Apothegm’s Perspective Rating System™ is our flagship health plan pricing suite. Use our Retrospective Renewal Management Tool™ experience pricing model to develop multiple strategies by health plan or business line.

2. Model Rating Strategies
•Experience Rating
•Manual Rating
Compare Enterprise Level Results
•Actual vs. Expected
Primary Deliverables…

3. Monitor Rating Strategy and impacts to the
distribution of Rate Increases and Loss Ratio by:
Features
•Health Plan
•Business Segment
•Group
•Plan

4. Test the implications of rating variables across
multiple years and apply different methodologies
by user defined Group Size…
Features

5. Manage variations in plans from group to group
with Claims Normalization and Adjustment
process…
Features

6. Examine and balance Pooling Charges and
Pooling Credits…
Excess
Claims
Total Claims
Trend
Indexing
Dollar
To
Dollar
Features
Large
Claims
Pooling
Credit and
Charges

7. Apply Trends by:
•Year
•Plan
•Medical and Rx
Features

8. Rating Process
10 Stage Actuarial Rating Engine
• Rating data is processed modularly in 10 steps. This provides for:
• Simplification of rating method; greatly reducing the time and effort needed
to update or change components within the rating process.
• Greater flexibility in adapting to new business needs.
• Easy auditing of rating data.
• Rapid recalculation of rates after manipulation of rating variables.

9. Rating Process
Rating
Process
Stages
Rating process
Data extraction flow

10. Rating Process
Controls
Set ranges for group Pooling Class…
Set Pooling Point by Class…
Set Pooling Method by Class…

11. Rating Process
Controls
Manage size
classification, Plans, and
Trend…

12. Rating Process
Controls
Set the experience period
and contract duration…
Adjust credibility…

13. Rating Process
Controls
Create customizable Large Claim Reports…