赶紧鼠标点击进来学习，请重视起来我们的文章——SOA往年北美精算师真题课程—November2002Course8M（三）。
　　8. (10 points) You are an underwriter at Wonderful Life and have been given the following
　　information:
　　?  Tables BI with the following assumptions:
　　?  The experience shown is for July 1, 2000 to June 30, 2001
　　?  Amount of claims greater than $50,000 totals $540,000
　　?  Tables MM-2
　　?  Table MM-3a
　　(a) (3 points) Calculate the retrospective refunds for Group 4 and for Group 5. Show
　　your work.
　　(b) (5 points) Wonderful Life is quoting its most popular $250 deductible plan to
　　Bailey Industries for a March 1, 2002 effective date. Assume the quote will cover
　　existing PPO employees with a fully insured plan and that quoted benefits are the
　　same as their current plan. Calculate the composite, employee only, and
　　employee plus dependent rates. Show your work.
　　(c) (2 points) Explain considerations in using past experience data for projecting
　　future experience.
　　COURSE 8: Fall 2002 -8- STOP
　　Managed Care Segment
　　Morning Session
 
　　9. (3 points) Your consulting firm is hosting a roundtable breakfast for business leaders.
　　The topic of your presentation is “Recent Managed Care Trends Affecting Employers.”
　　Most attendees will be large, local employers.
　　(a) Describe general considerations related to this topic affecting all employers.
　　(b) Describe other relevant factors specific to the size of the employer.
　　**END OF EXAMINATION**
　　MORNING SESSION
　　COURSE 8: Fall 2002 -9- GO ON TO NEXT PAGE
　　Managed Care Segment
　　Afternoon Session
　　**BEGINNING OF EXAMINATION 8**
　　MANAGED CARE SEGMENT
　　AFTERNOON SESSION
　　Beginning With Question 10
 
　　10. (4 points) Senator Ima Crook from Anystate, USA has proposed a bill requiring
　　Medicare to provide a prescription drug benefit.
　　This plan would be separate from medical benefits and would be the primary plan for
　　purposes of coordination of benefits.
　　The plan would offer the following benefits:
　　?  90% of generic drugs after a $50 annual deductible.
　　?  80% of brand drugs after a $100 annual deductible.
　　?  Unlimited annual benefit.
　　ACME Widget Company currently pays the entire cost of a retiree prescription drug plan
　　with the following copayments per prescription:
　　?  $10 on generic drugs
　　?  $20 on brand drugs
　　Jill Pill is a retiree of ACME anticipating the following monthly drug usage:
　　Number of
　　Prescriptions
　　Average
　　Cost/Prescription
　　Generic 5 $20
　　Brand 5 $100
　　If this bill is adopted:
　　(a) Describe the different coordination of benefit (COB) approaches an employer
　　could consider in relation to the new plan.
　　(b) For each COB approach, calculate the total annual cost to ACME in connection
　　with Jill’s anticipated claims.
　　COURSE 8: Fall 2002 -10- GO ON TO NEXT PAGE
　　Managed Care Segment
　　Afternoon Session
 
　　11. (3 points) You are the individual health insurance actuary for XYZ Insurance company.
　　(a) Describe the type of expense allocations that could be used for individual
　　health products.
　　(b) Describe expenses that are typically taken into account in the pricing process
　　and how they are reflected.
　　(c) Explain the criteria that the expense allocation method must meet.
　　12. (5 points) Using the US and Canadian tax treatment as examples, discuss the impact of
　　taxation of premiums and benefits received on the design of employer-provided insurance
　　programs. Include examples for Life, Disability, Medical, and Long-Term Care and
　　discuss from both the employee and employer perspective.
　　COURSE 8: Fall 2002 -11- GO ON TO NEXT PAGE
　　Managed Care Segment
　　Afternoon Session
　　再长的路，一步步也能走完，再短的路，不迈开双脚也无法到达。——高顿网校名人话语

 

 
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