Post on 06-May-2018
Rate/Rule Schedule
Item
No.
Schedule
Item
Status
Document Name
Affected Form Numbers
(Separated with commas) Rate Action Rate Action Information Attachments
1 Rate Manual NBH-280 (2015) PPO PA Rev2018, NBH-280 (2014) Rev2018
Revised Previous State Filing Number:NGLI-130907676Percent Rate Change Request:6
NBH-280 (2015) PPOPA rev 16 Rate Manual2018.pdf,
SERFF Tracking #: NGLI-131294611 State Tracking #: NGLI-131294611 Company Tracking #: 2018-19 STUDENT HEALTH FILING -RATE
State: Pennsylvania Filing Company: National Guardian Life Insurance Company
TOI/Sub-TOI: H22 Student Health Insurance/H22.000 Student Health Insurance
Product Name: Student Health Insurance
Project Name/Number: 2018-19 Student Health Filing - Rate/2018-19 Student Health Rate Filing
PDF Pipeline for SERFF Tracking Number NGLI-131294611 Generated 01/11/2018 01:42 PM
NATIONAL GUARDIAN LIFE INSURANCE CO
RATE MANUAL
Rate Manual Explanation
Page 4 of the rate manual, labelled Experience Rating Formula, is a demonstration of how rates will be calculated for new and renewal schools. Much of this data comes from school specific information entered on page 2 and 3. The first section shows school specific premium and claims experience and gross rates, along with completion factors taken from page 12, based on the effective date of the current plan and the claims paid through date entered on page 2. Claims The estimated lives is the total premium divided by the gross rate, and the lives used for credibility are the estimated lives divided by the completion factor. Next we calculate a Pure Rate which is the complete claims divided by estimated lives, which is then adjusted by the product change factors detailed on page 3.In the following section we apply the trend factors as described in the actuarial memorandum and detailed on page 2. The permissible loss ratio is for demonstration purposes and is defined below as Retention%. The calculation of the Gross Rate for a given year, P), is as follows:
𝐶𝑙𝑎𝑖𝑚𝑠 + 𝑄𝐼𝐸𝑝𝑝 + 𝑃𝐶𝑂𝑅𝐼𝑝𝑝
𝑅𝑒𝑡𝑒𝑛𝑡𝑖𝑜𝑛%(1 − 𝑃𝑟𝑒𝑚𝑖𝑢𝑚 𝑇𝑎𝑥 − 𝐻𝑒𝑎𝑙𝑡ℎ 𝐼𝑛𝑠𝑢𝑟𝑒𝑟 𝐹𝑒𝑒 −𝑄𝐼𝐸%
𝑅𝑒𝑡𝑒𝑛𝑡𝑖𝑜𝑛%)
Definitions:Claims – The Pure Rate (N)QIEpp – Quality improvement expenses per personPCORIpp – PCORI fees per personRetention% - The sum of all Percentage expenses, such as TPA, Quality improvement (on a % basis), Carrier fee, and profit margin (all listed on page 2)Premium Tax and Health Insurer Fee are self-explanatory, and are expressed as a percent of premium.
Next, we apply weights for each experience year and arrive at a weighted gross rate for the rating period (R). We then apply a pooling charge depending on the pooling level chosen. The pooling charges are laid out on page 15. Rows U and V are for demonstration purposes only. The manual rate is the rate calculated for the current plan using the rate model discussed below.
The plan designs entered on page 3 are used to generate plan change factors shown on the bottom of the page. The cost sharing options are run through pages 7 and 8 for non-drug and drug benefits, respectively. The details of the calculations on these pages are defined on the page, and are based on the model in the textbook, Group Insurance ed. Bluhm. The factors for deductibles and maximums used in the model are shown on pages 16 and 17. Assumptions for copay adjustments are listed on page 9. In general, we start at the total assumed allowed amount per person, remove the costs for copay benefits, then apply deductible and coinsurance factors. Seperately (L to AA) we make adjustments for copays and add those net amounts back in for a total claim cost (AE). Below are additional adjustments to copay benefits if deductibles and coinsurance also apply. Then this claims cost is used on page 10 where rating area factors (pp 18-25) and Network factors (page 14) applied. These are discussed in more detail on the memorandum.The credibility formula used in X is shown on page 15. The credibility weighted rate is the standard formula Exp Rate * Zc + Manual Rate * (1-Zc), where Zc is the credibility factor. The network differential (Z) is the proposed network factor divided by the current network factor. This is multiplied by the credibility weighted rate to arrive at the final proposed rate for the current plan.
1
Retrospective Premium Agreement
Optional for schools with greater than $2 million in annual premium
In the event the Policy Year incurred Loss Ratio is below XX percent (XX%) (Target Loss Ratio), Contractor shall pay the difference between the incurred Loss Ratio and XX% (Earned Premium * (XX% -Incurred Loss Ratio)) to the University, up to a maximum of X% of Premium. Such payment shall be made within 11 months after the last day of the policy period. This payment will be used by the University on behalf of the students for health care or similar services.
For example:
Earned Premium - $3,000,000Target Loss ratio - 72%Incurred Loss Ratio - 67%
Target - Incurred Loss ratio - 72%-67% = 5%Minimum of 3% & 5% = 3%
Payment due to school - 3% * $3,000,000 = $90,000
Undergraduate Plan: Graduate Plan: International Plan:
Name of School:
City: State: Zip Code: Commission: 2.50%
IPEDS ID: County: TPA/MGU: 0.00% See Plan Design & History Tab
Number of All Students: Effective Date: Premium Tax: #N/A Exp Mos
Number of UG Students: New/Renewal: QIE 0.00% 2014-2015: 1.000 36
Full-time Enrollment %: Policy Number: Carrier: 13.50% 2015-2016: 1.000 24
Number of Eligible Students: - Carrier: Profit Margin: 4.00% 2016-2017: 1.237 12
Participation %: #DIV/0! Pooling Max: Total Expenses: 20.00% 2017-2018:
Total PLR: 80.00%
Incumbent Carrier:
Incumbent Producer:
Incumbent Claim Payor: Rate History Years => 2014-2015 2015-2016 2016-2017 2017-2018
NGL/CT Producer: Agent Number: Student
NGL/CT Claim Payor: Spouse
Each Child
Enrollment Process: Child(ren)
Full-time/Part Time
Benefit Period: Policy Term Prior Years => 2014-2015 2015-2016 2016-2017 2017-2018
AV Calculator % (Proposed): Student NA #DIV/0! #DIV/0! #DIV/0!
Notes: Spouse NA #DIV/0! #DIV/0! #DIV/0!
Each Child NA #DIV/0! #DIV/0! #DIV/0!
Child(ren) NA #DIV/0! #DIV/0! #DIV/0!
Experience Years => 2014-2015 2015-2016 2016-2017 2017-2018
Gross Premium:
Paid Claims:
Number of Insured: - - - -
Large Claims : - - - -
Network :
On Call: N Rate: -$
Future Health: N Rate: -$
College Navigator Link http://nces.ed.gov/collegenavigator/?q=florida+a%26m&s=all&id=
Pooling Point $100,000
Total -$ -$ -$ -$ -$ -$ -$ -$
Claims 2014-2015 Pooled 2015-2016 Pooled 2016-2017 Pooled 2017-2018 Pooled
1 0 0 0 0
2 0 0 0 0
3 0 0 0 0
4 0 0 0 0
5 0 0 0 0
6 0 0 0 0
7 0 0 0 0
8 0 0 0 0
9 0 0 0 0
10 0 0 0 0
11 0 0 0 0
12 0 0 0 0
13 0 0 0 0
14 0 0 0 0
15 0 0 0 0
16 0 0 0 0
17 0 0 0 0
18 0 0 0 0
19 0 0 0 0
20 0 0 0 0
Premium/Claims Experience
Metal Tier:
2018-2019 Rate Calculation - Information Sheet - (Complete All Shaded Areas)
Rate History
PPO/Non-PPO:
Current PPO Network:
Completion Factors
Claims Paid Through Date:
Rates/Rate History Term of Coverage (ie. Annual):
Rate Adjustment Factor/Prior Years
Permissable Loss Ratio (PLR) Calculation Assumptions
Large Claims
100,000$
Proposed PPO Network:
3
Enter Census and Division Covered Sports Male Female
Division Archery
Badminton
Band
Baseball
Basketball
Bowling
Boxing
Cheerleading
Cheerleading (Mascot)
Coaches/Trainers
Crew/Rowing
Cross Country
Cycling
Dance
Drill Team
Equestrian
Fencing
Field Hockey
Football - Fall
Football - Spring
Football - Sprint
Football - Flag
Frisbee
Golf
Gymnastics
Handball/Racquettball
Ice Hockey
Lacrosse
Martial Arts
Rifle
Rodeo
Rugby
Sailing
Skiing - Alpine/Jumping
Skiing - Cross Country
Snowboarding
Soccer
Softball
Squash
Student Managers/Trainers
Surfing
Swimming/Diving
Tennis
Track/Field - Female
Track/Field - Male
Visitng Recruits
Volleyball
Volleyball - Beach (Sand)
Water Polo
Wrestling
Other
Total - -
Total All Sports -
Actual Net Claim Rates
Class Male Female
I -$ -$
II -$ -$
III -$ -$
IV -$ -$
V -$ -$
Covered SportsMale Female Class Male Female Total
Archery - - V - - -
Badminton - - V - - -
Band - - V - - -
Baseball - - III - - -
Basketball - - II - - -
Bowling - - V - - -
Boxing - - II - - -
Cheerleading - - III - - -
Cheerleading (Mascot)- - III - - -
Coaches/Trainers - - V - - -
Crew/Rowing - - V - - -
Cross Country - - V - - -
Cycling - - V - - -
Dance - - V - - -
Drill Team - - V - - -
Equestrian - - V - - -
Fencing - - V - - -
Field Hockey - - IV - - -
Football - Fall - - I - - -
Football - Spring - - II - - -
Football - Sprint - - II - - -
Football - Flag - - ii - - -
Frisbee - - v - - -
Golf - - v - - -
Gymnastics - - v - - -
Handball/Racquettball- - v - - -
Ice Hockey - - II - - -
Lacrosse - - III - - -
Martial Arts - - III - - -
Rifle - - V - - -
Rodeo - - II - - -
Rugby - - II - - -
Sailing - - V - - -
Skiing - Alpine/Jumping- - II - - -
Skiing - Cross Country- - V - - -
Snowboarding - - II - - -
Soccer - - II - - -
Softball - - III - - -
Squash - - V - - -
Student Managers/Trainers- - V - - -
Surfing - - V - - -
Swimming/Diving- - V - - -
Tennis - - V - - -
Track/Field - Female- - V - - -
Track/Field - Male- - IV - - -
Visitng Recruits - - V - - -
Volleyball - - III - - -
Volleyball - Beach (Sand)- - III - - -
Water Polo - - III - - -
Wrestling - - II - - -
Other - - v - - -
Total -
Total All Sports Per Person 0
FALSE FALSE FALSE FALSE
Current Plan History Proposed
Plan Design 2017-2018 2014-2015 2015-2016 2016-2017 2018-2019
Plan Maximum: Unlimited
Deductible:
Network:
Non-Network:
Co-insurance:
Network:
Non-Network:
Out-of-Pocket Maximum:
Network:
Non-Network:
Prescription Drug (Rx): D C D C D C D C D C
Generic Copay:
Brand Copay:
Non-Preferred Brand Copay:
Specialty Copay:
Deductible:
Co-insurance:
OOP Max
Co-pays: D C D C D C D C D C
Dr Office Visits (PCP):
Dr Office Visits (Specialist):
OP Visits (Mental /Sub. Abuse):
Emergency Room:
Urgent Care:
Inpatient:
Consultant:
Therapies (PT, ST, OT):
Diag. X-ray:
Lab:
Home Health:
OP Surgery:
Sports Covered
Transgender Covered
Claim Cost $1,377.44 $1,377.44 $1,377.44 $1,377.44 $1,377.44
Plan Factor 1.000 1.000 1.000 1.000 1.000
Same Same Same Same
6
EXPERIENCE RATING FORMULA
EXAMPLE CALCULATION BASED ON SAMPLE DATA SHOWN/ASSUMED
School: 0
Claims as of: 1/0/1900
Runout 0.0
New/Renwal $0
Pooling Point Assumed: $100,000
2014 2015 2016 2017
A Premium............................................. $0 $0 $0 $0
B Claims Paid to Date............................... $0 $0 $0 $0
C Projection Factor.................................. 1.000 1.000 1.237 0.000
D Ultimate Claims............................................ $0 $0 $0 $0
E Loss Ratio w/o Large Claims..............................................
Total Loss Ratio
F Gross Rate.................................. Total - - - -
G …….est lives…………………………. 0 0 0 0 0
G2 Lives For Credibility 0 0 0 0 0
H Pure Rate..........................................
I Product Change Factor....................... 1.00 1.00 1.00 1.00
J As is Product Pure Rate......................
Annual Increase.................
K Inflation/Cost Shift............................. 5.3% 4.5% 5.3% 6.0%
L Trend Factor Applied............................ 1.228 1.166 1.116 1.060
M Network Factor #N/A #N/A #N/A #N/A
For as is Product:
N Pure Rate................................. $0 $0 $0 $0
O Permissable Loss Ratio...................
P Gross Rate...................................... -$ -$ -$ -$
Q Weight..................................…#N/A #N/A #N/A #N/A #N/A
R Gross Rate Before Pooling......................... $0
S Pooling Charge 7.0% based on Plan Maximum and Pooling Point from above
T Gross Rate Needed $0
U Comm: 2.5%
V CT Administration: 20.0%
W Manual Rate $1,747.00
X Credibility Factor 0% based on avg # students and # months experience
Y Credibility Weighted Rate $1,747.00 01/02/18
Z Network differential #N/A
AA Network differential adjusted Rate #N/A
Rate Change Existing #N/A
Rate Change Proposed #N/A
NBH-280 (2015) PPO PA rev 16 Rate Manual 2018 7
Proposed
School Name: 0 Plan Design 2018-2019
Prepared by: Company: Plan Maximum: -$
Producer: 0 Deductible:
Date: Network: -$
Claim Payor: 0 Non-Network: -$
Co-insurance:
Efffective Date: 01/00/1900 New/Renewal: 0 Approved by: Company: Network: 0%
Non-Network: 0%
Expenses: Date: Out-of-Pocket Maximum:
Commissions: 2.50% Network: -$
Claim Payor: 0.00% Comments/Notes: Non-Network: -$
Premium Tax: #N/A Prescription Drug (Rx): D C
PPACCA % Fees: 2.75% Generic Copay: -$ 0 0
QIE 0.00% Brand Copay: -$ 0 0
Carrier: 13.50% Non-Preferred Brand Copay: -$ 0 0
Gross Margin: 4.00% Specialty Copay: -$ 0 0
Total Expenses: #N/A Deductible: -$
TLR: #N/A Co-insurance: 0%
OOP Max -$
Co-pays: D C
Current Plan Design Rates Dr Office Visits (PCP): -$ 0 0
Dr Office Visits (Specialist): -$ 0 0
OP Visits (Mental /Sub. Abuse): -$ 0 0
Student Spouse Child Child(ren) Student Emergency Room: -$ 0 0
Annual -$ -$ -$ -$ #N/A Urgent Care: -$ 0 0
Inpatient: -$ 0 0
Additional Annual Costs per Insured Consultant: -$ 0 0
Therapies (PT, ST, OT): -$ 0 0
2018-2019 Rate Adjustment: #N/A Diag. X-ray: -$ 0 0
Lab: -$ 0 0
AV Calculator Proposed Plan: 0.00% Home Health: -$ 0 0
Metal Level Proposed Plan: 0 OP Surgery: -$ 0 0
Sports Covered -$ 0 0
2018-2019 Proposed Plan Factor: 1 Transgender Covered -$ 0 0
2018-2019 Proposed Plan Rate: #N/A
2017-2018 Proposed Plan Rate Increase: #N/A
2017-2018 Proposed First Time Buyer Plan Rate: 1,747$
Fees allolcated outside of MLR: Proposed Network 0
PCORI Fee 2.32$
PPACA Reinsurance Fee
Health Insurer Fee #N/A
Premium Tax: #N/A
Travel Assistance -$
Future Health -$
Total Fees Allocated Outside of MLR: #N/A
NGL/CTProposed Underwriting
2017-2018 Rates 2018-2019 Rates
NBH-280 (2015) PPO PA rev 16 Rate Manual 2018 8
EXPERIENCE RATING FORMULA DEFINITIONS
A) Premium – Annual premium collected
B) Claims Paid to Date – Annual Claims paid for the school year to the
“Claims as of” date.
C) Projection Factor – Factor to bring paid claims to incurred claims for
the school year. Based on internal paid claims data and updated
monthly.
D) Ultimate Claims – B*C
E) Loss ratio – D/A
F) Gross rate – Annual premium rate per student.
G) Estimated lives – A/F
G2) Lives / Completion Factor
H) Pure Rate – D/G, annual claims per student
I) Product Change Factor – Factor to account for actuarial value of a
change in benefits.
J) H*I
K) Inflation/Cost Shift – Medical cost inflation factor based on industry
expectations.
L) Percent Applicable – Some plans have limits or caps on benefits and
therefore a full inflation factor is not appropriate. This percentage
accounts for how much of the trend factor to use.
M) Trend Factor Applied – 1+(K*L)t * 1+(K*L)t-1…..
N) For as is Product Pure Rate - J*M
O) Permissible Loss Ratio – 1-U-V.
P) Gross Rate – (N+QIEpp+FEDpp)/(O(1-PTAX-HIF-QIE%/O))
Q) Weight – The weight given to each experience period. The total
weights must add to one.
R) Gross Rate Before Pooling - t
n
t
t QP *1
S) Pooling Charge – From Pooling Charge Table
T) Gross Rate Needed – R *(1+S)
U) Commission % - Commissions as a percent of premium
V) CT Administrative charge – The percent of premium allocated to
Commercial Travelers for Administration , Profit and Contingencies
W) Manual Rate – Final Rate Derived by rating manual for the plan
benefits
X) Credibility Factor – Derived from Credibility Table
Y) Credibility Weighted Rate – T*X+W*(1-X)
Z) Network factor (projected)/Network factor (previous)
AA) Y * Network differential
9
NATIONAL GUARDIAN LIFE INSURANCE CO
RATE MANUAL
POLICY FORM NBH-280(2016) VT
VERMONT
Apply Apply
Plan Design Copays Deductible Coinsurance
Annual Max Unlimited Dr Office Visits (PCP): $0 Blue font and this color shading indicates a user input for the rating model
Deductible $100 Dr Office Visits (Specialist): $0
Coinsurance 80% OP Visits (Mental /Sub. Abuse): $0
Out of Pocket Max $6,000 Emergency Room: $0
Urgent Care: $0
Inpatient: $0
enter $0 if none Consultant: $0
Therapies (PT, ST, OT): $0
Diag. X-ray: $0
Lab: $0
Home Health: $0
OP Surgery: $0
Calculation $1,408.51 Definitions
A Starting Claims Cost w/o copays $1,382.35 A Total Allowed Charges for all benefits, minus AC (Gross) minus AD plus AC (net applicable)
B Annual Max Unlimited B Annual benefit maximum for the plan
C Value of Max $1,382.35 C The value of claims under the annual maximum
D Deductible 100$ D Deductible for the plan under which no benefit is paid
E Value of Deductible 51.27$ E The value of claims under the deductible (Ded Factor page '% of Total' column * A)
F Coinsurance 80% F Percentage of benefits paid by the plan once deductible is met
G Out of Pocket Max 6,000$ G Maximum dollar value of coinsurance paid by the insured
H OOP Allowed Charges 30,100$ H G/(1-F)+D, The level of allowed charges over which the plan pays 100%
I Value of Claims Over OOP $288.60 I Value of claims for which the plan pays 100%
J Value of OOP 1,093.74$ J A-I, The value of claims under the Out of Pocket Max
K Net Claims Cost 1,122.58$ K (J-E)*F+(C-J)*1, Total value of benefits paid by the plan assuming no copays
Gross Net Copay Value
L Dr Office Visits (PCP): $0.00 $0.00 $0.00
M Dr Office Visits (Specialist): $0.00 $0.00 $0.00
N OP Visits (Mental /Sub. Abuse): $0.00 $0.00 $0.00
O Emergency Room: $0.00 $0.00 $0.00
P Urgent Care: $0.00 $0.00 $0.00
Q Inpatient: $0.00 $0.00 $0.00
R Consultant: $0.00 $0.00 $0.00
S Therapies (PT, ST, OT): $0.00 $0.00 $0.00
T Diag. X-ray: $0.00 $0.00 $0.00
Ta Lab: $0.00 $0.00 $0.00
U Home Health: $0.00 $0.00 $0.00
V OP Surgery: $0.00 $0.00 $0.00
X Generic:Y Brand:
Z Non-Preferred Brand:
AA Specilaty:
AB Total Copay Cost PMPY $0.00 $0.00 $0.00 AB Sum of net and gross copay values
AC Net Value of Copays $0.00 AC Net Value of Benefits subject to copays
AD Additional Benefits not subject to Cost Sharing 26.17$ AD Value of Preventive Benefits
AE Total Claims Cost 1,148.75$ AE K*AA+Y+Z-X (Copay Value)
Ded/Coins Coins Only Deductible Only
Gross PMPY Net PMPY Net Applicable Adjustment Adjustment
Dr Office Visits (PCP): 43.04 43.04 -$ -$ -$
Dr Office Visits (Specialist): 36.66 36.66 -$ -$ -$
OP Visits (Mental /Sub. Abuse): 19.22 19.22 -$ -$ -$
Emergency Room: 135.80 135.80 -$ -$ -$
Urgent Care: 4.22 4.22 -$ -$ -$
Inpatient: 107.97 107.97 -$ -$ -$
Consultant: 6.46 6.46 -$ -$ -$
Therapies (PT, ST, OT): 24.91 24.91 -$ -$ -$
Diag. X-ray: 80.75 80.75 -$ -$ -$
Lab: 97.66 97.66 -$ -$ -$
Home Health: 2.50 2.50 -$ -$ -$
OP Surgery: 85.98 85.98 -$ -$ -$
AF Total $547.51 $645.17 $0.00 $0.00 $0.00
Benefits with no Cost Sharing Net PMPY
AGPreventive 26.17$
L-
AANet and Gross values of benefits with copays attached
10
NATIONAL GUARDIAN LIFE INSURANCE CO
RATE MANUAL
POLICY FORM NBH-280(2016) VT
VERMONTPRESCRIPTION DRUGS Apply Apply
Plan Design Copays Deductible Coinsurance
Annual Max Unlimited Blue font and this color shading indicates a user input for the rating model
Deductible $0
Coinsurance $0 Drug-Generic $0
Out of Pocket Max $0 Drug-Brand $0
Drug-non pref Brand $0
Drug-Spec $0
enter $0 if none
ADCalculation $241.48 Definitions
A Starting Claims Cost w/o copays $5.16 A Total Allowed Charges for non-copay benefits (AD-Z(1)-AC+Z(3))
B Annual Max Unlimited B Annual benefit maximum for the plan
C Value of Max $5.16 C The value of claims under the annual maximum
D Deductible -$ D Deductible for the plan under which no benefit is paid
E Value of Deductible -$ E The value of claims under the deductible
F Coinsurance 0% F Percentage of benefits paid by the plan once deductible is met
G Out of Pocket Max -$ G Maximum dollar value of coinsurance paid by the insured
H OOP Allowed Charges -$ H G/(1-F)+D, The level of allowed charges over which the plan pays 100%
I Value of Claims Over OOP $24.69 I Value of claims for which the plan pays 100%
J Value of OOP -$ J A-I, The value of claims under the Out of Pocket Max
K Net Claims Cost 5.16$ K (J-E)*F+(C-J)*1, Total value of benefits paid by the plan assuming no copays
Gross Net Copay Value
L ER PMPY
M Visit PMPY
N Drug-Generic $0.00 $0.00 $0.00
O Drug-Brand $0.00 $0.00 $0.00
P Drug-non pref Brand $0.00 $0.00 $0.00
Q Drug-Spec $0.00 $0.00 $0.00
R Outpatient Surgery PMPY
S Physical Therapy PMPY
T Diagnostic X-Ray PMPY
U Home Health PMPY
V Inpatient PMPY
W Consulting Physician PMPY
X Total Copay Cost PMPY $0.00 $0.00 $0.00 X Sum of net and gross copay values
Y Net Value of Copays $236.32 Y Net Value of Benefits subject to copays
Z Additional Benefits -$ Z
AA Product Change Factor 1.0000 AA Product of all benefit factors reflecting changes in benefits from rate manual
AB Total Claims Cost 241.48$ AB K*AA+Y+Z-X (Copay Value)
1 2 Ded/Coins Coins Only Deductible Only
Gross PMPY Net PMPY Net Applicable Adjustment Adjustment
Drug-Generic $42.92 $42.92 -$ -$ -$
Drug-Brand $141.17 $141.17 -$ -$ -$
Drug-non pref Brand $26.95 $26.95 -$ -$ -$
Drug-Spec $25.28 $25.28 -$ -$ -$
Z Total $236.32 $236.32 $0.00 $0.00 $0.00
Copay Value $0.00
benefits with no Cost Sharing Net PMPY
AC
L-W Net and Gross values of benefits with copays attached
11
NATIONAL GUARDIAN LIFE INSURANCE CO
RATE MANUAL
POLICY FORM NBH-280(2016) VT
VERMONT
COPAY DATA
Average Average
Benefit Claims/personallowed/claim pmpm
AMB SURG CENTER 0.0026 5,635.70$ 14.80$
AMBULANCE 0.0093 1,345.59$ 12.57$
DME/SUPPLIES 0.0373 401.22$ 14.97$
Generic 1.35 31.85 42.92
Pref Brand 0.88 161.28 141.17
Non Pref Brand 0.10 271.92 26.95
Specialty 0.01 2,739.56 25.28 $236.32
HOSPITAL - ER 0.0520 2,612.25$ 135.80$
HOSPITAL - INP ALC/SUB 0.0002 5,313.16$ 0.94$
HOSPITAL - INP MATERNITY 0.0011 7,781.10$ 8.19$
HOSPITAL - INP MH 0.0012 4,681.05$ 5.56$
HOSPITAL - INP NEWBORN 0.0007 2,594.63$ 1.76$
HOSPITAL - INPATIENT 0.0079 11,957.52$ 94.22$
HOSPITAL - OUT ALC/SUB 0.0023 2,203.29$ 5.12$
HOSPITAL - OUT PSYCH 0.0043 1,120.80$ 4.79$
HOSPITAL - OUTPATIENT 0.0955 1,800.13$ 171.97$
INJECTIONS/DRUGS 0.0895 465.44$ 41.66$
OTHER 0.1939 802.57$ 155.60$
PATHOLOGY 1.4076 69.38$ 97.66$
PHYS - ALC/SUB 0.0140 120.67$ 1.69$
PHYS - CHIRO 0.0573 58.48$ 3.35$
PHYS - CONSULTS 0.0257 250.99$ 6.46$
PHYS - HOSP/ER VISITS 0.1569 523.21$ 82.07$
PHYS - IMMUN 0.0774 66.80$ 5.17$
PHYS - OTHER 0.9180 186.29$ 171.01$
PHYS - PREVENTIVE 0.1506 173.76$ 26.17$
PHYS - PSYCH 0.1170 149.88$ 17.53$
PHYS - SURG INP 0.0043 2,097.19$ 9.11$
PHYS - SURG OTHER 0.2543 426.23$ 108.38$
PT/OT 0.3742 66.58$ 24.91$
RADIOLOGY 0.2512 321.52$ 80.75$
URGENT CARE 0.0310 136.06$ 4.22$
PCP Visit 0.3676 117.08$ 43.04$
Spec Visit 0.3131 117.08$ 36.66$
Home Health 0.0050 500.00$ 2.50$
0.6807
12
NATIONAL GUARDIAN LIFE INSURANCE CO
RATE MANUAL
POLICY FORM NBH-280(2016) VT
VERMONTManual Rate Calculation
Unlimited Annual Max Rating Area Factor
$100 Deductible 0
80% Coinsurance #N/A
$6,000 OOP Max Network
Assumed Copays 0
Dr Office Visits (PCP): $0 #N/A
Dr Office Visits (Specialist): $0
OP Visits (Mental /Sub. Abuse): $0
Emergency Room: $0
Urgent Care: $0
Inpatient: $0
Consultant: $0
Therapies (PT, ST, OT): $0
Diag. X-ray: $0
Home Health: $0
OP Surgery: $0
Drug-Generic $0
Drug-Brand $0
Drug-non pref Brand $0
Drug-Spec $0
Total Claims Cost (from Pricing Defs) $1,390.23
#N/A
#N/A
PPACA-Compliant Expenses 20.0%
QIE 0.00%
Additional Assessments Exempt from PPACA
State Premium Tax & Assesments #N/A
PPACA Annual Health Insurer (HI) Fee* 2.75%
Total Additional Assessments Exempt from PPACA #N/A
% of prem
+ PPACA Transitional Reins Fee (Per Life, Same All Classes)* $0.00 #N/A
+ PPACA PCORI Fee (Per Life, Same All Classes) $2.32 #N/A
Total Rate $2.32
Class Final Annual Rates # covered lives assumed
Student-Only #N/A 1
Geographic Adjusted Claim Costs
Geographic & Network Adjusted Claim Costs
13
NATIONAL GUARDIAN LIFE INSURANCE CO
RATE MANUAL
POLICY FORM NBH-280(2016) VT
VERMONTADMINISTRATIVE EXPENSES
Ranges
Commission: 0-3%
Claim Payor/TPA: 5-12%
QIE 0-2%
Carrier: 3-6%
Profit Margin: 3-5%
Ranges are determined by relationship with claim payor/TPA and what is charged for their services
The total administrative expense/profit will not exceed the amount constrained by the Federal
Minimum Loss Ratio according to the following formula
(Claims+QIE Expenses)/(Premium-Taxes and Fees)
14
NATIONAL GUARDIAN LIFE INSURANCE CO
RATE MANUAL
POLICY FORM NBH-280(2016) VT
VERMONTCOMPLETION FACTORS Used unless school specific experience is available and credible
Use for 2017-2018 Policy
Month CHP Healthsmart HOA Table 3
2 38.965 125.740 221.549 2 221.549
3 14.906 25.002 26.143 3 26.143
4 8.337 12.193 13.316 4 13.316
5 4.868 7.076 7.576 5 7.576
6 3.659 4.804 4.740 6 4.74
7 2.826 3.504 3.350 7 3.35
8 2.223 2.707 2.501 8 2.501
9 1.847 2.204 1.965 9 1.965
10 1.577 1.807 1.624 10 1.624
11 1.371 1.566 1.388 11 1.388
12 1.218 1.390 1.237 12 1.237
13 1.117 1.198 1.110 13 1.11
14 1.076 1.135 1.069 14 1.069
15 1.053 1.105 1.055 15 1.055
16 1.045 1.090 1.038 16 1.038
17 1.041 1.086 1.029 17 1.029
18 1.036 1.071 1.018 18 1.018
19 1.029 1.060 1.014 19 1.014
20 1.027 1.041 1.006 20 1.006
21 1.026 1.035 1.003 21 1.003
22 1.025 1.025 1.002 22 1.002
23 1.024 1.016 1.001 23 1.001
24 1.024 1.014 1.000 24 1
25 1.013 1.014 1.000 25 1
26 1.009 1.007 1.000 26 1
27 1.008 1.007 1.000 27 1
28 1.006 1.007 1.000 28 1
29 1.006 1.006 1.000 29 1
30 1.001 1.006 1.000 30 1
31 1.001 1.006 1.000 31 1
32 1.001 1.006 1.000 32 1
33 1.000 1.006 1.000 33 1
34 1.000 1.000 1.000 34 1
35 1.000 1.000 1.000 35 1
36 1.000 1.000 1.000 36 1
37 1.000 1.000 1.000 37 1
38 1.0000 1.000 1.000 38 1
39 1.0000 1.000 1.000 39 1
40 1.0000 1.000 1.000 40 1
41 1.0000 1.000 1.000 41 1
42 1.0000 1.000 1.000 42 1
43 1.0000 1.000 1.000 43 1
44 1.0000 1.000 1.000 44 1
45 1.0000 1.000 1.000 45 1
46 1.0000 1.000 1.000 46 1
47 1.0000 1.000 1.000 47 1
48 1.0000 1.000 1.000 48 1
49 1.0000 1.000 1.000 49 1
50 1.0000 1.000 1.000 50 1
51 1.0000 1.000 1.000 51 1
52 1.0000 1.000 1.000 52 1
53 1.0000 1.000 1.000 53 1
54 1.0000 1.000 1.000 54 1
55 1.0000 1.000 1.000 55 1
56 1.0000 1.000 1.000 56 1
57 1.0000 1.000 1.000
58 1.0000 1.000 1.000
59 1.0000 1.000 1.000
60 1.0000 1.000 1.000
61 1.0000 1.000 1.000
62 1.0000 1.000 1.000
63 1.0000 1.000 1.000
64 1.0000 1.000 1.000
65 1.0000 1.000 1.000
66 1.0000 1.000 1.000
67 1.0000 1.000 1.000
68 1.0000 1.000 1.000
69 1.0000 1.000 1.000
70 1.0000 1.000 1.000
71 1.0000 1.000 1.000
72 1.0000
73 1.0000
74 1.0000
15
NATIONAL GUARDIAN LIFE INSURANCE CO
RATE MANUAL
POLICY FORM NBH-280(2016) VT
VERMONTCTM Effective Premium Tax Rates By State
Effective Premium
State State Tax Rate
AL Alabama 1.600% (1.6% generally, 0.5% for group policies with less than 50 members)
AK Alaska 2.700%
AZ Arizona 2.000%
AR Arkansas 2.500%
CA California 2.350%
CO Colorado 2.000%
CT Connecticut 1.750%
DE Delaware 2.000%
DC District of Columbia 2.000%
FL Florida 1.750%
GA Georgia 2.250%
HI Hawaii 4.265%
ID Idaho 1.500%
IL Illinois 0.400%
IN Indiana 1.300%
IA Iowa 1.000%
KS Kansas 2.000%
KY Kentucky 1.500%
LA Louisiana 2.250%
ME Maine 2.000%
MD Maryland 2.000%
MA Massachusetts 2.000%
MI Michigan 1.250%
MN Minnesota 2.000%
MS Mississippi 3.000%
MO Missouri 2.000%
MT Montana 2.750%
NE Nebraska 1.000%
NV Nevada 3.500%
NH New Hampshire 2.000%
NJ New Jersey 1.050%
NM New Mexico 3.003%
NY New York 2.000%
NC North Carolina 1.900%
ND North Dakota 1.750%
OH Ohio 1.400%
OK Oklahoma 2.250%
OR Oregon 0.000%
PA Pennsylvania 2.000%
RI Rhode Island 2.000%
SC South Carolina 1.250%
SD South Dakota 2.500%
TN Tennessee 1.750%
TX Texas 2.750%
UT Utah 2.250%
VT Vermont 2.000%
VA Virginia 2.250%
WA Washington 2.000%
WV West Virginia 3.000%
WI Wisconsin 0.000%
WY Wyoming 0.750%
16
NATIONAL GUARDIAN LIFE INSURANCE CO
RATE MANUAL
POLICY FORM NBH-280(2016) VT
VERMONT
Current Proposed
#N/A Cigna 1
Other Other
#N/A #N/A
#N/A #N/A
#N/A
Current Experience Factor 0.692
Network adjustment Factor #N/A
NETWORK DISCOUNT FACTORS
State County code Cigna Magnacare First Health PHCS Multiplan Healthlink BCBS United Aetna
AL Other ALOther 0.69 0.69 0.69 0.69 0.69 0.69 0.69 0.69
AL Jefferson ALJefferson 0.48 0.80 0.68 0.76 0.69 0.48 0.48 0.48
AZ Maricopa AZMaricopa 0.375 0.604 0.719 0.731 0.69 0.38 0.38 0.38
AZ Pima AZPima 0.346 0.657 0.69 0.731 0.69 0.346 0.346 0.346
AZ Other AZOther 0.69 0.69 0.69 0.69 0.69 0.69 0.69 0.69
CA Los Angeles CALos Angeles 0.53 0.60 0.69 0.80 0.69 0.53 0.53 0.53
CA San Fransisco CASan Fransisco 0.60 0.69 0.71 0.80 0.69 0.60 0.60 0.60
CA Other CAOther 0.69 0.69 0.69 0.69 0.69 0.69 0.69 0.69
CO Other COOther 0.69 0.69 0.69 0.69 0.69 0.69 0.69 0.69
CT Other CTOther 0.69 0.69 0.69 0.69 0.69 0.69 0.69 0.69
DC Other DCOther 0.69 0.69 0.69 0.69 0.69 0.69 0.69 0.69
FL Volusia FLVolusia 0.48 0.68 1.00 0.80 0.69 0.48 0.48 0.48
FL Duval FLDuval 0.54 0.66 0.76 0.80 0.69 0.54 0.54 0.54
FL Miami-Dade FLMiami-Dade 0.45 0.74 0.70 0.80 0.69 0.45 0.45 0.45
FL Orange FLOrange 0.43 0.71 0.72 0.80 0.69 0.43 0.43 0.43
FL Other FLOther 0.69 0.69 0.69 0.69 0.69 0.69 0.69 0.69
HI Other HIOther 0.69 0.69 0.69 0.69 0.69 0.69 0.69 0.69
ID Other IDOther 0.69 0.69 0.69 0.69 0.69 0.69 0.69 0.69
IL Cook ILCook 0.48 0.73 0.68 0.80 0.69 0.48 0.48 0.48
IL Other ILOther 0.61 0.72 0.80 0.77 0.69 0.61 0.61 0.61
IN Marion INMarion 0.67 0.76 0.80 0.80 0.69 0.67 0.67 0.67
IN Other INOther 0.67 0.92 0.71 0.80 0.69 0.67 0.67 0.67
KS Other KSOther 0.69 0.69 0.69 0.69 0.69 0.69 0.69 0.69
LA E. Baton Rouge LAE. Baton Rouge 0.538 0.73 0.627 0.69 0.69 0.538 0.538 0.538
LA Orleans LAOrleans 0.473 0.71 0.689 0.69 0.69 0.473 0.473 0.473
LA Other LAOther 0.69 0.69 0.69 0.69 0.69 0.69 0.69 0.69
MA Berkshire MABerkshire 0.60 0.73 0.77 0.81 0.69 0.60 0.60 0.60
MA Franklin MAFranklin 0.60 0.73 0.77 0.81 0.69 0.60 0.60 0.60
MA Hampshire MAHampshire 0.60 0.73 0.77 0.81 0.69 0.60 0.60 0.60
MA Hampden MAHampden 0.60 0.73 0.77 0.81 0.69 0.60 0.60 0.60
MA Worcester MAWorcester 0.60 0.73 0.77 0.81 0.69 0.60 0.60 0.60
MA Other MAOther 0.69 0.69 0.69 0.69 0.69 0.69 0.69 0.69
MD Baltimore MDBaltimore 0.65 0.80 0.92 0.87 0.69 0.65 0.65 0.65
MD Other MDOther 0.69 0.69 0.69 0.69 0.69 0.69 0.69 0.69
MN Other MNOther 0.69 0.69 0.69 0.69 0.69 0.69 0.69 0.69
MN Hennepin MNHennepin 0.60 0.77 0.77 0.88 0.69 0.60 0.60 0.60
MN Olmsted MNOlmsted 0.98 1.00 0.96 0.88 0.69 0.98 0.98 0.98
MN Saint Louis MNSaint Louis 0.76 1.00 0.85 0.88 0.69 0.76 0.76 0.76
MN Hennepin MNHennepin 0.60 0.77 0.77 0.88 0.69 0.60 0.60 0.60
MN Olmsted MNOlmsted 0.97 1.00 0.96 0.88 0.69 0.97 0.97 0.97
MN Other MNOther 0.69 0.69 0.69 0.69 0.69 0.69 0.69 0.69
MO St. Louis MOSt. Louis 0.43 0.69 0.69 0.69 0.69 0.43 0.43 0.43
MO Boone MOBoone 0.71 0.65 0.67 0.74 0.69 0.71 0.71 0.71
MO Jackson MOJackson 0.50 0.69 0.69 0.69 0.69 0.50 0.50 0.50
MS Other MSOther 0.69 0.69 0.69 0.69 0.69 0.69 0.69 0.69
NC Mecklenburg NCMecklenburg 0.61 0.91 0.80 0.85 0.69 0.61 0.61 0.61
NC Wake NCWake 0.53 0.67 0.77 0.85 0.69 0.53 0.53 0.53
NC Durham NCDurham 0.53 0.67 0.77 0.85 0.69 0.53 0.53 0.53
NC Other NCOther 0.69 0.69 0.69 0.69 0.69 0.69 0.69 0.69
NE Other NEOther 0.69 0.69 0.69 0.69 0.69 0.69 0.69 0.69
NH Other NHOther 0.69 0.69 0.69 0.69 0.69 0.69 0.69 0.69
NJ Mercer NJMercer 0.47 0.76 0.65 0.76 0.69 0.47 0.47 0.47
NJ Hudson NJHudson 0.69 0.586 0.69 0.69 0.69 0.69 0.69 0.69 0.69
NJ Other NJOther 0.44 0.63 0.65 0.73 0.69 0.44 0.44 0.44
NV Clark NVClark 0.356 0.605 0.519 0.772 0.71 0.356 0.356 0.356
NV Other NVOther 0.69 0.69 0.69 0.69 0.69 0.69 0.69 0.69
NY Erie NYErie 0.61 0.69 0.69 0.69 0.76 0.69 0.61 0.61 0.61
NY Albany NYAlbany 0.48 0.75 0.69 0.69 0.79 0.69 0.48 0.48 0.48
NY New York NYNew York 0.51 0.53 0.69 0.69 0.72 0.69 0.51 0.51 0.51
NY Other NYOther 0.69 0.69 0.69 0.69 0.69 0.69 0.69 0.69
OH Hamilton OHHamilton 0.64 0.81 0.81 0.81 0.69 0.64 0.64 0.64
OH Cuyahoga OHCuyahoga 0.61 0.76 0.85 0.84 0.69 0.61 0.61 0.61
OH Lucas OHLucas 0.45 0.71 0.79 0.84 0.69 0.45 0.45 0.45
OH Other OHOther 0.69 0.69 0.69 0.69 0.69 0.69 0.69 0.69
OK Other OKOther 0.69 0.69 0.69 0.69 0.69 0.69 0.69 0.69
OR Other OROther 0.69 0.69 0.69 0.69 0.69 0.69 0.69 0.69
PA Philadelphia PAPhiladelphia 0.57 0.73 0.73 1.00 0.69 0.57 0.57 0.57
PA Allegheny PAAllegheny 0.60 0.67 0.80 0.87 0.69 0.60 0.60 0.60
PA Other PAOther 0.69 0.69 0.69 0.69 0.69 0.69 0.69 0.69
RI Other RIOther 0.69 0.69 0.69 0.69 0.69 0.69 0.69 0.69
SC Charleston SCCharleston 0.61 0.75 0.76 0.83 0.69 0.61 0.61 0.61
SC Richland SCRichland 0.60 0.61 0.76 0.83 0.69 0.60 0.60 0.60
SC Other SCOther 0.69 0.69 0.69 0.69 0.69 0.69 0.69 0.69
TN Shelby TNShelby 0.52 0.85 0.64 0.79 0.69 0.36 0.36 0.36
TN Davidson TNDavidson 0.64 0.71 0.67 0.79 0.69 0.52 0.52 0.52
TN Other TNOther 0.69 0.69 0.69 0.69 0.69 0.69 0.69 0.69
TX Harris TXHarris 0.57 0.69 0.69 0.69 0.69 0.57 0.57 0.57
TX Other TXOther 0.69 0.69 0.69 0.69 0.69 0.69 0.69 0.69
UT Other UTOther 0.69 0.69 0.69 0.69 0.69 0.69 0.69 0.69
VA Other VAOther 0.69 0.69 0.69 0.69 0.69 0.69 0.69 0.69
VT Chittenden VTChittenden 0.75 0.77 0.76 0.75 0.70 0.74 0.74 0.74
VT Other VTOther 0.75 0.77 0.76 0.75 0.70 0.74 0.74 0.74
WA Other WAOther 0.69 0.69 0.69 0.69 0.69 0.69 0.69 0.69
WI Other WIOther 0.69 0.69 0.69 0.69 0.69 0.69 0.69 0.69
WI Eau Claire WIEau Claire 0.87 0.92 0.88 0.93 0.69 0.83 0.83 0.83
WI Dane WIDane 0.81 0.85 0.87 0.92 0.69 0.75 0.75 0.75
WI Milwaukee WIMilwaukee 0.77 0.83 0.84 0.89 0.69 0.69 0.69 0.69
WV Other WVOther 0.69 0.69 0.69 0.69 0.69 0.69 0.69 0.69
17
CredibilityEnrollment needed for full credibility 2078
Credibility formula Sqrt(N/2078)
N=Sum(enrollment/completion factor)
E=Experience Rate
M=Manual rate
Pooling Charges
Pooling Point Unlimited
$25,000 22.7%
$50,000 13.2%
$100,000 7.0%
$250,000 2.7%
$500,000 1.0%
$5,000,000 0.0%
Rating Structure
Class Factor
Student-Only 1.00
Weights for Experience Rating
Months of
runout Year-3 Year-2 Year-1
1 20% 40% 40%
2 20% 40% 40%
3 20% 40% 40%
4 20% 40% 40%
5 20% 40% 40%
Plan Maximum
18
NATIONAL GUARDIAN LIFE INSURANCE CO
RATE MANUAL
POLICY FORM NBH-280(2016) VT
VERMONTDeductible Factors DEDUCTIBLE FACTORS
Deductible Annual Cost Value Over Ded Value of Ded
0 $1,408.51
25 $1,408.49 $1,394.66 $13.85 0.98%
50 $1,407.90 $1,381.35 $27.16 1.93%
75 $1,406.90 $1,368.52 $39.99 2.84%
100 $1,405.13 $1,356.27 $52.24 3.71%
150 $1,402.58 $1,336.04 $72.48 5.15%
200 $1,399.02 $1,318.83 $89.69 6.37%
250 $1,395.88 $1,302.78 $105.74 7.51%
300 $1,391.63 $1,287.87 $120.65 8.57%
350 $1,385.17 $1,271.57 $136.94 9.72%
400 $1,378.67 $1,256.20 $152.32 10.81%
500 $1,366.85 $1,228.29 $180.22 12.80%
600 $1,355.80 $1,202.62 $205.90 14.62%
700 $1,344.67 $1,178.80 $229.72 16.31%
750 $1,338.71 $1,167.34 $241.17 17.12%
800 $1,333.21 $1,156.26 $252.25 17.91%
900 $1,323.28 $1,135.29 $273.22 19.40%
1000 $1,312.26 $1,115.54 $292.98 20.80%
1500 $1,269.51 $1,036.47 $372.04 26.41%
2000 $1,227.10 $971.69 $436.82 31.01%
2500 $1,191.59 $915.99 $492.53 34.97%
3000 $1,154.69 $867.66 $540.86 38.40%
5000 $1,046.84 $740.52 $668.00 47.43%
10000 $890.29 $571.09 $837.43 59.45%
15000 $776.35 $462.92 $945.60 67.13%
20000 $676.81 $388.72 $1,019.79 72.40%
25000 $588.99 $336.85 $1,071.67 76.08%
30000 $529.87 $297.31 $1,111.21 78.89%
35000 $477.79 $266.56 $1,141.96 81.08%
40000 $441.77 $241.13 $1,167.38 82.88%
45000 $407.15 $220.06 $1,188.46 84.38%
50000 $374.32 $202.65 $1,205.86 85.61%
55000 $350.02 $187.74 $1,220.78 86.67%
60000 $324.78 $175.11 $1,233.40 87.57%
65000 $297.27 $164.76 $1,243.75 88.30%
70000 $286.76 $155.32 $1,253.19 88.97%
75000 $284.87 $146.06 $1,262.46 89.63%
80000 $272.74 $137.56 $1,270.96 90.23%
85000 $257.66 $129.98 $1,278.53 90.77%
90000 $241.64 $123.35 $1,285.17 91.24%
95000 $234.37 $117.15 $1,291.36 91.68%
100000 $221.58 $111.61 $1,296.91 92.08%
105000 $213.51 $106.48 $1,302.03 92.44%
110000 $199.38 $102.01 $1,306.50 92.76%
115000 $196.42 $97.71 $1,310.80 93.06%
120000 $180.95 $94.05 $1,314.47 93.32%
125000 $171.27 $90.80 $1,317.71 93.55%
130000 $167.91 $87.71 $1,320.81 93.77%
135000 $167.91 $84.62 $1,323.89 93.99%
140000 $164.28 $81.66 $1,326.85 94.20%
145000 $156.75 $78.96 $1,329.55 94.39%
150000 $156.75 $76.28 $1,332.23 94.58%
200000 $123.84 $59.47 $1,349.05 95.78%
250000 $118.39 $44.62 $1,363.89 96.83%
300000 $98.00 $33.63 $1,374.89 97.61%
400000 $56.87 $24.68 $1,383.83 98.25%
500000 $56.87 $16.63 $1,391.88 98.82%
600000 $56.87 $8.59 $1,399.93 99.39%
700000 $24.32 $5.54 $1,402.97 99.61%
800000 $24.32 $2.86 $1,405.65 99.80%
900000 $24.32 $0.18 $1,408.33 99.99%
1000000 $0.00 $0.00 $1,408.51 100.00%
1250000 $0.00 $0.00 $1,408.51 100.00%
1500000 $0.00 $0.00 $1,408.51 100.00%
1750000 $0.00 $0.00 $1,408.51 100.00%
2000000 $0.00 $0.00 $1,408.51 100.00%
5000000 $0.00 $0.00 $1,408.51 100.00%
19
NATIONAL GUARDIAN LIFE INSURANCE CO
RATE MANUAL
POLICY FORM NBH-280(2016) VT
VERMONT
Deductible Factors - Presciption Drugs
Deductible Annual Cost Value Over Ded Value of Ded
0 $241.48
25 $241.23 $235.63 $5.85 2.42%
50 $239.90 $229.85 $11.63 4.82%
75 $238.60 $224.83 $16.65 6.90%
100 $237.18 $221.39 $20.09 8.32%
150 $234.25 $213.50 $27.98 11.59%
200 $231.06 $206.44 $35.04 14.51%
250 $227.80 $200.03 $41.45 17.17%
300 $224.65 $194.43 $47.05 19.48%
350 $221.39 $189.06 $52.42 21.71%
400 $218.36 $187.03 $54.45 22.55%
500 $212.36 $177.82 $63.66 26.36%
600 $207.49 $171.46 $70.02 28.99%
700 $201.83 $162.40 $79.08 32.75%
750 $199.17 $159.11 $82.37 34.11%
800 $196.95 $157.98 $83.50 34.58%
900 $193.06 $152.94 $88.54 36.66%
1000 $189.22 $158.53 $82.95 34.35%
1500 $173.47 $140.14 $101.34 41.96%
2000 $159.61 $125.92 $115.56 47.86%
2500 $148.14 $114.28 $127.20 52.68%
3000 $139.44 $117.19 $124.29 51.47%
5000 $117.74 $100.25 $141.23 58.48%
10000 $92.87 $71.88 $169.60 70.23%
15000 $76.99 $55.58 $185.90 76.98%
20000 $66.01 $44.18 $197.30 81.70%
25000 $58.84 $37.15 $204.33 84.62%
30000 $52.94 $31.11 $210.37 87.12%
35000 $48.55 $26.03 $215.45 89.22%
40000 $45.50 $22.00 $219.49 90.89%
45000 $43.19 $18.00 $223.48 92.54%
50000 $41.89 $15.31 $226.17 93.66%
55000 $40.45 $15.83 $225.65 93.45%
60000 $35.72 $15.58 $225.91 93.55%
65000 $28.86 $10.67 $230.81 95.58%
70000 $25.14 $9.47 $232.01 96.08%
75000 $21.15 $6.46 $235.02 97.33%
80000 $19.01 $7.82 $233.66 96.76%
85000 $14.46 $2.57 $238.91 98.94%
90000 $14.46 $6.90 $234.58 97.14%
95000 $9.35 $1.37 $240.11 99.43%
100000 $9.35 $3.75 $237.73 98.45%
105000 $6.51 $0.64 $240.85 99.74%
110000 $6.51 $3.43 $238.05 98.58%
115000 $3.40 $0.18 $241.30 99.93%
120000 $3.40 $3.40 $238.09 98.59%
125000 $0.00 $0.00 $241.48 100.00%
130000 $0.00 $0.00 $241.48 100.00%
135000 $0.00 $0.00 $241.48 100.00%
140000 $0.00 $0.00 $241.48 100.00%
145000 $0.00 $0.00 $241.48 100.00%
150000 $0.00 $0.00 $241.48 100.00%
200000 $0.00 $0.00 $241.48 100.00%
250000 $0.00 $0.00 $241.48 100.00%
300000 $0.00 $0.00 $241.48 100.00%
400000 $0.00 $0.00 $241.48 100.00%
500000 $0.00 $0.00 $241.48 100.00%
600000 $0.00 $0.00 $241.48 100.00%
700000 $0.00 $0.00 $241.48 100.00%
800000 $0.00 $0.00 $241.48 100.00%
900000 $0.00 $0.00 $241.48 100.00%
1000000 $0.00 $0.00 $241.48 100.00%
1250000 $0.00 $0.00 $241.48 100.00%
1500000 $0.00 $0.00 $241.48 100.00%
1750000 $0.00 $0.00 $241.48 100.00%
2000000 $0.00 $0.00 $241.48 100.00%
5000000 $0.00 $0.00 $241.48 100.00%
20
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AK Anchorage Rating Area 1
AK Dillingham Rating Area 1
AK Valdez-Cordova Rating Area 1
AK Bethel Rating Area 2
AK Bristol Bay Rating Area 2
AK Denali Rating Area 2
AK Fairbanks North Star Rating Area 2
AK Kenai Peninsula Rating Area 2
AK Kodiak Island Rating Area 2
AK Matanuska-Susitna Rating Area 2
AK Nome Rating Area 2
AK North Slope Rating Area 2
AK Northwest Arctic Rating Area 2
AK Southeast Fairbanks Rating Area 2
AK Wade Hampton Rating Area 2
AK Yukon-Koyukuk Rating Area 2
AK Haines Rating Area 3
AK Hoonah-Angoon Rating Area 3
AK Juneau Rating Area 3
AK Ketchikan Gateway Rating Area 3
AK Petersburg Rating Area 3
AK Prince of Wales-Hyder Rating Area 3
AK Sitka Rating Area 3
AK Skagway Rating Area 3
AL Calhoun Rating Area 1
AL Lee Rating Area 2
AL Bibb Rating Area 3
AL Blount Rating Area 3
AL Chilton Rating Area 3
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AL Russell Rating Area 4
AL Lawrence Rating Area 5
AL Morgan Rating Area 5
AL Geneva Rating Area 6
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AL Colbert Rating Area 7
AL Lauderdale Rating Area 7
AL Etowah Rating Area 8
AL Limestone Rating Area 9
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AL Mobile Rating Area 10
AL Autauga Rating Area 11
AL Elmore Rating Area 11
AL Lowndes Rating Area 11
AL Montgomery Rating Area 11
AL Greene Rating Area 12
AL Hale Rating Area 12
AL Tuscaloosa Rating Area 12
AL Baldwin Rating Area 13
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AL Escambia Rating Area 13
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AL Franklin Rating Area 13
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AL Marengo Rating Area 13
AL Marshall Rating Area 13
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AL Perry Rating Area 13
AL Pickens Rating Area 13
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AL Washington Rating Area 13
AL Wilcox Rating Area 13
AL Winston Rating Area 13
AR Cleburne Rating Area 1
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AZ Mohave Rating Area 1
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AZ Lapaz Rating Area 3
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AZ Maricopa Rating Area 4
AZ Pinal Rating Area 5
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AZ Pima Rating Area 6
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AZ Graham Rating Area 7
AZ Greenlee Rating Area 7
AZ Cochise Rating Area 7CA Alpine Rating Area 1
CA Del Norte Rating Area 1
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CA Sacramento Rating Area 3
CA Placer Rating Area 3
CA El Dorado Rating Area 3
CA Yolo Rating Area 3
CA San Francisco Rating Area 4
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CA Alameda Rating Area 6
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CA Monterey Rating Area 9
CA San Benito Rating Area 9
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CA Stanislaus Rating Area 10
CA Merced Rating Area 10
CA Mariposa Rating Area 10
CA Tulare Rating Area 10
CA Madera Rating Area 11
CA Fresno Rating Area 11
CA Kings Rating Area 11
CA San Luis Obispo Rating Area 12
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CA Ventura Rating Area 12
CA Mono Rating Area 13
CA Inyo Rating Area 13
CA Imperial Rating Area 13
CA Kern Rating Area 14
CA Los Angeles Rating Area 15
CA Los Angeles Rating Area 15
CA Los Angeles Rating Area 15
CA Los Angeles Rating Area 15
CA Los Angeles Rating Area 15
CA Los Angeles Rating Area 15
CA Los Angeles Rating Area 15
CA Los Angeles Rating Area 15
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CA Los Angeles Rating Area 16
CA Los Angeles Rating Area 16
CA Los Angeles Rating Area 16
CA Los Angeles Rating Area 16
CA Los Angeles Rating Area 16
CA Los Angeles Rating Area 16
CA Los Angeles Rating Area 16
CA Los Angeles Rating Area 16
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CA Los Angeles Rating Area 16
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CA San Bernardino Rating Area 17
CA Riverside Rating Area 17
CA Orange Rating Area 18
CA San Diego Rating Area 19
CO BOULDER Rating Area 1
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CO Pitkin Rating Area 9
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CO Summit Rating Area 9
CT Fairfield Rating Area 1
CT Hartford Rating Area 2
CT Litchfield Rating Area 3
CT Middlesex Rating Area 4
CT New Haven Rating Area 5
CT New London Rating Area 6
CT Tolland Rating Area 7
CT Windham Rating Area 8
DC District of Columbia Rating Area 1
DE Kent Rating Area 1
DE New Castle Rating Area 1
DE Sussex Rating Area 1
FL Alachua Rating Area 1
FL Baker Rating Area 2
FL Bay Rating Area 3
FL Bradford Rating Area 4
FL Brevard Rating Area 5
FL Broward Rating Area 6
FL Calhoun Rating Area 7
FL Charlotte Rating Area 8
FL Citrus Rating Area 9
FL Clay Rating Area 10
FL Collier Rating Area 11
FL Columbia Rating Area 12
FL De Soto Rating Area 13
FL Dixie Rating Area 14
FL Duval Rating Area 15
FL Escambia Rating Area 16
FL Flagler Rating Area 17
FL Franklin Rating Area 18
FL Gadsden Rating Area 19
FL Gilchrist Rating Area 20
FL Glades Rating Area 21
FL Gulf Rating Area 22
FL Hamilton Rating Area 23
FL Hardee Rating Area 24
FL Hendry Rating Area 25
FL Hernando Rating Area 26
FL Highlands Rating Area 27
FL Hillsborough Rating Area 28
FL Holmes Rating Area 29
FL Indian River Rating Area 30
FL Jackson Rating Area 31
FL Jefferson Rating Area 32
FL Lafayette Rating Area 33
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FL Nassau Rating Area 45
FL Okaloosa Rating Area 46
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FL Putnam Rating Area 54
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FL Seminole Rating Area 57
FL St. Johns Rating Area 58
FL St. Lucie Rating Area 59
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FL Suwannee Rating Area 61
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FL Volusia Rating Area 64
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FL Walton Rating Area 66
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GA Baker Rating Area 1
GA Calhoun Rating Area 1
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GA Lee Rating Area 1
GA Mitchell Rating Area 1
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GA Schley Rating Area 1
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GA Worth Rating Area 1
GA Barrow Rating Area 2
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GA Jackson Rating Area 2
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GA Oconee Rating Area 2
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GA Bartow Rating Area 3
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GA Cherokee Rating Area 3
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GA Fayette Rating Area 3
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GA Henry Rating Area 3
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GA Pike Rating Area 3
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GA Spalding Rating Area 3
GA Walton Rating Area 3
GA Carroll Rating Area 4
GA Haralson Rating Area 4
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GA Burke Rating Area 5
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GA Jenkins Rating Area 5
GA Lincoln Rating Area 5
GA Mc Duffie Rating Area 5
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GA Taliaferro Rating Area 5
GA Warren Rating Area 5
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GA Bacon Rating Area 6
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GA Mc Intosh Rating Area 6
GA Pierce Rating Area 6
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GA Wayne Rating Area 6
GA Catoosa Rating Area 7
GA Dade Rating Area 7
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GA Chattahoochee Rating Area 8
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GA Marion Rating Area 8
GA Meriwether Rating Area 8
GA Muscogee Rating Area 8
GA Quitman Rating Area 8
GA Stewart Rating Area 8
GA Talbot Rating Area 8
GA Taylor Rating Area 8
GA Troup Rating Area 8
GA Upson Rating Area 8
GA Webster Rating Area 8
GA Fannin Rating Area 9
GA Murray Rating Area 9
GA Whitfield Rating Area 9
GA Banks Rating Area 10
GA Dawson Rating Area 10
GA Franklin Rating Area 10
GA Habersham Rating Area 10
GA Hall Rating Area 10
GA Hart Rating Area 10
GA Lumpkin Rating Area 10
GA Rabun Rating Area 10
GA Stephens Rating Area 10
GA Towns Rating Area 10
GA Union Rating Area 10
GA White Rating Area 10
GA Atkinson Rating Area 11
GA Coffee Rating Area 11
GA Jeff Davis Rating Area 11
GA Johnson Rating Area 11
GA Laurens Rating Area 11
GA Montgomery Rating Area 11
GA Telfair Rating Area 11
GA Toombs Rating Area 11
GA Treutlen Rating Area 11
GA Wheeler Rating Area 11
GA Bibb Rating Area 12
GA Bleckley Rating Area 12
GA Crawford Rating Area 12
GA Dodge Rating Area 12
GA Dooly Rating Area 12
GA Houston Rating Area 12
GA Jones Rating Area 12
GA Monroe Rating Area 12
GA Peach Rating Area 12
GA Pulaski Rating Area 12
GA Putnam Rating Area 12
GA Twiggs Rating Area 12
GA Wilcox Rating Area 12
GA Chattooga Rating Area 13
GA Floyd Rating Area 13
GA Gilmer Rating Area 13
GA Gordon Rating Area 13
GA Pickens Rating Area 13
GA Polk Rating Area 13
GA Appling Rating Area 14
GA Bryan Rating Area 14
GA Bulloch Rating Area 14
GA Candler Rating Area 14
GA Chatham Rating Area 14
GA Effingham Rating Area 14
GA Evans Rating Area 14
GA Liberty Rating Area 14
GA Long Rating Area 14
GA Screven Rating Area 14
GA Tattnall Rating Area 14
GA Ben Hill Rating Area 15
GA Berrien Rating Area 15
GA Brooks Rating Area 15
GA Clinch Rating Area 15
GA Colquitt Rating Area 15
GA Cook Rating Area 15
GA Decatur Rating Area 15
GA Early Rating Area 15
GA Echols Rating Area 15
GA Grady Rating Area 15
GA Irwin Rating Area 15
GA Lanier Rating Area 15
GA Lowndes Rating Area 15
GA Miller Rating Area 15
GA Seminole Rating Area 15
GA Thomas Rating Area 15
GA Tift Rating Area 15
GA Turner Rating Area 15
GA Baldwin Rating Area 16
GA Hancock Rating Area 16
GA Washington Rating Area 16
GA Wilkinson Rating Area 16
GA Walker Rating Area 7
HI Honolulu Rating Area 1
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IA Boone Rating Area 1
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IA Dallas Rating Area 2
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IA Adair Rating Area 4
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IA Benton Rating Area 6
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IA Iowa Rating Area 6
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IA Linn Rating Area 6
IA Scott Rating Area 6
IA Allamakee Rating Area 7
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IA Butler Rating Area 7
IA Cerro Gordo Rating Area 7
IA Chickasaw Rating Area 7
IA Emmet Rating Area 7
IA Fayette Rating Area 7
IA Floyd Rating Area 7
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IA Hancock Rating Area 7
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IA Humboldt Rating Area 7
IA Kossuth Rating Area 7
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IA Winnebago Rating Area 7
IA Winneshiek Rating Area 7
IA Worth Rating Area 7
IA Wright Rating Area 7
ID Bannock Rating Area 1
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ID Blaine Rating Area 2
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ID Lincoln Rating Area 2
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ID Bonneville Rating Area 3
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ID Jerome Rating Area 3
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ID Teton Rating Area 3
ID Clearwater Rating Area 4
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ID ADA Rating Area 6
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IL Cook Rating Area 1
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IL McHenry Rating Area 2
IL Dupage Rating Area 3
IL Kane Rating Area 3
IL Grundy Rating Area 4
IL Kankakee Rating Area 4
IL Kendall Rating Area 4
IL Will Rating Area 4
IL Boone Rating Area 5
IL Carroll Rating Area 5
IL DeKalb Rating Area 5
IL Jo Daviess Rating Area 5
IL Lee Rating Area 5
IL Ogle Rating Area 5
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IL Winnebago Rating Area 5
IL Bureau Rating Area 6
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IL Henderson Rating Area 6
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IL Mercer Rating Area 6
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IL Whiteside Rating Area 6
IL Knox Rating Area 7
IL LaSalle Rating Area 7
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IL McDonough Rating Area 7
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IL Stark Rating Area 7
IL Tazewell Rating Area 7
IL Woodford Rating Area 7
IL Fulton Rating Area 7
IL McLean Rating Area 8
IL Livingston Rating Area 8
IL DeWitt Rating Area 8
IL Champaign Rating Area 9
IL Coles Rating Area 9
IL Douglas Rating Area 9
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IL Piatt Rating Area 9
IL Ford Rating Area 9
IL Iroquois Rating Area 9
IL Vermillion Rating Area 9
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IL Cumberland Rating Area 9
IL Adams Rating Area 10
IL Brown Rating Area 10
IL Cass Rating Area 10
IL Christian Rating Area 10
IL Logan Rating Area 10
IL Macon Rating Area 10
IL Mason Rating Area 10
IL Menard Rating Area 10
IL Morgan Rating Area 10
IL Moultrie Rating Area 10
IL Pike Rating Area 10
IL Sangamon Rating Area 10
IL Schuyler Rating Area 10
IL Scott Rating Area 10
IL Shelby Rating Area 10
IL Bond Rating Area 11
IL Calhoun Rating Area 11
IL Clinton Rating Area 11
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IL Jersey Rating Area 11
IL Macoupin Rating Area 11
IL Montgomery Rating Area 11
IL Randolph Rating Area 11
IL Washington Rating Area 11
IL Madison Rating Area 12
IL Monroe Rating Area 12
IL St. Clair Rating Area 12
IL Alexander Rating Area 13
IL Clay Rating Area 13
IL Crawford Rating Area 13
IL Edwards Rating Area 13
IL Effingham Rating Area 13
IL Fayette Rating Area 13
IL Franklin Rating Area 13
IL Gallatin Rating Area 13
IL Hamilton Rating Area 13
IL Hardin Rating Area 13
IL Jackson Rating Area 13
IL Jasper Rating Area 13
IL Jefferson Rating Area 13
IL Johnson Rating Area 13
IL Lawrence Rating Area 13
IL Marion Rating Area 13
IL Massac Rating Area 13
IL Perry Rating Area 13
IL Pope Rating Area 13
IL Pulaski Rating Area 13
IL Richland Rating Area 13
IL Saline Rating Area 13
IL Union Rating Area 13
IL Wabash Rating Area 13
IL Wayne Rating Area 13
IL White Rating Area 13
IL Williamson Rating Area 13
IN Lake Rating Area 1
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IN Porter Rating Area 1
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IN De Kalb Rating Area 3
IN Huntington Rating Area 3
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IN Wabash Rating Area 3
IN Wells Rating Area 3
IN Whitley Rating Area 3
IN Allen Rating Area 4
IN Benton Rating Area 5
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IN Newton Rating Area 5
IN Warren Rating Area 5
IN White Rating Area 5
IN Cass Rating Area 6
IN Fulton Rating Area 6
IN Howard Rating Area 6
IN Miami Rating Area 6
IN Pulaski Rating Area 6
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IN Montgomery Rating Area 7
IN Putnam Rating Area 7
IN Tippecanoe Rating Area 7
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IN Blackford Rating Area 8
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IN Clay Rating Area 9
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IN Vermillion Rating Area 9
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IN Marion Rating Area 10
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IN Hendricks Rating Area 10
IN Fayette Rating Area 11
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IN Bartholomew Rating Area 12
IN Decatur Rating Area 12
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IN Brown Rating Area 13
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IN Owen Rating Area 13
IN Dearborn Rating Area 14
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IN Ohio Rating Area 14
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IN Knox Rating Area 15
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IN Orange Rating Area 15
IN Perry Rating Area 15
IN Pike Rating Area 15
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IN Clark Rating Area 16
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IN Floyd Rating Area 16
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KS Leavenworth Rating Area 1
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KS Graham Rating Area 4
KS Rooks Rating Area 4
KS Osborne Rating Area 4
KS Wallace Rating Area 4
KS Logan Rating Area 4
KS Gove Rating Area 4
KS Trego Rating Area 4
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KS Greeley Rating Area 4
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KS Scott Rating Area 4
KS Lane Rating Area 4
KS Ness Rating Area 4
KS Rush Rating Area 4
KS Barton Rating Area 4
KS Hamilton Rating Area 5
KS Kearny Rating Area 5
KS Finney Rating Area 5
KS Hodgeman Rating Area 5
KS Pawnee Rating Area 5
KS Stafford Rating Area 5
KS Stanton Rating Area 5
KS Grant Rating Area 5
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KS Ford Rating Area 5
KS Edwards Rating Area 5
KS Kiowa Rating Area 5
KS Pratt Rating Area 5
KS Morton Rating Area 5
KS Stevens Rating Area 5
KS Seward Rating Area 5
KS Meade Rating Area 5
KS Clark Rating Area 5
KS Comanche Rating Area 5
KS Barber Rating Area 5
KS Rice Rating Area 6
KS Reno Rating Area 6
KS Kingman Rating Area 6
KS Harper Rating Area 6
KS McPherson Rating Area 6
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KS Sedgwick Rating Area 6
KS Sumner Rating Area 6
KS Marion Rating Area 6
KS Butler Rating Area 6
KS Cowley Rating Area 6
KS Chase Rating Area 6
KS Greenwood Rating Area 6
KS Elk Rating Area 6
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KS Wilson Rating Area 6
KS Montgomery Rating Area 6
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WI Iowa Rating Area 7
WI LaFayette Rating Area 7
WI Barron Rating Area 8
WI Rusk Rating Area 8
WI Price Rating Area 8
WI Taylor Rating Area 8
WI Clark Rating Area 8
WI Racine Rating Area 9
WI Kenosha Rating Area 9
WI Lincoln Rating Area 10
WI Marathon Rating Area 10
WI Wood Rating Area 10
WI Portage Rating Area 10
WI Waupaca Rating Area 11
WI Outagamie Rating Area 11
WI Waushara Rating Area 11
WI Winnebago Rating Area 11
WI Calumet Rating Area 11
WI Fond du Lac Rating Area 11
WI Sheboygan Rating Area 11
WI Dodge Rating Area 11
WI Washington Rating Area 12
WI Ozaukee Rating Area 12
WI Waukesha Rating Area 12
WI Iron Rating Area 13
WI Vilas Rating Area 13
WI Oneida Rating Area 13
WI Forest Rating Area 13
WI Florence Rating Area 13
WI Langlade Rating Area 13
WI Green Rating Area 14
WI Rock Rating Area 14
WI Walworth Rating Area 14
WI Jefferson Rating Area 14
WI Columbia Rating Area 14
WI Juneau Rating Area 15
WI Adams Rating Area 15
WI Marquette Rating Area 15
WI Green Lake Rating Area 15
WI Richland Rating Area 15
WI Sauk Rating Area 15
WI Marinette Rating Area 16
WI Oconto Rating Area 16
WI Menominee Rating Area 16
WI Shawano Rating Area 16
WI Brown Rating Area 16
WI Manitowoc Rating Area 16
WI Kewaunee Rating Area 16
WI Door Rating Area 16
WV Braxton Rating Area 1
WV Calhoun Rating Area 1
WV Clay Rating Area 1
WV Fayette Rating Area 1
WV Greenbrier Rating Area 1
WV Nicholas Rating Area 1
WV Roane Rating Area 1
WV Kanawha Rating Area 2
WV Boone Rating Area 3
WV Lincoln Rating Area 3
WV Logan Rating Area 3
WV Mc Dowell Rating Area 3
WV Mingo Rating Area 3
WV Wyoming Rating Area 3
WV Mercer Rating Area 4
WV Monroe Rating Area 4
WV Raleigh Rating Area 4
WV Summers Rating Area 4
WV Cabell Rating Area 5
WV Mason Rating Area 5
WV Putnam Rating Area 5
WV Wayne Rating Area 5
WV Berkeley Rating Area 6
WV Jefferson Rating Area 6
WV Grant Rating Area 7
WV Hampshire Rating Area 7
WV Hardy Rating Area 7
WV Mineral Rating Area 7
WV Morgan Rating Area 7
WV Pendleton Rating Area 7
WV Doddridge Rating Area 8
WV Gilmer Rating Area 8
WV Lewis Rating Area 8
WV Marion Rating Area 8
WV Monongalia Rating Area 8
WV Wetzel Rating Area 8
WV Barbour Rating Area 9
WV Harrison Rating Area 9
WV Pocahontas Rating Area 9
WV Preston Rating Area 9
WV Randolph Rating Area 9
WV Taylor Rating Area 9
WV Tucker Rating Area 9
WV Upshur Rating Area 9
WV Webster Rating Area 9
WV Jackson Rating Area 10
WV Pleasants Rating Area 10
WV Ritchie Rating Area 10
WV Tyler Rating Area 10
WV Wirt Rating Area 10
WV Wood Rating Area 10
WV Brooke Rating Area 11
WV Hancock Rating Area 11
WV Marshall Rating Area 11
WV Ohio Rating Area 11
WY Natrona Rating Area 1
WY Laramie Rating Area 2
WY Albany Rating Area 3
WY Big Horn Rating Area 3
WY Campbell Rating Area 3
WY Carbon Rating Area 3
WY Converse Rating Area 3
WY Crook Rating Area 3
WY Fremont Rating Area 3
WY Goshen Rating Area 3
WY Hot Springs Rating Area 3
WY Johnson Rating Area 3
WY Lincoln Rating Area 3
WY Niobrara Rating Area 3
WY Park Rating Area 3
WY Platte Rating Area 3
WY Sheridan Rating Area 3
WY Sublette Rating Area 3
WY Sweetwater Rating Area 3
WY Teton Rating Area 3
NATIONAL GUARDIAN LIFE INSURANCE CO
RATE MANUAL
POLICY FORM NBH-280(2016) VT
VERMONTRATING AREA FACTORS
AK Rating Area 1 AKRating Area 1 0.898121
AK Rating Area 2 AKRating Area 2 0.872466
AK Rating Area 3 AKRating Area 3 0.952063
AL Rating Area 1 ALRating Area 1 0.927637
AL Rating Area 10 ALRating Area 10 0.921947
AL Rating Area 11 ALRating Area 11 0.885876
AL Rating Area 12 ALRating Area 12 0.965086
AL Rating Area 13 ALRating Area 13 0.893829
AL Rating Area 2 ALRating Area 2 0.765642
AL Rating Area 3 ALRating Area 3 0.925655
AL Rating Area 4 ALRating Area 4 0.931158
AL Rating Area 5 ALRating Area 5 0.89393
AL Rating Area 6 ALRating Area 6 0.886705
AL Rating Area 7 ALRating Area 7 0.880849
AL Rating Area 8 ALRating Area 8 1.021116
AL Rating Area 9 ALRating Area 9 0.928825
AR Rating Area 1 ARRating Area 1 0.854076
AR Rating Area 2 ARRating Area 2 0.910032
AR Rating Area 3 ARRating Area 3 0.794295
AR Rating Area 4 ARRating Area 4 0.84667
AR Rating Area 5 ARRating Area 5 0.934859
AR Rating Area 6 ARRating Area 6 0.909252
AR Rating Area 7 ARRating Area 7 0.850272
AZ Rating Area 1 AZRating Area 1 0.939707
AZ Rating Area 2 AZRating Area 2 0.813733
AZ Rating Area 3 AZRating Area 3 0.983085
AZ Rating Area 4 AZRating Area 4 0.953074
AZ Rating Area 5 AZRating Area 5 0.952267
AZ Rating Area 6 AZRating Area 6 0.819267
AZ Rating Area 7 AZRating Area 7 0.788941
CA Rating Area 1 CARating Area 1 0.9411
CA Rating Area 10 CARating Area 10 1.052095
CA Rating Area 11 CARating Area 11 1.044703
CA Rating Area 12 CARating Area 12 0.987108
CA Rating Area 13 CARating Area 13 1.067042
CA Rating Area 14 CARating Area 14 1.126868
CA Rating Area 16 CARating Area 16 1.362086CA Rating Area 17 CARating Area 17 1.108946
CA Rating Area 18 CARating Area 18 1.162726
CA Rating Area 19 CARating Area 19 1.039405
CA Rating Area 2 CARating Area 2 1.010245
CA Rating Area 3 CARating Area 3 0.993973
CA Rating Area 4 CARating Area 4 1.108198
CA Rating Area 5 CARating Area 5 1.105296
CA Rating Area 6 CARating Area 6 1.160506
CA Rating Area 7 CARating Area 7 1.084862
CA Rating Area 8 CARating Area 8 0.98667
CA Rating Area 9 CARating Area 9 0.974527
CO Rating Area 1 CORating Area 1 0.827095
CO Rating Area 2 CORating Area 2 0.813998
CO Rating Area 3 CORating Area 3 0.936217
CO Rating Area 4 CORating Area 4 0.802706
CO Rating Area 5 CORating Area 5 0.707169
CO Rating Area 6 CORating Area 6 0.870572
CO Rating Area 7 CORating Area 7 0.871481
CO Rating Area 8 CORating Area 8 0.855849
CO Rating Area 9 CORating Area 9 0.744383
CT Rating Area 1 CTRating Area 1 1.206729
CT Rating Area 2 CTRating Area 2 1.12421
CT Rating Area 3 CTRating Area 3 1.06417
CT Rating Area 4 CTRating Area 4 1.094223
CT Rating Area 5 CTRating Area 5 1.278595
CT Rating Area 6 CTRating Area 6 1.12652
CT Rating Area 7 CTRating Area 7 1.036627
46
NATIONAL GUARDIAN LIFE INSURANCE CO
RATE MANUAL
POLICY FORM NBH-280(2016) VT
VERMONTRATING AREA FACTORS
CT Rating Area 8 CTRating Area 8 1.116389
DC Rating Area 1 DCRating Area 1 1.193768
DE Rating Area 1 DERating Area 1 1.042242
FL Rating Area 1 FLRating Area 1 1.051074
FL Rating Area 10 FLRating Area 10 1.066244
FL Rating Area 11 FLRating Area 11 0.953257
FL Rating Area 12 FLRating Area 12 1.100277
FL Rating Area 13 FLRating Area 13 1.101291
FL Rating Area 14 FLRating Area 14 1.132563
FL Rating Area 15 FLRating Area 15 1.225544
FL Rating Area 16 FLRating Area 16 0.997693
FL Rating Area 17 FLRating Area 17 0.966635
FL Rating Area 18 FLRating Area 18 0.925757
FL Rating Area 19 FLRating Area 19 0.912763
FL Rating Area 2 FLRating Area 2 1.168882
FL Rating Area 20 FLRating Area 20 1.025157
FL Rating Area 21 FLRating Area 21 1.140542
FL Rating Area 22 FLRating Area 22 1.004551
FL Rating Area 23 FLRating Area 23 0.978318
FL Rating Area 24 FLRating Area 24 1.035998
FL Rating Area 25 FLRating Area 25 1.148777
FL Rating Area 26 FLRating Area 26 1.063673
FL Rating Area 27 FLRating Area 27 1.169419
FL Rating Area 28 FLRating Area 28 1.191484
FL Rating Area 29 FLRating Area 29 1.018802
FL Rating Area 3 FLRating Area 3 1.06705
FL Rating Area 30 FLRating Area 30 1.007826
FL Rating Area 31 FLRating Area 31 0.984614
FL Rating Area 32 FLRating Area 32 1.053909
FL Rating Area 33 FLRating Area 33 1.026363
FL Rating Area 34 FLRating Area 34 1.019657
FL Rating Area 35 FLRating Area 35 1.012295
FL Rating Area 36 FLRating Area 36 0.965153
FL Rating Area 37 FLRating Area 37 1.003936
FL Rating Area 38 FLRating Area 38 0.8877
FL Rating Area 39 FLRating Area 39 0.94044
FL Rating Area 4 FLRating Area 4 1.132058
FL Rating Area 40 FLRating Area 40 1.044433
FL Rating Area 41 FLRating Area 41 1.005703
FL Rating Area 42 FLRating Area 42 1.045702
FL Rating Area 43 FLRating Area 43 1.590119
FL Rating Area 44 FLRating Area 44 0.962845
FL Rating Area 45 FLRating Area 45 0.971779
FL Rating Area 46 FLRating Area 46 0.931551
FL Rating Area 47 FLRating Area 47 1.220646
FL Rating Area 48 FLRating Area 48 1.16955
FL Rating Area 49 FLRating Area 49 1.069931
FL Rating Area 5 FLRating Area 5 1.037883
FL Rating Area 50 FLRating Area 50 1.262188
FL Rating Area 51 FLRating Area 51 1.111109
FL Rating Area 52 FLRating Area 52 1.185028
FL Rating Area 53 FLRating Area 53 1.071292
FL Rating Area 54 FLRating Area 54 1.057957
FL Rating Area 55 FLRating Area 55 0.954324
FL Rating Area 56 FLRating Area 56 0.975304
FL Rating Area 57 FLRating Area 57 1.146889
FL Rating Area 58 FLRating Area 58 1.001924
FL Rating Area 59 FLRating Area 59 1.118817
FL Rating Area 6 FLRating Area 6 1.333405
FL Rating Area 60 FLRating Area 60 0.928726
FL Rating Area 61 FLRating Area 61 0.981997
FL Rating Area 62 FLRating Area 62 0.845278
FL Rating Area 63 FLRating Area 63 1.120585
47
NATIONAL GUARDIAN LIFE INSURANCE CO
RATE MANUAL
POLICY FORM NBH-280(2016) VT
VERMONTRATING AREA FACTORS
FL Rating Area 64 FLRating Area 64 1.010051
FL Rating Area 65 FLRating Area 65 0.925941
FL Rating Area 66 FLRating Area 66 0.905327
FL Rating Area 67 FLRating Area 67 0.949933
FL Rating Area 7 FLRating Area 7 1.020233
FL Rating Area 8 FLRating Area 8 1.033177
FL Rating Area 9 FLRating Area 9 0.942065
GA Rating Area 1 GARating Area 1 0.928109
GA Rating Area 10 GARating Area 10 0.884115
GA Rating Area 11 GARating Area 11 0.995261
GA Rating Area 12 GARating Area 12 1.017309
GA Rating Area 13 GARating Area 13 0.941809
GA Rating Area 14 GARating Area 14 0.947019
GA Rating Area 15 GARating Area 15 0.966812
GA Rating Area 16 GARating Area 16 0.932202
GA Rating Area 2 GARating Area 2 0.891573
GA Rating Area 3 GARating Area 3 0.963403
GA Rating Area 4 GARating Area 4 0.952832
GA Rating Area 5 GARating Area 5 0.923463
GA Rating Area 6 GARating Area 6 0.979225
GA Rating Area 7 GARating Area 7 0.943277
GA Rating Area 8 GARating Area 8 0.947128
GA Rating Area 9 GARating Area 9 0.84912
HI Rating Area 1 HIRating Area 1 0.758087
IA Rating Area 1 IARating Area 1 0.809784
IA Rating Area 2 IARating Area 2 0.771744
IA Rating Area 3 IARating Area 3 0.851686
IA Rating Area 4 IARating Area 4 0.932851
IA Rating Area 5 IARating Area 5 0.846521
IA Rating Area 6 IARating Area 6 0.867518
IA Rating Area 7 IARating Area 7 0.898212
ID Rating Area 1 IDRating Area 1 0.745985
ID Rating Area 2 IDRating Area 2 0.791396
ID Rating Area 3 IDRating Area 3 0.794972
ID Rating Area 4 IDRating Area 4 0.848227
ID Rating Area 5 IDRating Area 5 0.857117
ID Rating Area 6 IDRating Area 6 0.895374
IL Rating Area 1 ILRating Area 1 1.141469
IL Rating Area 10 ILRating Area 10 0.919223
IL Rating Area 11 ILRating Area 11 0.936718
IL Rating Area 12 ILRating Area 12 0.972977
IL Rating Area 13 ILRating Area 13 0.951262
IL Rating Area 2 ILRating Area 2 0.986557
IL Rating Area 3 ILRating Area 3 0.993033
IL Rating Area 4 ILRating Area 4 1.063674
IL Rating Area 5 ILRating Area 5 0.912996
IL Rating Area 6 ILRating Area 6 0.902575
IL Rating Area 7 ILRating Area 7 0.877769
IL Rating Area 8 ILRating Area 8 0.82365
IL Rating Area 9 ILRating Area 9 0.946425
IN Rating Area 1 INRating Area 1 1.146516
IN Rating Area 10 INRating Area 10 1.031872
IN Rating Area 11 INRating Area 11 0.978862
IN Rating Area 12 INRating Area 12 0.889107
IN Rating Area 13 INRating Area 13 0.844748
IN Rating Area 14 INRating Area 14 0.89112
IN Rating Area 15 INRating Area 15 0.911922
IN Rating Area 16 INRating Area 16 0.98812
IN Rating Area 17 INRating Area 17 0.983433
IN Rating Area 2 INRating Area 2 0.895472
IN Rating Area 3 INRating Area 3 0.851497
IN Rating Area 4 INRating Area 4 0.935643
IN Rating Area 5 INRating Area 5 0.953456
48
NATIONAL GUARDIAN LIFE INSURANCE CO
RATE MANUAL
POLICY FORM NBH-280(2016) VT
VERMONTRATING AREA FACTORS
IN Rating Area 6 INRating Area 6 0.965515
IN Rating Area 7 INRating Area 7 0.967588
IN Rating Area 8 INRating Area 8 0.98196
IN Rating Area 9 INRating Area 9 1.031604
KS Rating Area 1 KSRating Area 1 0.956423
KS Rating Area 2 KSRating Area 2 0.892276
KS Rating Area 3 KSRating Area 3 0.886071
KS Rating Area 4 KSRating Area 4 1.101647
KS Rating Area 5 KSRating Area 5 0.932479
KS Rating Area 6 KSRating Area 6 0.896216
KS Rating Area 7 KSRating Area 7 0.951732
KY Rating Area 1 KYRating Area 1 0.871631
KY Rating Area 2 KYRating Area 2 0.907687
KY Rating Area 3 KYRating Area 3 0.93064
KY Rating Area 4 KYRating Area 4 0.935421
KY Rating Area 5 KYRating Area 5 0.92315
KY Rating Area 6 KYRating Area 6 1.004032
KY Rating Area 7 KYRating Area 7 0.926391
KY Rating Area 8 KYRating Area 8 0.916491
LA Rating Area 1 LARating Area 1 1.11401
LA Rating Area 2 LARating Area 2 0.93929
LA Rating Area 3 LARating Area 3 1.03574
LA Rating Area 4 LARating Area 4 0.994332
LA Rating Area 5 LARating Area 5 1.122032
LA Rating Area 6 LARating Area 6 1.081944
LA Rating Area 7 LARating Area 7 1.176404
LA Rating Area 8 LARating Area 8 1.137309
MA Rating Area 1 MARating Area 1 1.021645
MA Rating Area 2 MARating Area 2 1.140212
MA Rating Area 3 MARating Area 3 0.989692
MA Rating Area 4 MARating Area 4 1.115183
MA Rating Area 5 MARating Area 5 1.241388
MA Rating Area 6 MARating Area 6 1.149784
MA Rating Area 7 MARating Area 7 1.136381
MD Rating Area 1 MDRating Area 1 1.273553
MD Rating Area 2 MDRating Area 2 1.130501
MD Rating Area 3 MDRating Area 3 1.094078
MD Rating Area 4 MDRating Area 4 1.096504
ME Rating Area 1 MERating Area 1 0.876901
ME Rating Area 2 MERating Area 2 0.833077
ME Rating Area 3 MERating Area 3 0.885166
ME Rating Area 4 MERating Area 4 0.90778
MI Rating Area 1 MIRating Area 1 1.257353
MI Rating Area 10 MIRating Area 10 0.9497
MI Rating Area 11 MIRating Area 11 0.876702
MI Rating Area 12 MIRating Area 12 0.917595
MI Rating Area 13 MIRating Area 13 0.893726
MI Rating Area 14 MIRating Area 14 0.866716
MI Rating Area 15 MIRating Area 15 0.900502
MI Rating Area 16 MIRating Area 16 0.81181
MI Rating Area 2 MIRating Area 2 1.161347
MI Rating Area 3 MIRating Area 3 0.963667
MI Rating Area 4 MIRating Area 4 0.974715
MI Rating Area 5 MIRating Area 5 1.217268
MI Rating Area 6 MIRating Area 6 1.006058
MI Rating Area 7 MIRating Area 7 1.010428
MI Rating Area 8 MIRating Area 8 1.031891
MI Rating Area 9 MIRating Area 9 0.87126
MN Rating Area 1 MNRating Area 1 0.892491
MN Rating Area 2 MNRating Area 2 0.866372
MN Rating Area 3 MNRating Area 3 0.848469
MN Rating Area 4 MNRating Area 4 0.967246
MN Rating Area 5 MNRating Area 5 0.948608
49
NATIONAL GUARDIAN LIFE INSURANCE CO
RATE MANUAL
POLICY FORM NBH-280(2016) VT
VERMONTRATING AREA FACTORS
MN Rating Area 6 MNRating Area 6 0.898903
MN Rating Area 7 MNRating Area 7 0.872089
MN Rating Area 8 MNRating Area 8 0.940493
MN Rating Area 9 MNRating Area 9 0.978324
MO Rating Area 1 MORating Area 1 1.004813
MO Rating Area 10 MORating Area 100.884873
MO Rating Area 2 MORating Area 2 0.949369
MO Rating Area 3 MORating Area 3 0.984347
MO Rating Area 4 MORating Area 4 0.902434
MO Rating Area 5 MORating Area 5 0.828342
MO Rating Area 6 MORating Area 6 1.031853
MO Rating Area 7 MORating Area 7 0.892817
MO Rating Area 8 MORating Area 8 0.811323
MO Rating Area 9 MORating Area 9 0.851892
MS Rating Area 1 MSRating Area 1 0.998272
MS Rating Area 2 MSRating Area 2 0.902512
MS Rating Area 3 MSRating Area 3 0.991411
MS Rating Area 4 MSRating Area 4 1.032055
MS Rating Area 5 MSRating Area 5 0.971903
MS Rating Area 6 MSRating Area 6 1.045156
MT Rating Area 1 MTRating Area 1 0.809993
MT Rating Area 2 MTRating Area 2 0.761265
MT Rating Area 3 MTRating Area 3 0.73182
MT Rating Area 4 MTRating Area 4 0.791967
NC Rating Area 1 NCRating Area 1 0.788921
NC Rating Area 10 NCRating Area 10 0.96391
NC Rating Area 11 NCRating Area 11 0.964859
NC Rating Area 12 NCRating Area 12 0.973755
NC Rating Area 13 NCRating Area 13 0.892222
NC Rating Area 14 NCRating Area 14 0.997019
NC Rating Area 15 NCRating Area 15 0.921005
NC Rating Area 16 NCRating Area 16 0.89175
NC Rating Area 2 NCRating Area 2 0.89678
NC Rating Area 3 NCRating Area 3 0.897686
NC Rating Area 4 NCRating Area 4 0.949149
NC Rating Area 5 NCRating Area 5 0.956655
NC Rating Area 6 NCRating Area 6 0.97885
NC Rating Area 7 NCRating Area 7 0.915425
NC Rating Area 8 NCRating Area 8 0.918572
NC Rating Area 9 NCRating Area 9 1.013666
ND Rating Area 1 NDRating Area 1 0.814051
ND Rating Area 2 NDRating Area 2 0.848926
ND Rating Area 3 NDRating Area 3 0.941999
ND Rating Area 4 NDRating Area 4 0.846858
NE Rating Area 1 NERating Area 1 0.911142
NE Rating Area 2 NERating Area 2 0.91102
NE Rating Area 3 NERating Area 3 0.964365
NE Rating Area 4 NERating Area 4 0.96876
NH Rating Area 1 NHRating Area 1 0.896982
NJ Rating Area 1 NJRating Area 1 1.191337
NM Rating Area 1 NMRating Area 1 0.751626
NM Rating Area 2 NMRating Area 2 0.935467
NM Rating Area 3 NMRating Area 3 0.845566
NM Rating Area 4 NMRating Area 4 0.644964
NM Rating Area 5 NMRating Area 5 0.828579
NV Rating Area 1 NVRating Area 1 1.101156
NV Rating Area 2 NVRating Area 2 0.846901
NV Rating Area 3 NVRating Area 3 0.878456
NV Rating Area 4 NVRating Area 4 0.970623
NY Rating Area 1 NYRating Area 1 0.855715
NY Rating Area 2 NYRating Area 2 0.869708
NY Rating Area 3 NYRating Area 3 1.067352
NY Rating Area 4 NYRating Area 4 1.355953
50
NATIONAL GUARDIAN LIFE INSURANCE CO
RATE MANUAL
POLICY FORM NBH-280(2016) VT
VERMONTRATING AREA FACTORS
NY Rating Area 5 NYRating Area 5 0.881014
NY Rating Area 6 NYRating Area 6 0.8692
NY Rating Area 7 NYRating Area 7 0.87144
NY Rating Area 8 NYRating Area 8 1.271569
OH Rating Area 1 OHRating Area 1 0.956
OH Rating Area 10 OHRating Area 10 0.956
OH Rating Area 11 OHRating Area 11 0.956
OH Rating Area 12 OHRating Area 12 0.956
OH Rating Area 13 OHRating Area 13 0.956
OH Rating Area 14 OHRating Area 14 0.956
OH Rating Area 15 OHRating Area 15 0.956
OH Rating Area 16 OHRating Area 16 0.956
OH Rating Area 17 OHRating Area 17 0.956
OH Rating Area 2 OHRating Area 2 0.956
OH Rating Area 3 OHRating Area 3 0.956
OH Rating Area 4 OHRating Area 4 0.956
OH Rating Area 5 OHRating Area 5 0.956
OH Rating Area 6 OHRating Area 6 0.956
OH Rating Area 7 OHRating Area 7 0.956
OH Rating Area 8 OHRating Area 8 0.956
OH Rating Area 9 OHRating Area 9 0.956
OK Rating Area 1 OKRating Area 1 1.000136
OK Rating Area 2 OKRating Area 2 0.909634
OK Rating Area 3 OKRating Area 3 1.012517
OK Rating Area 4 OKRating Area 4 0.935532
OK Rating Area 5 OKRating Area 5 0.982648
OR Rating Area 1 ORRating Area 1 0.831517
OR Rating Area 2 ORRating Area 2 0.766206
OR Rating Area 3 ORRating Area 3 0.836949
OR Rating Area 4 ORRating Area 4 0.783683
OR Rating Area 5 ORRating Area 5 0.844947
OR Rating Area 6 ORRating Area 6 0.85206
OR Rating Area 7 ORRating Area 7 0.764866
PA Rating Area 1 PARating Area 1 0.911972
PA Rating Area 2 PARating Area 2 0.962458
PA Rating Area 3 PARating Area 3 0.94759
PA Rating Area 4 PARating Area 4 1.013624
PA Rating Area 5 PARating Area 5 0.997062
PA Rating Area 6 PARating Area 6 1.009127
PA Rating Area 7 PARating Area 7 0.964784
PA Rating Area 8 PARating Area 8 1.164271
PA Rating Area 9 PARating Area 9 0.97054
RI Rating Area 1 RIRating Area 1 1.032953
SC Rating Area 1 SCRating Area 1 0.902467
SC Rating Area 10 SCRating Area 10 0.92423
SC Rating Area 11 SCRating Area 11 0.865901
SC Rating Area 12 SCRating Area 12 0.93534
SC Rating Area 13 SCRating Area 13 0.859344
SC Rating Area 14 SCRating Area 14 0.929881
SC Rating Area 15 SCRating Area 15 0.972072
SC Rating Area 16 SCRating Area 16 0.976736
SC Rating Area 17 SCRating Area 17 1.025578
SC Rating Area 18 SCRating Area 18 0.915201
SC Rating Area 19 SCRating Area 19 0.829854
SC Rating Area 2 SCRating Area 2 0.851883
SC Rating Area 20 SCRating Area 20 0.937539
SC Rating Area 21 SCRating Area 21 0.980532
SC Rating Area 22 SCRating Area 22 0.929534
SC Rating Area 23 SCRating Area 23 0.884152
SC Rating Area 24 SCRating Area 24 0.978948
SC Rating Area 25 SCRating Area 25 0.968238
SC Rating Area 26 SCRating Area 26 0.863542
SC Rating Area 27 SCRating Area 27 0.96397
51
NATIONAL GUARDIAN LIFE INSURANCE CO
RATE MANUAL
POLICY FORM NBH-280(2016) VT
VERMONTRATING AREA FACTORS
SC Rating Area 28 SCRating Area 28 0.891501
SC Rating Area 29 SCRating Area 29 0.952133
SC Rating Area 3 SCRating Area 3 1.071729
SC Rating Area 30 SCRating Area 30 0.930744
SC Rating Area 31 SCRating Area 31 1.019346
SC Rating Area 32 SCRating Area 32 0.861776
SC Rating Area 33 SCRating Area 33 0.860774
SC Rating Area 34 SCRating Area 34 0.914398
SC Rating Area 35 SCRating Area 35 0.961589
SC Rating Area 36 SCRating Area 36 0.87837
SC Rating Area 37 SCRating Area 37 0.845876
SC Rating Area 38 SCRating Area 38 0.972459
SC Rating Area 39 SCRating Area 39 0.896551
SC Rating Area 4 SCRating Area 4 0.940421
SC Rating Area 40 SCRating Area 40 0.901788
SC Rating Area 41 SCRating Area 41 1.049624
SC Rating Area 42 SCRating Area 42 0.876084
SC Rating Area 43 SCRating Area 43 0.972897
SC Rating Area 44 SCRating Area 44 0.961026
SC Rating Area 45 SCRating Area 45 0.955457
SC Rating Area 46 SCRating Area 46 0.851145
SC Rating Area 5 SCRating Area 5 1.00766
SC Rating Area 6 SCRating Area 6 0.888821
SC Rating Area 7 SCRating Area 7 0.824708
SC Rating Area 8 SCRating Area 8 0.914672
SC Rating Area 9 SCRating Area 9 1.006879
SD Rating Area 1 SDRating Area 1 0.843817
SD Rating Area 2 SDRating Area 2 0.849606
SD Rating Area 3 SDRating Area 3 0.874311
SD Rating Area 4 SDRating Area 4 0.849572
TN Rating Area 1 TNRating Area 1 0.813444
TN Rating Area 2 TNRating Area 2 0.847147
TN Rating Area 3 TNRating Area 3 0.932862
TN Rating Area 4 TNRating Area 4 0.922714
TN Rating Area 5 TNRating Area 5 0.959992
TN Rating Area 6 TNRating Area 6 1.024071
TN Rating Area 7 TNRating Area 7 0.902631
TN Rating Area 8 TNRating Area 8 0.954144
TX Rating Area 1 TXRating Area 1 1.020935
TX Rating Area 10 TXRating Area 10 1.236075
TX Rating Area 11 TXRating Area 11 1.034133
TX Rating Area 12 TXRating Area 12 1.203442
TX Rating Area 13 TXRating Area 13 1.11832
TX Rating Area 14 TXRating Area 14 1.099889
TX Rating Area 15 TXRating Area 15 1.118745
TX Rating Area 16 TXRating Area 16 0.938183
TX Rating Area 17 TXRating Area 17 1.032615
TX Rating Area 18 TXRating Area 18 0.966709
TX Rating Area 19 TXRating Area 19 0.980761
TX Rating Area 2 TXRating Area 2 0.981302
TX Rating Area 20 TXRating Area 20 1.211475
TX Rating Area 21 TXRating Area 21 0.98988
TX Rating Area 22 TXRating Area 22 1.105851
TX Rating Area 23 TXRating Area 23 1.139945
TX Rating Area 24 TXRating Area 24 0.934566
TX Rating Area 25 TXRating Area 25 1.168688
TX Rating Area 26 TXRating Area 26 1.058855
TX Rating Area 3 TXRating Area 3 1.026468
TX Rating Area 4 TXRating Area 4 1.183031
TX Rating Area 5 TXRating Area 5 1.168161
TX Rating Area 6 TXRating Area 6 1.050497
TX Rating Area 7 TXRating Area 7 1.089885
TX Rating Area 8 TXRating Area 8 1.155405
52
NATIONAL GUARDIAN LIFE INSURANCE CO
RATE MANUAL
POLICY FORM NBH-280(2016) VT
VERMONTRATING AREA FACTORS
TX Rating Area 9 TXRating Area 9 0.943252
UT Rating Area 1 UTRating Area 1 0.863723
UT Rating Area 2 UTRating Area 2 0.856629
UT Rating Area 3 UTRating Area 3 0.88792
UT Rating Area 4 UTRating Area 4 0.879731
UT Rating Area 5 UTRating Area 5 0.83743
UT Rating Area 6 UTRating Area 6 0.817125
VA Rating Area 1 VARating Area 1 0.864208
VA Rating Area 10 VARating Area 10 0.857662
VA Rating Area 11 VARating Area 11 0.837232
VA Rating Area 12 VARating Area 12 0.85989
VA Rating Area 2 VARating Area 2 0.858126
VA Rating Area 3 VARating Area 3 0.933139
VA Rating Area 4 VARating Area 4 0.869941
VA Rating Area 5 VARating Area 5 0.829802
VA Rating Area 6 VARating Area 6 0.8559
VA Rating Area 7 VARating Area 7 0.926653
VA Rating Area 8 VARating Area 8 0.828342
VA Rating Area 9 VARating Area 9 0.925107
VT Rating Area 1 VTRating Area 1 0.859134
WA Rating Area 1 WARating Area 1 0.898928
WA Rating Area 2 WARating Area 2 0.827098
WA Rating Area 3 WARating Area 3 0.850129
WA Rating Area 4 WARating Area 4 0.895232
WA Rating Area 5 WARating Area 5 0.860769
WI Rating Area 1 WIRating Area 1 1.086686
WI Rating Area 10 WIRating Area 10 0.814716
WI Rating Area 11 WIRating Area 11 0.787618
WI Rating Area 12 WIRating Area 12 0.862736
WI Rating Area 13 WIRating Area 13 0.8207
WI Rating Area 14 WIRating Area 14 0.847594
WI Rating Area 15 WIRating Area 15 0.80274
WI Rating Area 16 WIRating Area 16 0.799076
WI Rating Area 2 WIRating Area 2 0.800246
WI Rating Area 3 WIRating Area 3 0.882412
WI Rating Area 4 WIRating Area 4 0.89094
WI Rating Area 5 WIRating Area 5 0.861687
WI Rating Area 6 WIRating Area 6 0.792459
WI Rating Area 7 WIRating Area 7 0.820732
WI Rating Area 8 WIRating Area 8 0.884228
WI Rating Area 9 WIRating Area 9 0.954079
WV Rating Area 1 WVRating Area 1 0.846511
WV Rating Area 10 WVRating Area 100.896949
WV Rating Area 11 WVRating Area 110.998037
WV Rating Area 2 WVRating Area 2 0.909549
WV Rating Area 3 WVRating Area 3 0.898939
WV Rating Area 4 WVRating Area 4 0.880727
WV Rating Area 5 WVRating Area 5 0.876095
WV Rating Area 6 WVRating Area 6 0.828134
WV Rating Area 7 WVRating Area 7 0.880454
WV Rating Area 8 WVRating Area 8 0.931209
WV Rating Area 9 WVRating Area 9 0.874103
WY Rating Area 1 WYRating Area 1 0.937025
WY Rating Area 2 WYRating Area 2 0.930449
WY Rating Area 3 WYRating Area 3 0.827431
53
Supporting Document Schedules Satisfied - Item: Transmittal Letter (A&H)Comments:Attachment(s): Cover letter - Rate Manual Filing.pdfItem Status:Status Date:
Satisfied - Item: Actuarial Memorandum and Explanatory Information (A&H)Comments:Attachment(s): NBH-280 (2016) PA PPO REV 2018 Actuarial memo 2018.pdfItem Status:Status Date:
SERFF Tracking #: NGLI-131294611 State Tracking #: NGLI-131294611 Company Tracking #: 2018-19 STUDENT HEALTH FILING -RATE
State: Pennsylvania Filing Company: National Guardian Life Insurance Company
TOI/Sub-TOI: H22 Student Health Insurance/H22.000 Student Health Insurance
Product Name: Student Health Insurance
Project Name/Number: 2018-19 Student Health Filing - Rate/2018-19 Student Health Rate Filing
PDF Pipeline for SERFF Tracking Number NGLI-131294611 Generated 01/11/2018 01:42 PM
January 2, 2018 Pennsylvania Insurance Department 1326 Strawberry Square Harrisburg, PA 17120 RE: Rate for Policy form NBH-280 (2015) PPO PA rev 2016, et al VIA SERFF To the Department: The attached student health insurance rates are being submitted for review and approval by the Pennsylvania Insurance Department. The rates are for the 2018-19 school year. 1. Company Name/NAIC – National Guardian Life Insurance Company, 66583. 2. Forms – please note that we have not filed a new form for 2018-19. We reviewed the guidance provided by the
Department and believe that our forms are in compliance. We are filing an informational filing: Form number Form Description SERFF Tracking Approval Date
NBH-280 (2015) PPO PA rev 2018 Policy - network NGLI-130507324 February 9, 2017 NBH Amend 2017 PA Amendment to update policy NGLI-130961800 April 12, 2017 NBH SCH PPO PA Schedule – network policy NGLI-130961800 April 12, 2017 NBH SCH PA Schedule – non network policy NGLI-130961800 April 12, 2017 NBH-280 (2014) PA Rev 2018 Policy – non network N/A - exempt
3. Estimated effective dates of coverage – August 1, 2017-July 31, 2018 4. Current number of covered lives and policyholder (as of November 1, 2017) – 1,385. 5. Rating areas – please see page 9 of the Actuarial Memorandum. If you have questions, please feel free to contact me. Julie Guess jaguess@nglic.com Product Compliance Analyst National Guardian Life Insurance Company Two East Gilman Street Madison, WI 53703 608-443-5035
ACTUARIAL MEMORANDUM NATIONAL GUARDIAN LIFE INSURANCE COMPANY
PENNSYLVANIA NBH-280 (2015) PPO PA Rev 2018 et al
1/2/2018 Page 1 of 11
1. General Information
a. Company Information:
• Company Legal Name: National Guardian Life Insurance Co • NAIC Number: 66583
b. Company Contact Information:
• Primary Contact Name: Alan Shulman, ASA MAAA • Primary Contact Telephone Number: 315-797-5200 x276 • Primary Contact Address: 70 Genesee St Utica NY 13502 • Primary Contact Email Address: ashulman@commercialtravelers.com
c. Scope and Purpose of the Filing:
This filing is to submit our rate manual to be used in experience rating ACA compliant Student Health plans for the 2018 school year. Separate rate filings will be submitted for specific schools, if required, when quotes are issued.
d. Market: Student Health e. Policy Forms:
NBH-280 (2015) PPO PA Rev 2016 , NBH-280 (2014) PA Rev 2018
Brief description of the Benefits: Benefits for PPACA compliant student plan including all essential health benefits f. Marketing Method: Marketed through independent agents/MGUs g. Identification of Block as Open or Closed:
Open
ACTUARIAL MEMORANDUM NATIONAL GUARDIAN LIFE INSURANCE COMPANY
PENNSYLVANIA NBH-280 (2015) PPO PA Rev 2018 et al
1/2/2018 Page 2 of 11
h. Terminated Products/Plans: N/A 2. Proposed Rates
a. History of Rate Adjustments:
2016 2017
NORTHHAMPTON COMMUNITY COLLEGE $ 2,238.00 $ 2,516.00 12.4% LEHIGH UNIVERSITY $ 1,809.00 $ 1,866.00 3.2% b. Effective Date and Implementation of Proposed Rate Adjustment: 8/1/18 c. Proposed Percentage Rate Adjustment: Will vary by school d. Brief Description of How Rates were Determined: See attached rate manual pages for our rating formula with full definitions. The rate manual’s Starting Claim Cost was developed from experience of several schools throughout the US with high maximum plans similar to a package of PPACA-compliant benefits, or PPACA compliant for 2014 school year and greater. This development is shown in Section 3(c).
Plans will be experience rated according to the formula on page 4 of the rate manual.
e. Average Annual Premium per Member:
$1,941
f. Number of Policy Holders and Covered Lives in the States:
1385
3. Base Period Premium and Claims
a. Dates of Service for the Base Period Used to Develop Rates:
ACTUARIAL MEMORANDUM NATIONAL GUARDIAN LIFE INSURANCE COMPANY
PENNSYLVANIA NBH-280 (2015) PPO PA Rev 2018 et al
1/2/2018 Page 3 of 11
8/15/13 to 8/15/16 or
2013 to 2015 school year
b. Date Through Which Claims Were Paid:
9/30/16
c. Estimated of Allowed Claims During the Base Period Used to Develop Rates:
See 6(a)
d. Treatment of Experience for Grandfathered Policies:
N/A
e. Method Used for Determining Allowed Claims:
Experience for PPACA compliant plans for 2013 through 2015 school years.
f. Incurred But Not Paid Claims:
See Chart above
g. Premium in Base Period (Before MLR Rebates):
4. Adjustments to Allowed Claims During the Base Period
Benefit change factors were based on internal experience and account for the increase in plan maximums from 2013 ($500K) to unlimited.
New Essential Health Benefits were considered de minimus for the purpose of this filing as Preventive benefits were already included in data and pediatric dental/vision only applies to a fraction of our potential population due to age and low child dependent enrollment.
a. Private Reinsurance:
None factored into experience
b. Pooling:
Pooling table in rate manual, developed from internal experience.
ACTUARIAL MEMORANDUM NATIONAL GUARDIAN LIFE INSURANCE COMPANY
PENNSYLVANIA NBH-280 (2015) PPO PA Rev 2018 et al
1/2/2018 Page 4 of 11
5. Projection Factors
a. Changes in Covered Services:
Benefit change factors based on internal data.
c. Trend Factors (cost/utilization):
Trend factors were based on the 2017 Milliman Medical Index adjusted for school year dates vs. calendar year. We are using a trend of 6% for future periods as this is closer to the recent historic average. Cost trends have typically exceeded utilization trends in the past so the following breakdown supports this.
Cost Utilization
• Inpatient 2.9% 3% • Outpatient 2.9% 3% • Professional 2.9% 3% • Other Medical 2.9% 3% • Prescription Drugs 2.9% 3%
d. Projected Changes in the Demographics of the Population Insured:
None
e. Projected Changes in the Morbidity of the Population Insured:
None
e. Other Projected Changes:
6. Credibility Manual Rate Development
a. Methodology Used to Develop the Credibility Manual Rate:
The pricing model used is based on a starting point of Allowed Charges, which is then adjusted to reflect cost-sharing with the insured. The data used for the starting claim cost was derived from several years of experience for PPACA compliant plans. These schools were located in several states throughout the US. To arrive at the starting claim cost before cost-sharing, we used the trended Allowed Charges (after network discounts) from these plans as shown below:
School Year
2014 2015 2016 2017
A Allowed Charges $ 33,946,422 $ 43,645,043 $ 69,918,768
ACTUARIAL MEMORANDUM NATIONAL GUARDIAN LIFE INSURANCE COMPANY
PENNSYLVANIA NBH-280 (2015) PPO PA Rev 2018 et al
1/2/2018 Page 5 of 11
B Area Rating Factor 1.0140 1.0313 1.0012 C Adjusted Allowed Charges $ 33,476,742 $ 42,320,666 $ 69,834,966 D Completion factor 1.0000 1.0090 1.0760
E Benefit Change factor 1.000 1.000 1.000 F Incurred Allowed Charges $ 33,476,742 $ 42,701,552 $ 75,142,424
G Exposure 25,743 28,880 52,423 45,752
H Incurred Allowed per person $ 1,300 $ 1,479 $ 1,433
Annual Trend Assumption
I
5.3% 4.5% 5.3% 6.0%
J
1.228 1.166 1.116
K Trended Incurred Allowed Charges $ 41,117,063 $ 49,807,436 $ 83,872,470 L Exposure 25,743 28,880 52,423 M Trended Incurred Allowed per person $ 1,597 $ 1,725 $ 1,600 N Percent Applied 0.1 0.4 0.5
O 2017 Projected Allowed $ 1,650 P Allowed to Charges Ratio 0.7133 0.6779 0.6987
Q Average Discount 0.692
Definititions
A Allowed Charges including network discounts B Average Geographic Rating Factor based on CMS data (see below)
C A/B D Completion Factors based on internal data
E Factor to increase plan maximum to unlimited F C*D*E
G Average insured exposure H F/G I Trends based on Milliman Index J Cumulative Trend Factor K F*J L Exposure M K/L N Weight applied to each year O 2017 Projected Allowed = Sum(N*M) P Average discount from Charges Q Average discount weighted - sum(P*N)
The Trended Incurred Allowed per Person of $1,650 is the Starting Claim Cost in the Rate Manual. Deductible and cost sharing factors, network discounts
ACTUARIAL MEMORANDUM NATIONAL GUARDIAN LIFE INSURANCE COMPANY
PENNSYLVANIA NBH-280 (2015) PPO PA Rev 2018 et al
1/2/2018 Page 6 of 11
b. Source and Appropriateness of Experience Data Used:
Internal experience was considered credible for manual rating
c. Adjustments Made to the Data:
Benefit adjustments made according to Milliman study mentioned above
d. Inclusion of Capitation Payments:
N/A
7. Credibility
Please note that student health is not subject to single risk pool requirements
a. Credibility Methodology: The credibility formula is based on the traditional credibility formula (Z=sqrt(n/k), where k is the value of student lives needed for full credibility, based on confidence intervals), and n is the number of students in the experience period. We multiply this percentage times the remaining credibility (1-Z).
b. Credibility Level(s):
Enrollment needed for full credibility
2078
Credibility formula
Sqrt(N/2078)
N=Sum(enrollment/completion factor)
E=Experience Rate
M=Manual rate
8. Credibility Adjusted Projected Claims PMPM
N/A
9. Projected Index Rate
ACTUARIAL MEMORANDUM NATIONAL GUARDIAN LIFE INSURANCE COMPANY
PENNSYLVANIA NBH-280 (2015) PPO PA Rev 2018 et al
1/2/2018 Page 7 of 11
N/A – Student insurance rated based on a nationwide pool
10. Market Adjusted Index Rate
N/A
a. Risk Transfer Payments/Charges:
N/A
b. Transitional Reinsurance:
No longer applicable
c. Connector User Fees:
N/A
11. Paid to Allowed Ratio
Student not subject to single risk pool requirement
12. Non-Benefit Expenses Including Risk and Profit Margin
a. Projected Non-Benefit Expenses:
ADMINISTRATIVE EXPENSES
Ranges Commission:
0-3%
Claim Payor/TPA:
5-12% QIE
0-2%
Carrier:
3-6% Profit Margin:
3-5%
Ranges are determined by relationship with claim payor/TPA and what is charged for their services The total administrative expense/profit will not exceed the amount constrained by the Federal Minimum Loss Ratio according to the following formula. QIE stands for quality improvement expenses.
ACTUARIAL MEMORANDUM NATIONAL GUARDIAN LIFE INSURANCE COMPANY
PENNSYLVANIA NBH-280 (2015) PPO PA Rev 2018 et al
1/2/2018 Page 8 of 11
Taxes and Assessments
PPACA PCORI Fee (Per Life, Same All Classes) $2.32(.1%) State Premium Tax & Assessments 2.00%
PPACA Annual Health Insurer (HI) Fee 2.75%
Federal Minimum Loss Ratio calculation
In general,
(Claims+QIE Expenses)/(Premium-Taxes and Fees)
Claims Cost – $1,341.04
QIE pp expenses - $0 PPACA pp fees - $2.32 Total retention including profit and percentage fees (incl QIE as %) - .20 QIE % Fees – 2% Taxes – 4.75% (Claims Cost + QIE % Fees (Premium) + QIE PP expenses)/(Premium-Taxes*Premium-PPACA pp fees) (1341.04+.0*1763+0)/(1763-.0475*1763-2.32)=80% Where premium =, (Claims Cost +QIE pp expenses + PPACA pp fees)/ (1-Total Retention+QIE % Fees)*(1-Taxes-(QIE % Fees)/(1-Total retention+QIE % Fees)) (1341.04+0+2.32)/ (1-.20+.0)*(1-.0475-(.0/(1-.20+.0))) = $1,763 (rounded to nearest dollar)
b. Varying Non-Benefit Expenses by Plan:
None
13. Allowable Rating Factors
ACTUARIAL MEMORANDUM NATIONAL GUARDIAN LIFE INSURANCE COMPANY
PENNSYLVANIA NBH-280 (2015) PPO PA Rev 2018 et al
1/2/2018 Page 9 of 11
a. Age Factors:
None
b. Geographic Factors: The table of geographic rating factors in the rate manual is based on CMS published data for Medicare beneficiaries in Pennsylvania and is used as a proxy for cost differentials by the allowed rating regions. The rating areas are based on the CMS list of counties by rating area. While no data is available considering the difference in mix of services between a student and Medicare population, the differentials are considered reliable as an indicator of cost differentials amongst various areas. In theory, the mix of services may have an impact on the cost differentials but we consider it most likely that both professional and facility charges will be similarly high or low depending on the cost of living in each region. The national average from the Medicare data is $9,500.63.
c. Tobacco Factors: None
d. Family Composition:
Factor
Student-Only
1.00
14. Development of Rate Tables N/A
15. Company Financial Position NGL is an A- rated carrier by AM Best. Loss Ratios
a. Loss Ratio Requirements:
Plans will be rated at or above the defined permissible loss ratio of 80% (excluding the impact of State premium taxes and Federal/PPACA fees and assessments, as allowed by law).
ACTUARIAL MEMORANDUM NATIONAL GUARDIAN LIFE INSURANCE COMPANY
PENNSYLVANIA NBH-280 (2015) PPO PA Rev 2018 et al
1/2/2018 Page 10 of 11
b. Projected Federal MLR:
80%
16. Reliance N/A
17. Projected Enrollment 1385
18. Actuarial Certifications
I, Alan Shulman, ASA MAAA, am a member of the American Academy of Actuaries (Academy) and I meet the Academy qualification standards for rendering this opinion. I certify that, to the best of my knowledge and judgment: • The entire rate filing is in compliance with the applicable laws of the state of Pennsylvania and with the rules of the Office of the Commissioner of Insurance, • The development of the projected index rate and all rating factors is in compliance with all applicable federal statutes and regulations, • Each school will be rated using “school-specific community rating” as outlined in CMS-9972-F • The index rate and allowable modifiers as described in 45 CFR § 156.80 (d)(1) and 45 CFR § 156.80(d)(2) are used in the development of plan-specific premium rates, • All plans will meet the minimum value requirements detailed in 45 CFR § 147.145 (b)(2), • The methodology used to calculate the AV Metal Value for each plan complies with federal regulations, • The geographic rating factors reflect only differences in the costs of delivery and do not include differences for population morbidity by geographic area, • The entire rate filing, including development of the projected index rate and all rating factors, complies with all applicable Actuarial Standards of Practice, • The projected index rate and rating factors are reasonable in relation to the benefits provided and the population anticipated to be covered, and • The premium schedule, including the projected index rate and rating factors, is not excessive, deficient, nor unfairly discriminatory.
_____________________
Alan Shulman, ASA MAAA