260125_10312025_COT_Monthly_Experience_2022-2025.xls

The document is a Monthly Healthcare Detail Experience Report for the City of Tucson, covering the periods from July 2022 through June 2025, which provides comprehensive healthcare claims and premium data for the city's employee benefits program. The report details monthly in-network and out-of-network medical claims, total claims, billed premiums, loss ratios, total subscribers, and total members for a Dental PPO (Preferred Provider Organization) plan. The document tracks healthcare spending across three consecutive fiscal years, showing consistent monthly breakdowns with variations in claims, premiums, and membership levels.

The healthcare experience report reveals that the City of Tucson maintains a stable benefits environment with approximately 4,500-4,600 subscribers and 9,900-10,300 total members throughout the reporting periods. The monthly loss ratios fluctuate between 71.4% and 118.7%, indicating variable healthcare utilization rates. The data suggests preparation for an upcoming Request for Proposal (RFP #260125) for healthcare and benefits administration services, with a July 1, 2026 effective date. The city currently uses Cigna as its primary benefits administrator and pays 100% of employee and dependent costs, with an annual wellness incentive fund of $100 per subscriber. The report provides detailed financial insights that would be valuable for potential vendors bidding on the upcoming comprehensive healthcare services contract.