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5743531v1/00914.015 Rachel Calisi Senior Health Consultant T 602.381.4027 rcalisi@segalco.com 1501 West Fountainhead Parkway, Suite 370 Tempe, AZ 85282 segalco.com November 9, 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, 2022 through December 31, 2022 – Data through September 2022 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 September 30, 2022. For the month of September, Medical paid claims were approximately $1,924,000 while net Rx claims were about $359,000. For the 2022 plan year-to-date, claims and expenses (after stop- loss reimbursements and pharmacy rebates) exceeded contributions by approximately $1,715,000 or 10.2% of contributions. Based on paid claims and expenses, all Actives and Retirees on the Red and Blue Plans, as well as Retirees on the White Plan experienced an operating deficit, as displayed on Page 8. There have been twenty-seven (versus twenty-three in the prior month) claimants with paid claims in excess of $100,000 during the reporting period. There are three 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 $92,562 per month from the 2022 Operating Budget. These expenses exclude those funded by Blue Cross Blue Shield of Arizona. These expenses include categories such as wellness incentives, wellness portal, personnel support, audit & financial services, promotional, operating supplies & equipment, bank charges, contractual services, IT reports, and health savings and flex account contributions. In September 2022, approximately 38.7% of all active employees and retirees were enrolled in the Red plan, with 5.3% enrolled in the Blue plan, and 56.0% enrolled in the White plan. At the 5743531v1/00914.015 Ms. Rae Lynn Nielsen November 9, 2022 Page 2 end of 2021, approximately 38.9% of enrollment was in the Red plan, 4.5% in the Blue plan and 56.6% in the White plan. The current average enrollment in 2022 is approximately 2.7% higher than the 2021 average enrollment. The Coronavirus (COVID-19) pandemic has impacted the 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 City of Chandler (Data Through September 2022) 11/9/2022 Presented by: Rachel Calisi © 2022 by The Segal Group Inc. Medical/Rx Monthly Reporting: January 2022 - December 2022 Sep'22 Jan'22-Sep'22 Jan'21-Dec'21 Sep'22 Jan'22-Sep'22 Jan'21-Dec'21 Contributions (PEPM) $1,063.92 $1,063.72 $1,071.86 Avg. # of Employees 1,808 1,762 1,713 Net Paid Medical Claims (PEPM) $987.51 $831.51 $861.61 Avg. # of Members 4,677 4,629 4,555 Net Paid Rx Claims (PEPM) $198.39 $190.59 $221.05 Ratio Members to EEs 2.59 2.63 2.66 Total Claims (PEPM) $1,185.90 $1,022.10 $1,082.66 Age/Gender Index 1 - 0.981 0.980 Stop Loss & Adm Expenses (PEPM) $148.56 $149.71 $164.05 Total Claims & Expenses (PEPM) $1,334.46 $1,171.81 $1,246.70 Surplus/Deficit (PEPM) -$270.54 -$108.09 -$174.84 Loss Ratio 125% 110% 116% PEPM % Change 13.9% -6.0% Jan'22-Sep'22 Jan'21-Sep'21 % Change # of Claimants 27 21 28.6% $ of Medical/Rx Paid Claims $5,214,443 $4,805,659 8.5% % of Medical/Rx Paid Claims 30.9% 28.4% 8.6% Jan'22-Sep'22 Jan'21-Dec'21 % Change Jan'22-Sep'22 Jan'21-Dec'21 % Change Bed Days/1,000 350.5 308.9 13.5% Generic (PEPM) $28.31 $31.55 -10.3% Avg Length of Stay 6.7 6.5 1.6% Brand Preferred (PEPM) $221.29 $222.65 -0.6% Brand Non-Preferred (PEPM) $13.00 $11.65 11.6% Specialty (PEPM) $105.60 $135.37 -22.0% Total (PEPM) $368.20 $401.22 -8.2% Jan'22-Sep'22 Jan'21-Dec'21 % Change Jan'22-Sep'22 Jan'21-Dec'21 % Change In-Network Allowed % 98.2% 97.1% 1.1% Retail Scripts PMPY 10.49 13.99 -25.1% Discount from Billed5 66.6% 67.2% -0.9% Mail Order Scripts PMPY 0.16 0.14 10.0% % Mail Order 1.5% 1.0% 46.1% Jan'22-Sep'22 Jan'21-Dec'21 % Change Generic Dispensing Rate 82.3% 81.1% 1.4% Jan'22-Sep'22 Jan'21-Dec'21 % Change Generic Plan Paid/Script $9.14 $10.18 -10.2% Member Cost Share % 14.8% 13.4% 10.7% Brand Plan Paid/Script $365.39 $341.02 7.1% Plan Paid % 85.2% 86.6% -1.7% Specialty Plan Paid/Script $4,077.23 $4,062.97 0.4% Total Plan Paid/Script $97.81 $105.02 -6.9% Inpatient Hospital City of Chandler HealthPlan Dashboard - Data thru September 2022 Income vs Paid Medical/Rx Claims + Expenses Demographics Large Claimants (> $100,000) 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. 5743457 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-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% Jan-22 1,760 $1,871,210 $1,507,401 ($191,783) $326,101 $1,641,719 $261,157 $1,902,876 ($31,666) 101.7% Feb-22 1,756 $1,865,487 $1,231,204 ($21,351) $235,866 $1,445,719 $263,559 $1,709,278 $156,210 91.6% Mar-22 1,747 $1,857,678 $1,649,945 ($117,877) $288,374 $1,820,442 $262,717 $2,083,159 ($225,481) 112.1% Apr-22 1,748 $1,858,559 $818,074 $123,627 $318,247 $1,259,948 $262,689 $1,522,637 $335,923 81.9% May-22 1,751 $1,861,273 $1,078,484 ($78,321) $317,526 $1,317,688 $260,294 $1,577,982 $283,291 84.8% Jun-22 1,760 $1,873,065 $1,879,251 ($100,053) $415,766 $2,194,964 $266,688 $2,461,652 ($588,587) 131.4% Jul-22 1,751 $1,866,769 $2,082,781 ($74,800) $336,149 $2,344,130 $263,162 $2,607,292 ($740,523) 139.7% Aug-22 1,786 $1,900,415 $1,848,497 ($226,992) $427,426 $2,048,932 $266,554 $2,315,486 ($415,071) 121.8% Sep-22 1,808 $1,923,563 $1,923,765 ($138,353) $358,691 $2,144,102 $268,605 $2,412,707 ($489,144) 125.4% Oct-22 Nov-22 Dec-22 2022 Total 15,867 $16,878,019 $14,019,402 ($825,903) $3,024,146 $16,217,644 $2,375,424 $18,593,069 ($1,715,050) 110.2% 2022 Avg. 1,763 $1,875,335 $1,557,711 ($91,767) $336,016 $1,801,960 $263,936 $2,065,897 ($190,561) 110.2% 2 City of Chandler 2021-2022 Medical/Rx Contributions and Expenses Year-to-date through September 2022 (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. (4) Enrollment may change retrospectively based on updated BCBSAZ reporting. $1,902,876 $3,612,154 $5,695,312 $7,217,949 $8,795,931 $11,257,584 $13,864,876 $16,180,362 $18,593,069 $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 $- $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. 2022 vs 2021 Cumulative Paid Claims & Expenses 2022 Cumulative Claims & Expenses 2021 Cumulative Claims & Expenses 5743457 Red Blue White Total Red Blue White Total Red Blue White Total Jan-22 591 56 909 1,556 73 27 104 204 664 83 1,013 1,760 Feb-22 585 57 905 1,547 75 27 107 209 660 84 1,012 1,756 Mar-22 580 57 898 1,535 75 27 110 212 655 84 1,008 1,747 Apr-22 584 57 892 1,533 77 27 111 215 661 84 1,003 1,748 May-22 586 62 887 1,535 78 27 111 216 664 89 998 1,751 Jun-22 595 64 882 1,541 78 27 114 219 673 91 996 1,760 Jul-22 594 65 872 1,531 79 26 115 220 673 91 987 1,751 Aug-22 609 70 886 1,565 79 25 117 221 688 95 1,003 1,786 Sep-22 621 70 894 1,585 79 25 119 223 700 95 1,013 1,808 Oct-22 Nov-22 Dec-22 2022 Avg. 594 62 892 1,548 77 26 112 215 671 88 1,004 1,763 % of Total 34% 4% 51% 88% 4% 1% 6% 12% 38% 5% 57% 100% 2021 Avg. 600 50 874 1,524 68 28 98 193 667 78 972 1,717 % Change -1% 23% 2% 2% 14% -4% 14% 11% 1% 14% 3% 2.7% 3 City of Chandler 2022 Enrollment by Status and Plan Year-to-date through September 2022 TOTAL ACTIVE RETIREE 0 500 1,000 Jan-22 Feb-22 Mar-22 Apr-22 May-22 Jun-22 Jul-22 Aug-22 Sep-22 Oct-22 Nov-22 Dec-22 Active Enrollment by Plan ACTIVE Red ACTIVE Blue ACTIVE White 0 20 40 60 80 100 120 140 Jan-22 Feb-22 Mar-22 Apr-22 May-22 Jun-22 Jul-22 Aug-22 Sep-22 Oct-22 Nov-22 Dec-22 Retiree Enrollment by Plan RETIREE Red RETIREE Blue RETIREE White 5743457 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 2022 Medical/Rx Paid Claims by Plan and Status Year-to-date through September 2022 $1,513 $1,194 $684 $1,022 $2,242 $1,383 $913 $1,446 $1,597 $1,250 $709 $1,074 $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 -- 2022 Plan Year Actives '22 Retirees '22 All '22 $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 Red Blue White All Plans Claims per Employee per Month Medical/Rx Claims Paid by Plan and Status -- 2021 Plan Year Actives '21 Retirees '21 All '21 5743457 Enrollment Contributions Claims & Expenses Active Loss Ratio Enrollment Contributions Claims & Expenses Retiree Loss Ratio Enrollment Contributions Total Claims & Expenses Total Loss Ratio All Plans 13,928 $15,175,930 $16,325,595 108% 1,939 $1,702,089 $3,093,377 182% 15,867 $16,878,019 $19,418,972 115% % of Total 88% 90% 84% 12% 10% 16% 100% 100% 100% Red Plan 5,345 $7,219,958 $8,888,116 123% 693 $732,464 $1,657,071 226% 6,038 $7,952,422 $10,545,187 133% % of Total 89% 91% 84% 11% 9% 16% 38% 47% 54% Blue Plan 558 $561,540 $749,593 133% 238 $205,360 $364,794 178% 796 $766,901 $1,114,387 145% % of Total 70% 73% 67% 30% 27% 33% 5% 5% 6% White Plan 8,025 $7,394,431 $6,687,885 90% 1,008 $764,265 $1,071,513 140% 9,033 $8,158,697 $7,759,398 95% % of Total 89% 91% 86% 11% 9% 14% 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 2022 Contributions and Paid Claims by Status and Plan Year-to-date through September 2022 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. $- $2,000,000 $4,000,000 $6,000,000 $8,000,000 $10,000,000 $12,000,000 $14,000,000 $16,000,000 $18,000,000 Jan-22 Feb-22 Mar-22 Apr-22 May-22 Jun-22 Jul-22 Aug-22 Sep-22 Oct-22 Nov-22 Dec-22 $ Year-to-Date Active Contributions vs Claims and Expenses $- $500,000 $1,000,000 $1,500,000 $2,000,000 $2,500,000 $3,000,000 $3,500,000 Jan-22 Feb-22 Mar-22 Apr-22 May-22 Jun-22 Jul-22 Aug-22 Sep-22 Oct-22 Nov-22 Dec-22 $ Year-to-Date Retiree Contributions vs Claims and Expenses Contributions Claims & Expenses 5743457 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-22 148 136 81 226 26 6 10 14 277 117 100 415 Feb-22 145 136 81 223 26 7 10 14 278 115 99 413 Mar-22 141 136 81 222 25 8 10 14 278 111 99 410 Apr-22 144 135 82 223 25 8 10 14 278 110 97 407 May-22 146 132 83 225 28 9 11 14 276 110 96 405 Jun-22 151 134 85 225 28 9 12 15 271 110 96 405 Jul-22 149 133 87 225 29 9 12 15 268 107 94 403 Aug-22 154 137 89 229 33 8 13 16 277 109 93 407 Sep-22 158 140 91 232 32 8 14 16 284 110 91 409 Oct-22 Nov-22 Dec-22 2022 Total 1,336 1,219 760 2,030 252 72 102 132 2,487 999 865 3,674 2022 Avg. 148 135 84 226 28 8 11 15 276 111 96 408 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-22 33 32 5 3 14 13 0 0 47 44 4 9 Feb-22 34 33 5 3 14 12 0 1 48 44 4 11 Mar-22 33 34 5 3 14 12 0 1 48 45 4 13 Apr-22 36 33 5 3 14 12 0 1 47 45 4 15 May-22 37 34 4 3 14 12 0 1 49 44 3 15 Jun-22 37 34 4 3 14 12 0 1 50 44 3 17 Jul-22 37 35 4 3 14 11 0 1 48 47 3 17 Aug-22 37 35 4 3 14 10 0 1 49 47 4 17 Sep-22 36 35 4 4 14 10 0 1 50 48 4 17 Oct-22 Nov-22 Dec-22 2022 Total 320 305 40 28 126 104 0 8 436 408 33 131 2022 Avg. 36 34 4 3 14 12 0 1 48 45 4 15 6 City of Chandler Enrollment by Tier Year-to-date through September 2022 Red Blue White Actives Retirees Red Blue White 5743457 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 City of Chandler Enrollment by Tier Plan Year 2021 Red Blue White 7 Actives Retirees Red Blue White 5743457 4/10/2015 * 8 City of Chandler 2022 Contributions and Expenses by Status and Plan Year-to-date through September 2022 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. $1,351 $1,006 $921 $1,090 $1,663 $1,343 $833 $1,172 ($312) ($337) $88 ($83) -$1,500 -$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) $1,057 $863 $758 $878 $2,391 $1,533 $1,063 $1,595 ($1,334) ($670) ($305) ($718) -$1,500 -$1,000 -$500 $0 $500 $1,000 $1,500 $2,000 $2,500 Red Blue White All Plans $ per Employee per Month Retiree Surplus/(Deficit) by Plan Contributions Claims+Expenses Surplus/(Deficit) 88% 12% Enrollment Active % Retiree % 90% 10% Contributions Active Retiree 84% 16% Claims and Expenses Active Retiree 5743457 Rank Plan Medical/Rx Paid YTD Medical/Rx Paid in Excess of $350K Stop Loss Deductible 1 Red Plan $703,502 $353,502 2 Red Plan $453,244 $103,244 3 White Plan $356,283 $6,283 4 White Plan $295,174 $0 5 Red Plan $294,847 $0 6 Red Plan $236,549 $0 7 Red Plan $232,168 $0 8 Red Plan $204,511 $0 9 White Plan $200,078 $0 10 Red Plan $191,940 $0 11 White Plan $181,458 $0 12 Red Plan $149,108 $0 13 Blue Plan $131,435 $0 14 Red Plan $122,718 $0 15 Red Plan $122,674 $0 16 Red Plan $119,547 $0 17 White Plan $117,984 $0 18 White Plan $116,826 $0 19 Blue Plan $116,685 $0 20 Blue Plan $112,828 $0 21 White Plan $112,191 $0 22 Blue Plan $109,793 $0 23 Red Plan $108,115 $0 24 Red Plan $108,100 $0 25 White Plan $106,409 $0 26 White Plan $105,780 $0 27 Red Plan $104,496 $0 $5,214,443 $463,029 30.6% City of Chandler 2022 Incurred Medical Claims Paid in Excess of $100,000 Year-to-date through September 2022 9 Total of twenty-seven claimants Percentage of Total Medical/Rx Paid: 30.6% 69.4% Large Claims All Other Medical/Rx Claims 5743457 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 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 Jan-22 20,658 $18,842,097 ($1,361,582) $17,480,514 $4,491,084 $21,971,598 $846.19 $217.40 Feb-22 20,716 $18,688,354 ($1,370,965) $17,317,389 $4,351,293 $21,668,682 $835.94 $210.05 Mar-22 20,759 $18,599,010 ($1,467,858) $17,131,152 $4,318,659 $21,449,811 $825.24 $208.04 Apr-22 20,804 $17,892,540 ($1,342,629) $16,549,911 $4,248,338 $20,798,250 $795.52 $204.21 May-22 20,852 $17,256,995 ($1,337,393) $15,919,602 $4,171,528 $20,091,131 $763.46 $200.05 Jun-22 20,890 $17,495,942 ($1,303,057) $16,192,886 $4,212,930 $20,405,815 $775.15 $201.67 Jul-22 20,924 $18,229,093 ($1,273,388) $16,955,705 $4,188,716 $21,144,421 $810.35 $200.19 Aug-22 20,996 $18,725,563 ($1,369,990) $17,355,574 $4,236,868 $21,592,441 $826.61 $201.79 Sep-22 21,087 $19,317,256 ($1,376,623) $17,940,633 $4,216,574 $22,157,206 $850.79 $199.96 Notes: Medical Claims Paid includes capitation. 10 City of Chandler Thirteen Month Snapshot - Medical and Rx Plan Paid Claims Through September 2022 $860 $860 $863 $862 $846 $836 $825 $796 $763 $775 $810 $827 $851 $700 $720 $740 $760 $780 $800 $820 $840 $860 $880 Claims per Employee per Month 12-Month Period Ending Rolling Twelve Month Net Medical Claims PEPM Net Medical Trend -1.1% $224 $226 $222 $221 $217 $210 $208 $204 $200 $202 $200 $202 $200 $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 -10.9% 5743457