New Jersey Small Employer Health Benefits Program
Carrier Refunds To Small Employers - 1995


Insurance Carriers Providing Refunds
Insurance Carrier Premium Collected Claims Paid SEH Market Share Refund Amount
Aegon Group (PFL, Monumental) $3,099,629 $1,447,189 0.022338% $877,533
AmeriHealth Insurance 58,648 15,484 0.004779% 28,502
Anthem Health 20,471,291 15,428,356 1.823363% 263,099
Blue Cross 285,617,872 228,029,981 23.574905% 3,839,480
Celtic Life 17,685,717 11,537,351 1.464955% 1,726,487
Centennial Life 1,105,725 380,169 0.090097% 449,125
Connecticut General 4,962,961 3,907,420 1.458421% 243,073
CUNA Mutual 2,414,863 1,828,048 0.200005% 485
Great-West Life and Annuity 151,569 60,549 0.015609% 53,128
John Alden 65,382,217 50,033,443 5.143896% 554,107
John Deere 308,916 168,179 0.024660% 63,508
Lincoln National 12,370,197 9,446,757 0.020369% 403,705
MEGA Life and Health 3,452,333 1,254,826 0.299225% 1,334,424
Metropolitan Life 2,853,961 2,710,126 0.739579% 159,027
New York Life 7,284,919 5,514,701 0.743033% 125,030
Nippon Life 2,365,768 1,615,479 0.224216% 158,847
Oxford Health 1,238,067 820,579 1.111845% 107,972
Pacific Mutual Life 4,733,457 3,326,014 0.649862% 224,080
Phoenix Home Life Mutual and Phoenix American 1,546,333 910,598 0.205939% 249,150
Protective Life 24,199,604 20,681,812 1.971843% 98,786
Prudential Insurance 61,513,308 54,039,023 5.392338% 29,994
Sentry Life 1,972,906 1,363,831 0.137008% 188,581
Time 13,165,942 11,315,270 1.091367% 134,901
Travelers 50,645,698 46,923,319 2.375537% 4,925
United States Life 36,585,329 30,317,525 2.412736% 69,670
U.S. Life/Garden State 927,583 460,126 1.256049% 235,562



HMO Carriers Providing Refunds
HMO CarrierPremium CollectedClaims PaidSEH Market ShareRefund Amounts
CIGNA Healthcare$ 3,958,917$ 2,934,7230.366601%$ 238,137
MetraHealth Care Plan1,269,508976,1892.375537%55,704
Oxford Health Plans12,532,46310,455,3151.111845%20,684
Physician Healthcare Plan2,223330.000181%1,642
Prudential Healthcare474,017388,7705.392338%13,798
U.S. Healthcare24,468,98817,273,3902.540143%1,078,351