IGHCP is a benefits trust for shared risk pooling among public employers in the state of Iowa. Its unique design allows entities to enter into the trust based on claims experience, plan design, and demographics. The entities are then pooled at renewal, using total claims experience to develop renewal strategies.
1.
UPON ENTRY, groups who join IGHCP 28 E Trust exercise greater economic value, as risk and resources are pooled to achieve economies of scale.
2.
AT RENEWAL, groups are pooled together to create a premium-to-claims loss ratio.
3.
THE PARTIAL SELF-FUNDING allows groups to use savings to build reserves.
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Iowa Governmental Health Care Plan. All Rights Reserved.