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北美精算师历年考试真题系列：2002年11月Course8M（一）

来源：高顿网校 2014-08-27

　　高顿网校友情提醒，高顿网校小编为您精心编制的北美精算师历年考试真题系列：2002年11月Course8M（一）。
　　Health, Group Life & Managed Care

　　Morning Session

　　Fall 2002

　　Society of Actuaries

　　**BEGINNING OF EXAMINATION 8**

　　HEALTH, GROUP LIFE & MANAGED CARE

　　MORNING SESSION

　　1. (5 points) You are the COO of ABC Insurance Company. You are considering

　　outsourcing the claim and benefit administration function.

　　(a) Describe common claims and benefit administration problems and their effects.

　　(b) Describe measures of claim quality and methods to increase quality.

　　(c) Describe methods commonly used to control claims costs and claims

　　administrative expense.

　　(d) Review circumstances under which you might outsource claims administration.

　　Course 8M

　　COURSE 8: Fall 2002 -2- GO ON TO NEXT PAGE

　　Health, Group Life & Managed Care

　　Morning Session

　　2. (5 points) A company has successfully implemented a flexible benefits program for its

　　salaried employees with the following benefits:

　　Basic Coverage

　　Non-hospital and drug: $300 deductible, 75% coinsurance

　　Hospital: Semi-private room, $150 maximum per day

　　Out-of-country: $50,000 maximum per year

　　$500,000 lifetime maximum

　　Vision: No coverage

　　Enhanced Coverage

　　Non-hospital and drug: $100 deductible, 90% coinsurance

　　Hospital: Semi-private room, $250 maximum per day

　　Out-of-country: $80,000 maximum per year

　　$1,000,000 lifetime maximum

　　Vision: $200 maximum per year

　　Employee Palpatine incurred the following medical expenses over a one-year period:

　　Apr. 5 formulary drug prescription of $125

　　Jun. 10 formulary drug prescription of $180

　　Jul. 18 hospital stay, semi-private room at $180

　　Jul. 19 hospital stay, semi-private room at $180

　　Jul. 20 hospital stay, semi-private room at $180

　　Sept. 22 formulary drug prescription of $60

　　Dec. 5 new glasses at $280

　　(a) Identify and address the concerns the union might have with the company’s

　　proposal to offer this program to union members. Include design alternatives that

　　could be substituted.

　　(b) Explain the general principles regarding selection that should be considered when

　　implementing a flexible benefits program.

　　(c) Calculate the out-of-pocket expenses Palpatine would have paid under the Basic

　　and the Enhanced options.

　　COURSE 8: Fall 2002 -3- GO ON TO NEXT PAGE

　　Health, Group Life & Managed Care

　　Morning Session

　　Questions 3 – 8 pertain to the Case Study

　　3. (5 points) Wonderful Life‘s small group block of business is experiencing deteriorating

　　profits. The Chief Actuary believes part of this deterioration is due to the wearing off of

　　underwriting. You have been asked to design a durational study for Wonderful Life’s

　　closed block of small group business using the data found in Table MM-7.

　　(a) (1 point) Describe the information that would be required to compile this study.

　　(b) (1 point) Describe the potential limitations of the data used in a durational study

　　and the factors you should consider in adjusting the data.

　　(c) (3 points) Calculate the annual durational factors for Wonderful Life’s closed

　　block of small group experience using the data in table MM-7 and other relevant

　　information on the small group block discussed in the case study. Show your

　　work.

　　COURSE 8: Fall 2002 -4- GO ON TO NEXT PAGE

　　Health, Group Life & Managed Care

　　Morning Session

　　Questions 3 – 8 pertain to the Case Study
　　自己打败自己是最可悲的失败，自己战胜自己是最可贵的胜利。——高顿网校名人哲理

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