Segal Report

5756448v1/00914.015 
 
 
 
Rachel Calisi 
Senior Health Consultant 
T 602.381.4027 
rcalisi@segalco.com 
1501 West Fountainhead Parkway, Suite 370 
Tempe, AZ 85282 
segalco.com 
 
 
February 22, 2023 
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 December 
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, 2022. 
For the month of December, Medical paid claims were approximately $1,927,000 while net Rx 
claims were about $384,000. For the 2022 plan year, claims and expenses (after stop-loss 
reimbursements and pharmacy rebates) exceeded contributions by approximately $2,879,000 
or 12.7% 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 thirty-eight (versus thirty-four in the prior month) claimants with paid claims in 
excess of $100,000 during the reporting period. There are five 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 December 2022, approximately 39.4% of all active employees and retirees were enrolled in 
the Red plan, with 5.2% enrolled in the Blue plan, and 55.4% enrolled in the White plan. At the

Ms. Rae Lynn Nielsen 
February 22, 2023 
Page 2 
 
5756448v1/00914.015 
 
 
 
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 3.4% 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 prior year could 
be significantly different in the current year 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 December 2022)
2/22/2023
Presented by: Rachel Calisi
© 2023 by The Segal Group Inc.
Medical/Rx Monthly Reporting:    
January 2022 - December 2022

Dec'22
Jan'22-Dec'22
Jan'21-Dec'21
Dec'22
Jan'22-Dec'22
Jan'21-Dec'21
Contributions (PEPM)
$1,062.92
$1,063.64
$1,071.86
Avg. # of Employees
1,821
1,774
1,713
Net Paid Medical Claims (PEPM)
$977.19
$847.10
$861.61
Avg. # of Members
4,733
4,651
4,555
Net Paid Rx Claims (PEPM)
$210.85
$201.38
$221.05
Ratio Members to EEs
2.60
2.62
2.66
Total Claims (PEPM)
$1,188.05
$1,048.48
$1,082.66
Age/Gender Index 1
-
0.973
0.980
Stop Loss & Adm Expenses (PEPM)
$148.22
$150.26
$164.05
Total Claims & Expenses (PEPM)
$1,336.27
$1,198.74
$1,246.70
Surplus/Deficit (PEPM)
-$273.35
-$135.10
-$174.84
Loss Ratio
126%
113%
116%
PEPM % Change
11.5%
-3.8%
Jan'22-Dec'22
Jan'21-Dec'21
% Change
# of Claimants
38
28
35.7%
$ of Medical/Rx Paid Claims
$7,813,002
$7,006,649
11.5%
% of Medical/Rx Paid Claims
33.3%
30.0%
11.0%
Jan'22-Dec'22
Jan'21-Dec'21
% Change
Jan'22-Dec'22
Jan'21-Dec'21
% Change
Bed Days/1,000
329.9
308.9
6.8%
Generic (PEPM)
$29.53
$31.55
-6.4%
Avg Length of Stay
6.5
6.5
-0.7%
Brand Preferred (PEPM)
$227.47
$222.65
2.2%
Brand Non-Preferred (PEPM)
$13.40
$11.65
15.1%
Specialty (PEPM)
$106.53
$135.37
-21.3%
Total (PEPM)
$376.94
$401.22
-6.1%
Jan'22-Dec'22
Jan'21-Dec'21
% Change
Jan'22-Dec'22
Jan'21-Dec'21
% Change
In-Network Allowed %
97.3%
97.1%
0.2%
Retail Scripts PMPY
14.19
13.99
1.4%
Discount from Billed5
66.4%
67.2%
-1.3%
Mail Order Scripts PMPY
0.26
0.14
84.5%
% Mail Order
1.8%
1.0%
80.5%
Jan'22-Dec'22
Jan'21-Dec'21
% Change
Generic Dispensing Rate
82.2%
81.1%
1.3%
Jan'22-Dec'22
Jan'21-Dec'21
% Change
Generic Plan Paid/Script
$9.41
$10.18
-7.6%
Member Cost Share %
13.4%
13.4%
0.5%
Brand Plan Paid/Script
$368.71
$341.02
8.1%
Plan Paid %
86.6%
86.6%
-0.1%
Specialty Plan Paid/Script
$3,940.46
$4,062.97
-3.0%
Total Plan Paid/Script
$98.71
$105.02
-6.0%
Inpatient Hospital
City of Chandler
HealthPlan Dashboard - Data thru December 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.                                                                                                                                                                                                                                                                                                                 
5750810
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
1,809
$1,924,393
$1,704,342
($119,102)
$466,946
$2,052,187
$287,650
$2,339,837
($415,444)
121.6%
Nov-22
1,815
$1,930,281
$1,721,274
($226,115)
$416,835
$1,911,995
$269,335
$2,181,330
($251,049)
113.0%
Dec-22
1,821
$1,935,584
$1,927,357
($147,886)
$383,966
$2,163,436
$269,916
$2,433,353
($497,769)
125.7%
2022 Total
21,312
$22,668,277
$19,372,376
($1,319,006)
$4,291,893
$22,345,263
$3,202,325
$25,547,588
($2,879,311)
112.7%
2022 Avg.
1,776
$1,889,023
$1,614,365
($109,917)
$357,658
$1,862,105
$266,860
$2,128,966
($239,943)
112.7%
2
City of Chandler
2021-2022 Medical/Rx Contributions and Expenses
Year-to-date through December 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.
(5) 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 
$20,932,906 
$23,114,235 
$25,547,588 
$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
5750810

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
625
68
894
1,587
79
24
119
222
704
92
1,013
1,809
Nov-22
635
70
891
1,596
77
24
118
219
712
94
1,009
1,815
Dec-22
639
71
892
1,602
78
23
118
219
717
94
1,010
1,821
2022 Avg.
604
64
892
1,559
77
26
114
217
681
90
1,005
1,776
% of Total
34%
4%
50%
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%
27%
2%
2%
14%
-7%
16%
12%
2%
15%
3%
3%
3
City of Chandler
2022 Enrollment by Status and Plan
Year-to-date through December 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
5750810

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 December 2022
$1,494 
$1,158 
$727 
$1,041 
$2,343 
$1,523 
$1,127 
$1,608 
$1,590 
$1,263 
$772 
$1,110 
$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
5750810

Enrollment Contributions
Claims & 
Expenses
Active 
Loss Ratio Enrollment Contributions
Claims & 
Expenses
Retiree 
Loss Ratio Enrollment Contributions
Total Claims 
& Expenses
Total Loss 
Ratio
All Plans
18,713
$20,389,123
$22,297,232
109%
2,599
$2,279,154
$4,569,362
200%
21,312
$22,668,277
$26,866,594
119%
% of Total
88%
90%
83%
12%
10%
17%
100%
100%
100%
Red Plan
7,244
$9,771,959
$11,908,158
122%
927
$978,301
$2,310,974
236%
8,171
$10,750,260
$14,219,133
132%
% of Total
89%
91%
84%
11%
9%
16%
38%
47%
53%
Blue Plan
767
$773,078
$1,003,098
130%
309
$266,746
$517,071
194%
1,076
$1,039,823
$1,520,169
146%
% of Total
71%
74%
66%
29%
26%
34%
5%
5%
6%
White Plan
10,702
$9,844,086
$9,385,975
95%
1,363
$1,034,108
$1,741,318
168%
12,065
$10,878,194
$11,127,293
102%
% of Total
89%
90%
84%
11%
10%
16%
57%
48%
41%
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 December 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.                             
 $-
 $5,000,000
 $10,000,000
 $15,000,000
 $20,000,000
 $25,000,000
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
 $-
 $1,000,000
 $2,000,000
 $3,000,000
 $4,000,000
 $5,000,000
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
Retiree Contributions vs Claims and Expenses 
 Contributions
 Claims & Expenses
5750810

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
163
132
90
240
29
8
15
16
292
107
89
406
Nov-22
168
133
91
243
31
8
15
16
292
105
89
405
Dec-22
173
133
91
242
32
7
15
17
291
105
90
406
2022 Total
1,840
1,617
1,032
2,755
344
95
147
181
3,362
1,316
1,133
4,891
2022 Avg.
153
135
86
230
29
8
12
15
280
110
94
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
37
35
4
3
13
10
0
1
51
48
3
17
Nov-22
37
33
4
3
13
10
0
1
52
46
4
16
Dec-22
38
32
4
4
12
10
0
1
52
46
4
16
2022 Total
432
405
52
38
164
134
0
11
591
548
44
180
2022 Avg.
36
34
4
3
14
11
0
1
49
46
4
15
6
City of Chandler
Enrollment by Tier
Year-to-date through December 2022
 Red
 Blue
 White
Actives
Retirees
Red
Blue
White
5750810

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
5750810

4/10/2015
*
8
City of Chandler
2022 Contributions and Expenses by Status and Plan
Year-to-date through December 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.
$1,349 
$1,008 
$920 
$1,090 
$1,644 
$1,308 
$877 
$1,192 
($295)
($300)
$43 
($102)
-$2,000
-$1,500
-$1,000
-$500
$0
$500
$1,000
$1,500
$2,000
$2,500
$3,000
Red
Blue
White
All Plans
$ per Employee per Month
Active Surplus/(Deficit) by Plan
Contributions
Claims+Expenses
Surplus/(Deficit)
$1,055 
$863 
$759 
$877 
$2,493 
$1,673 
$1,278 
$1,758 
($1,438)
($810)
($519)
($881)
-$2,000
-$1,500
-$1,000
-$500
$0
$500
$1,000
$1,500
$2,000
$2,500
$3,000
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
83%
17%
Claims and Expenses
Active
Retiree
5750810

Rank
Plan
Medical/Rx Paid YTD
Medical/Rx Paid in Excess of 
$350K Stop Loss Deductible
1
Red Plan
$920,295
$570,295
2
White Plan
$494,686
$144,686
3
Red Plan
$453,244
$103,244
4
Red Plan
$426,470
$76,470
5
White Plan
$400,325
$50,325
6
Red Plan
$348,793
$0
7
Red Plan
$316,050
$0
8
Red Plan
$232,172
$0
9
Blue Plan
$218,653
$0
10
White Plan
$211,351
$0
11
Red Plan
$205,354
$0
12
Red Plan
$186,125
$0
13
White Plan
$181,621
$0
14
White Plan
$171,380
$0
15
Red Plan
$163,462
$0
16
White Plan
$160,176
$0
17
White Plan
$146,276
$0
18
White Plan
$143,222
$0
19
Blue Plan
$141,039
$0
20
White Plan
$139,518
$0
21
Red Plan
$135,885
$0
22
Red Plan
$134,007
$0
23
White Plan
$132,170
$0
24
Blue Plan
$129,927
$0
25
White Plan
$129,134
$0
26
Red Plan
$124,616
$0
27
Red Plan
$123,379
$0
28
White Plan
$120,422
$0
29
White Plan
$120,179
$0
30
Blue Plan
$116,685
$0
31
Red Plan
$115,082
$0
32
Red Plan
$114,998
$0
33
Blue Plan
$114,276
$0
34
White Plan
$112,191
$0
35
White Plan
$110,861
$0
36
White Plan
$109,095
$0
37
Red Plan
$107,554
$0
38
White Plan
$102,330
$0
$7,813,002
$945,019
33.0%
City of Chandler
2022 Incurred Medical Claims Paid in Excess of $100,000
Year-to-date through December 2022
9
Total of thirty-four claimants
Percentage of Total Medical/Rx Paid:
33.0%
67.0%
Large Claims
All Other Medical/Rx Claims
5750810

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-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
Oct-22
21,163
$19,420,783
($1,375,851)
$18,044,932
$4,260,514
$22,305,446
$852.66
$201.32
Nov-22
21,243
$19,475,389
($1,417,669)
$18,057,719
$4,332,196
$22,389,915
$850.06
$203.94
Dec-22
21,312
$19,372,376
($1,319,006)
$18,053,370
$4,291,893
$22,345,263
$847.10
$201.38
Notes:
Medical Claims Paid includes capitation. 
10
City of Chandler
Thirteen Month Snapshot - Medical and Rx Plan Paid Claims Through December 2022
$862
$846
$836
$825
$796
$763
$775
$810
$827
$851
$853
$850
$847
$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 -1.7%
$221 $217
$210 $208 $204 $200 $202 $200 $202 $200 $201 $204 $201
$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 -8.9%
5750810