Segal Report

Rachel Calisi, GBDS, CEBS 
Senior Health Consultant 
T 602.381.4027 
M 480.490.7306 
rcalisi@segalco.com 
1501 West Fountainhead Parkway 
Suite 370 
Tempe, AZ 85282-1936 
segalco.com 
 
 
 
5966186v1/00914.015 
 
 
 
October 30, 2025 
Fernanda Acurio 
Human Resources Manager 
City of Chandler  
PO Box 4008   
Chandler, AZ 85244-4008 
 
Re:   City of Chandler  
  Medical and Prescription Drug Plan Monthly Reporting 
  January 1, 2025 through December 31, 2025 – Data through September 
Dear Fernanda:  
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, 2025. 
For the month of September, Medical paid claims were approximately $2,659,000 while net Rx 
claims were about $650,600. For the 2025 plan year to date, claims and expenses (after stop-
loss reimbursements and pharmacy rebates) exceeded contributions by approximately 
$5,683,000 or 25.6% of contributions. Based on paid claims and expenses, Actives and 
Retirees on the Red Plan, Blue Plan, and White Plan experienced an operating deficit, as 
displayed on Page 8. 
There are thirty-eight claimants with paid claims in excess of $100,000 during the reporting 
period. There are two claimants in the current plan year to date 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, out-of-network shared 
savings costs, HSA administration, and fees associated with the Affordable Care Act. Also 
included is the amount of $126,692 per month from the estimated 2025 Operating Budget. 
These expenses exclude those funded by Blue Cross Blue Shield of Arizona. These expenses 
include categories such as wellness incentives, personnel support, audit & financial services, 
promotional, operating supplies & equipment, bank charges, contractual services, and health 
savings and flex account contributions.   
In September 2025, approximately 37.0% of all active employees and retirees were enrolled in 
the Red plan, with 5.2% enrolled in the Blue plan, and 57.8% enrolled in the White plan. The 
average total enrollment in 2025 is approximately 0.8% higher than the 2024 average 
enrollment.

Fernanda Acurio 
October 30, 2025 
Page 2 
 
5966186v1/00914.015 
 
This document has been prepared for the exclusive use and benefit of the City of Chandler, 
based upon information provided by you and your other service providers or otherwise made 
available to Segal at the time this document was created. Segal makes no representation or 
warranty as to the accuracy of any forward-looking statements and does not guarantee any 
particular outcome or result. Except as required by law or required for the Client’s proper 
administration, this document should not be copied, reproduced, or shared with other parties 
without Segal’s consent and, in such instances, should only be shared in its entirety. This 
document does not constitute legal, tax or investment advice or create or imply a fiduciary 
relationship. You are encouraged to discuss any issues raised with your legal, tax and other 
advisors before taking, or refraining from taking, any action. 
I look forward to discussing this report with you. 
Sincerely yours, 
Rachel Calisi, GBDS, CEBS 
Senior Health Consultant

City of Chandler
(Data Through September 2025)
10/30/2025
Presented by: Rachel Calisi
© 2025 by The Segal Group Inc.
Medical/Rx Monthly Reporting:    
January 2025 - December 2025

Sep'25
Jan'25-Sep'25
Jan'24-Dec'24
Sep'25
Jan'25-Sep'25
Jan'24-Dec'24
Contributions (PEPM)
$1,308.06
$1,307.47
$1,218.43
Avg. # of Employees
1,893
1,885
1,871
Net Paid Medical Claims (PEPM)
$1,403.72
$1,172.06
$868.80
Avg. # of Members
4,822
4,803
4,732
Net Paid Rx Claims (PEPM)
$343.71
$245.54
$257.63
Ratio Members to EEs
2.55
2.55
2.53
Total Claims (PEPM)
$1,747.43
$1,417.61
$1,126.42
Age/Gender Index 1
-
0.942
0.944
Stop Loss & Adm Expenses (PEPM)
$217.42
$224.84
$212.71
Total Claims & Expenses (PEPM)
$1,964.86
$1,642.44
$1,339.13
Surplus/Deficit (PEPM)
-$656.80
-$334.97
-$120.70
Loss Ratio
150%
126%
110%
PEPM % Change
19.6%
22.6%
Jan'25-Sep'25
Jan'24-Sep'24
% Change
# of Claimants
38
30
26.7%
$ of Medical/Rx Paid Claims
$6,636,477
$5,213,159
27.3%
% of Medical/Rx Paid Claims
27.0%
26.2%
2.8%
Jan'25-Sep'25
Jan'24-Dec'24
% Change
Jan'25-Sep'25
Jan'24-Dec'24
% Change
Bed Days/1,000
237.9
234.0
1.7%
Generic (PEPM)
$20.25
$23.34
-13.2%
Avg Length of Stay
4.5
5.3
-16.5%
Brand Preferred (PEPM)
$211.66
$196.82
7.5%
Brand Non-Preferred (PEPM)
$11.04
$20.70
-46.7%
Specialty (PEPM)
$273.69
$278.25
-1.6%
Total (PEPM)
$516.64
$519.10
-0.5%
Jan'25-Sep'25
Jan'24-Dec'24
% Change
Jan'25-Sep'25
Jan'24-Dec'24
% Change
In-Network Allowed %
97.0%
96.2%
0.8%
Retail Scripts PMPY
10.83
11.00
-1.5%
Discount from Billed5
66.0%
68.2%
-3.2%
Mail Order Scripts PMPY
0.43
0.39
8.3%
% Mail Order
3.8%
3.5%
9.6%
Jan'25-Sep'25
Jan'24-Dec'24
% Change
Generic Dispensing Rate
83.4%
83.4%
0.0%
Jan'25-Sep'25
Jan'24-Dec'24
% Change
Generic Plan Paid/Script
$8.42
$9.86
-14.6%
Member Cost Share %
14.6%
14.7%
-0.5%
Brand Plan Paid/Script
$510.21
$499.13
2.2%
Plan Paid %
85.4%
85.3%
0.1%
Specialty Plan Paid/Script
$6,366.04
$7,541.56
-15.6%
Total Plan Paid/Script
$179.11
$182.82
-2.0%
Inpatient Hospital
City of Chandler
HealthPlan Dashboard - Data thru September 2025
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.                                                                                                                                                                                                   
5965998
Financial
Prescription Drugs (Rx)
Enrollment
Medical Utilization
Medical Network
Medical/Rx Plan Design

Month
Enrollment
Contributions1
Medical Paid2,3
Stop Loss Refunds
Rx Paid
Rx Rebates
Net Claims
Expenses4
Total Paid Claims 
and Expenses
Surplus/
(Deficit)
Total Loss 
Ratio
Jan-24
1,837
$2,255,077
$2,391,086
($121,423)
$410,269
$0
$2,679,932
$327,895
$3,007,827
($752,750)
133.4%
Feb-24
1,871
$2,282,167
$1,181,504
($92,637)
$432,642
$0
$1,521,510
$386,675
$1,908,185
$373,982
83.6%
Mar-24
1,866
$2,276,847
$1,419,172
($20,165)
$414,950
$0
$1,813,957
$395,792
$2,209,748
$67,098
97.1%
Apr-24
1,861
$2,267,739
$1,725,393
($8,572)
$409,060
$0
$2,125,881
$428,808
$2,554,689
($286,950)
112.7%
May-24
1,867
$2,269,373
$1,793,138
$0
$543,123
$0
$2,336,261
$393,110
$2,729,371
($459,998)
120.3%
Jun-24
1,866
$2,268,861
$1,764,187
($1,853)
$591,275
$0
$2,353,608
$390,143
$2,743,751
($474,890)
120.9%
Jul-24
1,879
$2,282,875
$1,783,173
($67,503)
$560,440
$0
$2,276,109
$428,029
$2,704,139
($421,264)
118.5%
Aug-24
1,879
$2,285,642
$1,861,896
($2,003)
$565,136
$0
$2,425,029
$401,274
$2,826,303
($540,662)
123.7%
Sep-24
1,873
$2,282,149
$1,649,463
($477)
$515,968
$0
$2,164,953
$411,554
$2,576,508
($294,358)
112.9%
Oct-24
1,881
$2,290,288
$1,446,977
($18)
$526,203
$0
$1,973,162
$394,475
$2,367,637
($77,349)
103.4%
Nov-24
1,880
$2,290,795
$1,219,703
$0
$586,109
($319,040)
$1,486,772
$409,738
$1,896,510
$394,285
82.8%
Dec-24
1,886
$2,297,060
$1,620,147
($40,176)
$546,539
$0
$2,126,510
$406,916
$2,533,427
($236,367)
110.3%
2024 Total
22,446
$27,348,873
$19,855,837
($354,825)
$6,101,713
($319,040)
$25,283,685
$4,774,410
$30,058,094
($2,709,222)
109.9%
2024 Avg.
1,871
$2,279,073
$1,654,653
($29,569)
$508,476
($26,587)
$2,106,974
$397,867
$2,504,841
($225,768)
109.9%
Jan-25
1,888
$2,466,316
$1,305,024
($24,025)
$445,129
$0
$1,726,127
$421,069
$2,147,196
$319,120
87.1%
Feb-25
1,889
$2,464,063
$1,597,614
($883)
$458,094
($176,701)
$1,878,125
$425,653
$2,303,778
$160,285
93.5%
Mar-25
1,887
$2,467,113
$2,482,351
($897)
$379,806
$0
$2,861,261
$431,167
$3,292,428
($825,315)
133.5%
Apr-25
1,884
$2,462,603
$2,248,996
($44,893)
$575,693
$0
$2,779,796
$430,134
$3,209,930
($747,327)
130.3%
May-25
1,872
$2,448,781
$2,424,209
($240)
$486,142
($172,934)
$2,737,178
$431,535
$3,168,712
($719,931)
129.4%
Jun-25
1,876
$2,453,603
$2,005,554
($411)
$600,164
$0
$2,605,307
$402,268
$3,007,575
($553,972)
122.6%
Jul-25
1,883
$2,463,715
$2,865,701
($26)
$580,271
$0
$3,445,946
$415,065
$3,861,012
($1,397,296)
156.7%
Aug-25
1,894
$2,480,233
$2,468,819
($98,917)
$525,941
($186,362)
$2,709,481
$446,077
$3,155,558
($675,325)
127.2%
Sep-25
1,893
$2,476,154
$2,658,890
($1,648)
$650,647
$0
$3,307,889
$411,584
$3,719,473
($1,243,319)
150.2%
Oct-25
Nov-25
Dec-25
2025 Total
16,966
$22,182,580
$20,057,159
($171,939)
$4,701,888
($535,997)
$24,051,110
$3,814,552
$27,865,662
($5,683,082)
125.6%
2025 Avg.
1,885
$2,464,731
$2,228,573
($19,104)
$522,432
($59,555)
$2,672,346
$423,839
$3,096,185
($631,454)
125.6%
2
City of Chandler
2024-2025 Medical/Rx Contributions and Expenses
Year-to-date through September 2025
(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.
$2,147,196 
$4,450,974 
$7,743,402 
$10,953,332 
$14,122,044 
$17,129,619 
$20,990,631 
$24,146,189 
$27,865,662 
$3,007,827 
$4,916,012 
$7,125,760 
$9,680,449 
$12,409,819 
$15,153,571 
$17,857,709 
$20,684,013 
$23,260,520 
$25,628,157 
$27,524,668 
$30,058,094 
 $-
 $5,000,000
 $10,000,000
 $15,000,000
 $20,000,000
 $25,000,000
 $30,000,000
 $35,000,000
Jan.
Feb.
Mar.
Apr.
May
Jun.
Jul.
Aug.
Sept.
Oct.
Nov.
Dec.
2025 vs 2024 Cumulative Paid Claims & Expenses
2025 Cumulative Claims & Expenses
2024 Cumulative Claims & Expenses
5965998

Red
Blue
White
Total
Red
Blue
White
Total
Red
Blue
White
Total
Jan-25
638
75
964
1,677
62
20
129
211
700
95
1,093
1,888
Feb-25
637
77
962
1,676
64
20
129
213
701
97
1,091
1,889
Mar-25
638
77
961
1,676
63
20
128
211
701
97
1,089
1,887
Apr-25
630
77
958
1,665
66
20
133
219
696
97
1,091
1,884
May-25
625
77
953
1,655
66
20
131
217
691
97
1,084
1,872
Jun-25
630
78
948
1,656
67
20
133
220
697
98
1,081
1,876
Jul-25
632
78
950
1,660
67
21
135
223
699
99
1,085
1,883
Aug-25
631
77
955
1,663
71
21
139
231
702
98
1,094
1,894
Sep-25
627
78
952
1,657
73
21
142
236
700
99
1,094
1,893
Oct-25
Nov-25
Dec-25
2025 Avg.
632
77
956
1,665
67
20
133
220
699
97
1,089
1,885
% of Total
34%
4%
51%
88%
4%
1%
7%
12%
37%
5%
58%
100%
2024 Avg.
660
75
915
1,650
71
21
129
221
730
96
1,044
1,871
% Change
-4.2%
2.2%
4.5%
0.9%
-5.6%
-3.2%
3.0%
-0.3%
-4.3%
1.1%
4.3%
0.8%
3
City of Chandler
2025 Enrollment by Status and Plan
Year-to-date through September 2025
TOTAL
ACTIVE
RETIREE
0
500
1,000
1,500
Jan-25
Feb-25
Mar-25
Apr-25
May-25
Jun-25
Jul-25
Aug-25
Sep-25
Oct-25
Nov-25
Dec-25
Active Enrollment by Plan 
ACTIVE Red
ACTIVE Blue
ACTIVE White
0
50
100
150
Jan-25
Feb-25
Mar-25
Apr-25
May-25
Jun-25
Jul-25
Aug-25
Sep-25
Oct-25
Nov-25
Dec-25
Retiree Enrollment by Plan
RETIREE Red
RETIREE Blue
RETIREE White
5965998

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
2025 Medical/Rx Paid Claims by Plan and Status
Year-to-date through September 2025
$1,849 
$1,176 
$1,084 
$1,379 
$2,682 
$898 
$1,941 
$2,069 
$1,929 
$1,118 
$1,189 
$1,459 
$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 -- 2025 Plan Year
Actives '25
Retirees '25
All '25
$1,563 
$1,384 
$740 
$1,099 
$2,064 
$1,544 
$1,337 
$1,589 
$1,611 
$1,419 
$814 
$1,156 
$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 -- 2024 Plan Year
Actives '24
Retirees '24
All '24
5965998

Enrollment
Contributions
Claims & 
Expenses
Active 
Loss Ratio Enrollment Contributions
Claims & 
Expenses
Retiree 
Loss Ratio Enrollment Contributions
Total Claims 
& Expenses
Total Loss 
Ratio
All Plans
14,985
$20,029,367
$24,030,278
120%
1,981
$2,153,214
$4,543,320
211%
16,966
$22,182,580
$28,573,598
129%
% of Total
88%
90%
84%
12%
10%
16%
100%
100%
100%
Red Plan
5,688
$9,412,611
$11,798,872
125%
599
$816,232
$1,741,045
213%
6,287
$10,228,843
$13,539,917
132%
% of Total
90%
92%
87%
10%
8%
13%
37%
46%
47%
Blue Plan
694
$844,712
$971,703
115%
183
$195,957
$205,440
105%
877
$1,040,670
$1,177,143
113%
% of Total
79%
81%
83%
21%
19%
17%
5%
5%
4%
White Plan
8,603
$9,772,044
$11,259,702
115%
1,199
$1,141,024
$2,596,836
228%
9,802
$10,913,068
$13,856,538
127%
% of Total
88%
90%
81%
12%
10%
19%
58%
49%
48%
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 and prescription drug rebates.  
City of Chandler
2025 Contributions and Paid Claims by Status and Plan
Year-to-date through September 2025
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-25
Feb-25
Mar-25
Apr-25
May-25
Jun-25
Jul-25
Aug-25
Sep-25
Oct-25
Nov-25
Dec-25
$ 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-25
Feb-25
Mar-25
Apr-25
May-25
Jun-25
Jul-25
Aug-25
Sep-25
Oct-25
Nov-25
Dec-25
$ Year-to-Date
Retiree Contributions vs Claims and Expenses 
 Contributions
 Claims & Expenses
5965998

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-25
186
146
89
217
38
9
11
17
329
106
103
426
Feb-25
186
145
91
215
40
9
11
17
332
104
103
423
Mar-25
186
143
90
219
39
10
11
17
332
104
101
424
Apr-25
182
141
88
219
40
9
11
17
331
105
101
421
May-25
179
136
89
221
41
9
10
17
329
105
102
417
Jun-25
181
135
90
224
42
10
10
16
327
108
102
411
Jul-25
184
132
91
225
41
10
10
17
323
108
105
414
Aug-25
183
128
92
228
40
9
10
18
325
112
105
413
Sep-25
179
127
93
228
41
9
10
18
326
110
106
410
Oct-25
Nov-25
Dec-25
2025 Total
1,646
1,233
813
1,996
362
84
94
154
2,954
962
928
3,759
2025 Avg.
183
137
90
222
40
9
10
17
328
107
103
418
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-25
25
29
5
3
11
7
1
1
65
40
7
17
Feb-25
27
28
5
4
11
7
1
1
63
40
7
19
Mar-25
27
27
5
4
12
6
1
1
61
40
7
20
Apr-25
28
29
5
4
11
7
1
1
63
41
7
22
May-25
28
29
5
4
11
7
1
1
62
40
7
22
Jun-25
28
30
6
3
11
7
1
1
62
41
7
23
Jul-25
28
30
6
3
12
7
1
1
64
41
7
23
Aug-25
29
33
6
3
12
7
1
1
64
42
7
26
Sep-25
31
32
7
3
12
7
1
1
65
43
8
26
Oct-25
Nov-25
Dec-25
2025 Total
251
267
50
31
103
62
9
9
569
368
64
198
2025 Avg.
28
30
6
3
11
7
1
1
63
41
7
22
6
City of Chandler
Enrollment by Tier
Year-to-date through September 2025
 Red
 Blue
 White
Actives
Retirees
Red
Blue
White
5965998

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-24
181
148
95
233
37
4
16
17
292
101
93
395
Feb-24
185
147
100
229
37
4
17
18
310
104
94
399
Mar-24
188
149
99
228
36
4
17
18
309
102
93
399
Apr-24
190
146
101
226
34
5
18
18
310
100
93
397
May-24
190
144
100
225
34
5
19
17
315
106
94
396
Jun-24
184
142
100
228
34
5
19
17
321
104
95
397
Jul-24
191
144
100
227
34
5
18
17
321
105
99
400
Aug-24
190
141
98
227
33
5
18
17
321
105
99
405
Sep-24
193
142
98
227
32
5
18
17
317
105
97
404
Oct-24
194
142
100
225
35
5
18
19
320
99
97
407
Nov-24
189
142
100
227
36
5
18
19
323
100
97
408
Dec-24
193
141
99
229
37
6
19
19
323
101
97
405
2024 Total
2,268
1,728
1,190
2,731
419
58
215
213
3,782
1,232
1,148
4,812
2024 Avg.
189
144
99
228
35
5
18
18
315
103
96
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-24
35
30
4
2
13
8
0
1
65
42
7
18
Feb-24
35
29
4
3
12
8
0
1
65
44
7
19
Mar-24
33
29
4
3
12
8
0
1
65
44
7
18
Apr-24
33
30
4
3
13
7
0
1
65
43
7
17
May-24
33
30
4
3
12
7
0
1
65
41
7
19
Jun-24
34
30
4
3
12
7
0
1
64
41
7
17
Jul-24
33
30
5
3
12
7
1
1
62
40
7
17
Aug-24
32
32
6
3
12
7
1
2
62
39
7
17
Sep-24
31
31
6
3
11
7
1
2
61
40
7
18
Oct-24
30
31
6
4
11
7
1
2
62
41
7
18
Nov-24
28
30
6
4
12
6
1
2
61
41
7
18
Dec-24
29
31
6
4
12
6
1
2
60
41
8
17
2024 Total
386
363
59
38
144
85
6
17
757
497
85
213
2024 Avg.
32
30
5
3
12
7
1
1
63
41
7
18
City of Chandler
Enrollment by Tier
Plan Year 2024
 Red
 Blue
 White
7
Actives
Retirees
Red
Blue
White
5965998

4/10/2015
*
8
City of Chandler
2025 Contributions and Expenses by Status and Plan
Year-to-date through September 2025
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.
$1,655 
$1,217 
$1,136 
$1,337 
$2,074 
$1,400 
$1,309 
$1,604 
($420)
($183)
($173)
($267)
-$3,000
-$2,000
-$1,000
$0
$1,000
$2,000
$3,000
$4,000
Red
Blue
White
All Plans
$ per Employee per Month
Active Surplus/(Deficit) by Plan
Contributions
Claims+Expenses
Surplus/(Deficit)
$1,363 
$1,071 
$952 
$1,087 
$2,907 
$1,123 
$2,166 
$2,293 
($1,544)
($52)
($1,214)
($1,207)
-$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)
88%
12%
Enrollment
Active %
Retiree %
90%
10%
Contributions
Active
Retiree
84%
16%
Claims and Expenses
Active
Retiree
5965998

Rank
Plan
Medical/Rx Paid YTD
Medical/Rx Paid in Excess of 
$350K Stop Loss Deductible
1
White Plan
$449,341
$99,341
2
White Plan
$351,151
$1,151
3
Red Plan
$277,394
$0
4
White Plan
$266,623
$0
5
Red Plan
$263,607
$0
6
White Plan
$252,047
$0
7
Red Plan
$249,859
$0
8
Red Plan
$245,521
$0
9
White Plan
$241,379
$0
10
Red Plan
$212,561
$0
11
White Plan
$192,012
$0
12
White Plan
$182,293
$0
13
Red Plan
$177,132
$0
14
White Plan
$177,116
$0
15
Red Plan
$176,998
$0
16
Red Plan
$174,076
$0
17
White Plan
$167,751
$0
18
White Plan
$162,324
$0
19
Red Plan
$152,746
$0
20
Red Plan
$150,643
$0
21
Blue Plan
$144,751
$0
22
White Plan
$143,970
$0
23
Red Plan
$139,813
$0
24
White Plan
$131,927
$0
25
White Plan
$126,400
$0
26
Red Plan
$122,036
$0
27
White Plan
$120,521
$0
28
Red Plan
$116,535
$0
29
Red Plan
$113,915
$0
30
Red Plan
$111,573
$0
31
Red Plan
$111,134
$0
32
Blue Plan
$108,193
$0
33
White Plan
$105,797
$0
34
White Plan
$105,724
$0
35
White Plan
$105,486
$0
36
Red Plan
$102,557
$0
37
White Plan
$101,973
$0
38
Red Plan
$101,597
$0
$6,636,477
$100,492
26.8%
City of Chandler
2025 Incurred Medical Claims Paid in Excess of $100,000
Year-to-date through September 2025
9
Total of thirty-eight claimants
Percentage of Total Medical/Rx Paid:
26.8%
73.2%
Large Claims
All Other Medical/Rx
Claims
5965998

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-24
22,310
$21,130,907
($800,784)
$20,330,123
$5,967,068
$26,297,191
$911.26
$267.46
Oct-24
22,357
$20,641,305
($637,894)
$20,003,411
$5,990,466
$25,993,877
$894.73
$267.95
Nov-24
22,402
$19,923,145
($532,383)
$19,390,762
$6,039,793
$25,430,555
$865.58
$269.61
Dec-24
22,446
$19,855,837
($354,825)
$19,501,011
$6,101,713
$25,602,725
$868.80
$271.84
Jan-25
22,497
$18,769,775
($257,428)
$18,512,346
$6,136,573
$24,648,920
$822.88
$272.77
Feb-25
22,515
$19,185,885
($165,674)
$19,020,211
$6,162,025
$25,182,236
$844.78
$273.69
Mar-25
22,536
$20,249,064
($146,406)
$20,102,659
$6,126,881
$26,229,540
$892.02
$271.87
Apr-25
22,559
$20,772,667
($182,727)
$20,589,940
$6,293,515
$26,883,455
$912.72
$278.98
May-25
22,564
$21,403,739
($182,967)
$21,220,772
$6,236,534
$27,457,306
$940.47
$276.39
Jun-25
22,574
$21,645,106
($181,524)
$21,463,582
$6,245,423
$27,709,005
$950.81
$276.66
Jul-25
22,578
$22,727,635
($114,048)
$22,613,587
$6,265,255
$28,878,842
$1,001.58
$277.49
Aug-25
22,593
$23,334,558
($210,962)
$23,123,596
$6,226,059
$29,349,655
$1,023.48
$275.57
Sep-25
22,613
$24,343,986
($212,133)
$24,131,853
$6,360,738
$30,492,591
$1,067.17
$281.29
Notes:
Medical Claims Paid includes capitation. 
10
City of Chandler
Thirteen Month Snapshot - Medical and Rx Plan Paid Claims Through September 2025
$911
$895
$866
$869
$823
$845
$892
$913
$940
$951
$1,002
$1,023
$1,067
$750
$800
$850
$900
$950
$1,000
$1,050
$1,100
Claims per Employee per Month
12-Month Period Ending
Rolling Twelve Month Net Medical Claims PEPM
Net Medical Trend 17.1%
$267 $268 $270 $272 $273 $274 $272
$279 $276 $277 $277 $276
$281
$230
$240
$250
$260
$270
$280
$290
Claims per Employee per Month
12-Month Period Ending
Rolling Twelve Month Rx Claims PEPM
Rx Trend 5.2%
5965998