This portion commonly referred to as the Medical Loss Ratio (MLR) limits insurance companies profitability.
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Look at what the legislation does, as I mentioned a minute ago, on medical loss ratio.
He estimates that the loss ratio--the amount spent on care compared to the premium collected--is around 200%.
If its actual loss ratio drops below 40 percent in the preceding year, it must refile to raise it.
Life Sciences have a much lower loss ratio than most other sectors .
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Ungar is pointing to the medical loss ratio (MLR) provisions of the law.
Insurers must now comply with an 80% to 85% Medical Loss Ratio, meaning the amount they must spend on medical services.
For the next year or two the combination of a rising loss ratio and policy acquisition costs will depress Geico's earnings.
HMOs refer to the proportion of premiums they pay out for patient care as their "medical-loss ratio"--a chilling choice of words.
The Senate bill has some very strong provisions about -- that prevent insurance companies from padding their own pockets and medical loss ratio.
Maybe, then, those who so strenuously disagree with my take on this can tell me why the State of Florida requested a waiver on the medical loss ratio in the first place?
"There is not any issuer of limited benefit coverage that could meet the enhanced MLR standards, " said Neil Trautwein, a vice president at the National Retail Federation, using the abbreviation for medical loss ratio.
The settlement requires QBE to file a premium rate in New York with a permissible loss ratio of 62 percent, reflecting the portion of premiums paid in claims, with annual reporting and rates refiled every three years.
All of these regulations, and especially the caps on insurance company margins (AKA the Medical Loss Ratio) have a more pervasive and longstanding effect than the just these near term price increases, as painful as those hikes will be.
The wonkiest among you will recall that the medical loss ratio is loosely defined as the dollar amount that an insurer spends on the health care of its beneficiaries, divided by the total dollar amount the insurer collects in premiums.
Concerning really big or controversial claims, the insurer will delay the claim as long as they can (make money on financing), then deny it (improve their loss ratio), then defend it if the claimant sues (in-house legal staff can spend a lot more than most consumers operating on their own).
Title insurance is a steady business you can't mortgage a home without the coverage and the loss-to-premium ratio for title companies is far lower than for property-casualty providers.
Its ratio of assets (loans and investments) to loss-absorbing equity capital is a fraction over 20 times, down from 50 times in the autumn of 2008, when it was rescued from the brink by taxpayers.
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