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2002年11月SOA精算师真题（北美）Course8G（第二课）

来源：高顿网校 2014-08-21

　　高顿网校北美精算师小编提醒您，及时登录北美官方网站报名，以免耽误您的精算师考试。2002年11月SOA精算师真题（北美）Course8G（第二课），送给大家了。
　　5. (7 points) You are the actuary for the Major Medical Division of Wonderful Life. You

　　have been asked to develop a forecast for the major medical line.

　　You are given the data in Tables MM-3, MM-6, and MM-7.

　　(a) Describe the major projection elements governing the design of a financial

　　forecast.

　　(b) Identify additional information you would need to develop a forecast and any

　　concerns about the information you have been provided.

　　6. (6 points) Wonderful Life is examining various methods of smoothing age-to-age

　　development factors.

　　(a) (4 points) Calculate the first lag month’s development factor for Wonderful Life

　　using the most recent four months of experience from Table MM-4b under the

　　following averaging approaches:

　　(i) Without Hi and Lo

　　(ii) Geometric Mean

　　(iii) Dollar-Weighted

　　(iv) Per Member Age-to-Age Ratios

　　(b) (2 points) Describe other methods that could be used to smooth age-to-age

　　development factors.

　　COURSE 8: Fall 2002 -6- GO ON TO NEXT PAGE

　　Health, Group Life & Managed Care

　　Morning Session

　　Questions 3 – 8 pertain to the Case Study

　　7. (9 points) You are the pricing actuary for Wonderful Life. You have been asked to

　　evaluate the expected cost trend for Group 6. You have been given the following data in

　　addition to Tables MM-2 and MM-3.

　　Option 1 Option 2

　　%EE’s Avg Cost %EE’s Avg Cost

　　Sub-group 1 80% 5% Higher 90% 5% Lower

　　Sub-group 2 20% 20% Lower 10% 45% Higher

　　(a) (2 points) Calculate the expected claim cost per employee per month (PEPM) for

　　the next renewal period beginning March 1, 2002 based on the current enrollment

　　mix.

　　(b) (5 points) At open enrollment, employees in sub- group 2 of each option choose

　　the other option. Calculate the expected trend for each option and determine the

　　impact on the overall expected trend.

　　(c) (2 points) The employer is currently paying 70% of the cost of Option 1 and

　　Option 2.

　　(i) Calculate the amount the employer and employee would pay PEPM based

　　on the current rates and enrollment mix if the employer were to pay an

　　equal amount under a fixed dollar cost scheme.

　　(ii) Describe the potential concerns associated with a fixed dollar cost scheme.

　　COURSE 8: Fall 2002 -7- GO ON TO NEXT PAGE

　　Health, Group Life & Managed Care

　　Morning Session

　　Questions 3 – 8 pertain to the Case Study

　　8. (10 points) You are an underwriter at Wonderful Life and have been given the following

　　information:

　　? Tables BI with the following assumptions:

　　? The experience shown is for July 1, 2000 to June 30, 2001

　　? Amount of claims greater than $50,000 totals $540,000

　　? Tables MM-2

　　? Table MM-3a

　　(a) (3 points) Calculate the retrospective refunds for Group 4 and for Group 5. Show

　　your work.

　　(b) (5 points) Wonderful Life is quoting its most popular $250 deductible plan to

　　Bailey Industries for a March 1, 2002 effective date. Assume the quote will cover

　　existing PPO employees with a fully insured plan and that quoted benefits are the

　　same as their current plan. Calculate the composite, employee only, and

　　employee plus dependent rates. Show your work.

　　(c) (2 points) Explain considerations in using past experience data for projecting

　　future experience.

　　COURSE 8: Fall 2002 -8- STOP

　　Health and Group Life Segment

　　Morning Session

　　9. (3 points) Your consulting firm is hosting a roundtable breakfast for business leaders.

　　The topic of your presentation is “Recent Managed Care Trends Affecting Employers.”

　　Most attendees will be large, local employers.

　　(a) Describe general considerations related to this topic affecting all employers.

　　(b) Describe other relevant factors specific to the size of the employer.

　　**END OF EXAMINATION**

　　MORNING SESSION

　　COURSE 8: Fall 2002 -9- GO ON TO NEXT PAGE

　　Health and Group Life Segment

　　Afternoon Session

　　**BEGINNING OF EXAMINATION 8**

　　HEALTH AND GROUP LIFE SEGMENT

　　AFTERNOON SESSION

　　Beginning With Question 10

　　10. (4 points) Senator Ima Crook from Anystate, USA has proposed a bill requiring

　　Medicare to provide a prescription drug benefit.

　　This plan would be separate from medical benefits and would be the primary plan for

　　purposes of coordination of benefits.

　　The plan would offer the following benefits:

　　? 90% of generic drugs after a $50 annual deductible.

　　? 80% of brand drugs after a $100 annual deductible.

　　? Unlimited annual benefit.

　　ACME Widget Company currently pays the entire cost of a retiree prescription drug plan

　　with the following copayments per prescription:

　　? $10 on generic drugs

　　? $20 on brand drugs

　　Jill Pill is a retiree of ACME anticipating the following monthly drug usage:

　　Number of

　　Prescriptions

　　Average

　　Cost/Prescription

　　Generic 5 $20

　　Brand 5 $100

　　If this bill is adopted:

　　(a) Describe the different coordination of benefit (COB) approaches an employer

　　could consider in relation to the new plan.

　　(b) For each COB approach, calculate the total annual cost to ACME in connection

　　with Jill’s anticipated claims.

　　COURSE 8: Fall 2002 -10- GO ON TO NEXT PAGE

　　Health and Group Life Segment

　　Afternoon Session
　　重要的不是知识的数量，而是知识的质量，有些人知道很多很多，但却不知道最有用的东西。——高顿网校为人处世

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