260
Claims per Employee per Month
12-Month Period Ending
Rolling Twelve Month Rx Claims PEPM
Rx Trend 0.9%
5711530v3