Attachment B - STATISTICS.pdf

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Health Insurance Services for U. S. Mission in France
Solicitation number
19FR6325R0001
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This document appears to be an attachment containing health insurance statistics as well as information related to a federal contract opportunity for health insurance services.

The attachment provides detailed demographics and utilization information for an 8-month period in 2024 for a health insurance plan covering U.S. government employees and their dependents in France. It includes breakdowns of membership, claims, and out-of-pocket expenses across various categories of medical services. The related federal contract opportunity is for providing supplemental health insurance coverage to locally employed staff, former employees, and retirees of the U.S. Government in France and their dependents. The solicitation number is 19FR6325R0001, the anticipated performance period is one year, and all responsible sources may submit a quotation which may be awarded without further discussion. The contracting agency is the U.S. Embassy in Paris. Offerors must be registered in the SAM database prior to submitting a proposal.

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HEALTH INSURANCE STATISTICS

8 MONTHS IN 2024

UP UNTIL 08/31/2024

October 08, 2024

HEALTH EXPENSE RESULTS

8 months in 2024

Demographics

Member Spouse Child* Total

No.: % No.: % No.: % No.:

Under 18 years old 0.0 0.0% 0.0 0.0% 94.1 75.6% 94.1

18 to 29 years old 12.3 2.4% 0.0 0.0% 30.4 24.4% 42.7

30 to 39 years old 79.8 15.8% 7.0 9.1% 0.0 0.0% 86.8

40 to 49 years old 101.2 20.0% 12.8 16.5% 0.0 0.0% 114.0

50 to 59 years old 136.7 27.0% 19.0 24.6% 0.0 0.0% 155.7

60 to 69 years old 101.3 20.0% 17.8 22.9% 0.0 0.0% 119.0

70 to 79 years old 52.8 10.4% 16.9 21.8% 0.0 0.0% 69.6

Over 80 years old 22.0 4.3% 4.0 5.2% 0.0 0.0% 26.0

Total 506.0 71.5% 77.4 10.9% 124.5 17.6% 707.9

Average age 53.99 years 58.99 years 11.82 years

Member Spouse Child* Total No.: % No.: % No.: % No.:

Women 259.3 51.2% 57.7 74.5% 64.9 52.1% 381.8

Men 246.8 48.8% 19.8 25.5% 59.6 47.9% 326.1

Total 506.0 100.0% 77.4 100.0% 124.5 100.0% 707.9

Member Spouse Child* Total Family coefficient Period No.: Change % No.: Change % No.: Change % No.:

Year 2023 491.6 81.5 133.5 706.6 1.44

8 months in 2024 506.0 2.9% 77.4 -5.0% 124.5 -6.8% 707.9 1.40

*Including ascendants and collaterals

Results Breakdown 8 Months in 2024

8 months in 2024 Contributions over this period Benefits over this period Up until 08/31/2024

Total contributions

Taxes Management Consulting Policyholder fees

Net contributions

(P)

Benefits paid

Patient fees

(FPMT)

Benefits payable

Total services (S)

Balance S/P

Average number of employees as members

Average number of employees as beneficiaries

Totals Base € 202,172 € 23,685 € 12,496 € 5,355 € 6,247 € 154,387 € 181,576 € 1,428 € 23,255 € 206259 € -51,871 1.34 405.9 578.6

Supplementary insurance € 90,760 € 15,296 € 5,282 € 2,264 € 2,641 € 65,278 € 41481 € 604 € 5,313 € 47,398 € 17,880 0.73 196.3 281.8

Outgoing € 155,674 € 22,126 € 9,347 € 4,008 € 4,674 € 115,519 € 83,366 € 1,068 € 10,677 € 95,111 € 20407 0.82 100.2 129.3

Group total € 448,606 € 61108 € 27,125 € 11,627 € 13,562 € 335,183 € 306,423 € 3,100 € 39,244 € 348,767 € -13,584 1.04 506.0 707.9 including members 12.81%

Group-specific PSAP:

€ 3,100 Patient fee:

Results Breakdown History

Contributions over this period Benefits over this period

Up until 08/31/2024

Total contributions

Taxes Management Consulting Policyholder's fees

Net contributions

(P) Benefits paid

Patient fees

(FPMT)

Benefits paid +

FPMT

Benefits payable

Total benefits (S)

Balance S/P

Year 2022 € 597,794 € 82,645 € 36,059 € 15,459 € 18,030 € 445,601 € 502,167 € 4,121 € 506,288 € 0 € 506,288 € -60,687 114%

2023 Year € 634,111 € 86,957 € 38,301 € 16,418 € 19,150 € 473,285 € 501,169 € 4,377 € 505,546 € 3,480 € 509,026 € -35,741 108%

Projected year 2024 € 672,481 € 91,575 € 40,664 € 17,430 € 20,332 € 502,481 € 306,423 € 4,647 € 311,070 € 221,280 € 532,350 € -29,869 106%

Group total € 1,904,386 € 261,177 € 115,024 € 49,307 € 57,512 € 1,421,366 € 1,309,759 € 13,145 € 1,322,905 € 224,759 € 1,547,664 € -126,297 109%

CONSUMER STUDY

8 months in 2024

Consumer Study Consumer Study Breakdown - Assets

Low Option

Policy wording Benefits paid 8 months in 2024 8 months in 2023 up until 08/31/2023

Experience Portfolio 2023

A General practitioners € 7,286 4.0% 4.2% 3.2%

B Specialist doctors € 24,309 13.4% 14.1% 9.5%

C Pharmacy € 28,297 15.6% 16.3% 9.6%

D Dental procedures € 32,724 18.0% 13.0% 22.0%

E Optics € 33,632 18.5% 20.6% 22.6% F Hospital stays € 16,189 8.9% 4.5% 11.0% G Medical assistants € 13,167 7.3% 8.5% 5.0% H Tests and radiology € 21,914 12.1% 13.1% 6.8% I Other health procedures € 4,057 2.2% 5.7% 10.2%

Total amount for health expenses € 181,576 100.0% 100.0% 100.0%

High option

Policy wording Benefits paid 8 months in 2024 8 months in 2023 up until 08/31/2023

Experience Portfolio 2023

A General practitioners € 342 0.8% 1.1% 3.2%

B Specialist doctors € 3,789 9.1% 9.7% 9.5% C Pharmacy € 0 0.0% 0.0% 9.6% D Dental procedures € 10,849 26.2% 25.4% 22.0%

E Optics € 14,892 35.9% 42.1% 22.6% F Hospital stays € 6,728 16.2% 8.5% 11.0% G Medical assistants € 2,407 5.8% 4.9% 5.0% H Tests and radiology € 2,474 6.0% 7.2% 6.8% I Other health procedures € 0 0.0% 1.0% 10.2%

Total amount for health expenses € 41,481 100.0% 100.0% 100.0%

Consumer Study Breakdown by Beneficiary - Assets

Low Option

8 Months in 2023 8 months in 2024 Change in average benefit per beneficiary

2024/2023

Cover in effect until 08/31/2023 Cover in effect until 08/31/2024 Number of beneficiaries 574.7 578.6

Benefits paid Average per beneficiary Benefits paid Average per beneficiary A General practitioners € 5,724 € 11.70 €7,286 € 12.59 7.6% B Specialist doctors € 22,832 € 39.73 € 24,309 € 42.01 5.8% C Pharmacy € 26,262 € 45.70 € 28,297 € 48.91 7.0% D Dental procedures € 21,014 € 36.56 € 32,724 € 56.56 54.7% E Optics € 33,204 € 57.77 € 33,632 € 58.12 0.6% F Hospital stays € 7,341 € 12.77 € 16,189 € 27.98 119.0% G Medical assistants € 13,718 € 23.87 € 13,167 € 22.76 -4.7% H Tests and radiology € 21,189 € 36.87 € 21,914 € 37.87 2.7% I Other health procedures € 9,258 € 16.11 €4,057 € 7.01 -56.5%

Total amount for health expenses € 161,542 € 281.08 € 181,576 € 313.81 11.6%

High Option 8 Months in 2023 8 months in 2024

Change in average benefit per beneficiary 2024/2023

Cover in effect until 08/31/2023 Cover in effect until 08/31/2024 Number of beneficiaries 288.6 281.8

Benefits paid Average per beneficiary

Benefits paid Average per beneficiary

A General practitioners € 376 € 1.30 € 342 € 1.22 -6.7%

B Specialist doctors € 3,436 € 11.90 €3,789 € 13.45 13.0%

C Pharmacy € 0 € 0.00 € 0 € 0.00 0.0% D Dental procedures € 8,978 € 31.10 € 10,849 € 38.50 23.8%

E Optics € 14,881 € 51.55 € 14,892 € 52.85 2.5% F Hospital stays € 2,992 € 10.37 €6,728 € 23.88 130.4%

G Medical assistants € 1,748 € 6.06 €2407 € 8.54 41.0% H Tests and radiology € 2,544 € 8.81 €2,474 € 8.78 -0.4% I Other health procedures € 367 € 1.27 € 0 € 0.00 -100.0%

Total amount for health expenses € 35,322 € 122.37 € 41481 € 147.22 20.3%

Out-of-Pocket Expense Breakdown

Out-of-pocket expenses (%) - low option High option

Policy wording Actual costs Social security reimbursment

39.9%

Other reimbursements

0.1%

Benefits paid 39.4%

Out-of-pocket expenses

8 months in 2024

8 months in 2023 up until 08/31/2023

Experience Portfolio 2023

8 months in 2024

A General practitioners € 21,664 € 13,465 € 0 € 7,286 € 913 4.2% 6.5% 2.2% 2.6%

B Specialist doctors € 68,035 € 31,439 € 0 € 24,309 € 12,286 18.1% 17.5% 5.3% 11.3%

C Pharmacy € 65,999 € 37,309 € 0 € 28,297 € 392 0.6% 0.7% 1.0% 0.6%

D Dental procedures € 88,764 € 21170 € 490 € 32,724 € 34,380 38.7% 39.3% 12.0% 26.8%

E Optics € 60,599 € 83 € 0 € 33,632 € 26,885 44.4% 39.6% 15.4% 19.4%

F Hospital stays € 60,979 € 36,705 € 0 € 16,189 € 8,085 13.3% 23.9% 3.9% 5.6%

G Medical assistants € 30,269 € 13,676 € 0 € 13,167 €3,426 11.3% 8.9% 1.4% 2.8%

H Tests and radiology € 54,997 € 27113 € 0 € 21914 € 5,969 10.9% 8.7% 2.9% 5.9%

I Other medical procedures € 9,802 €3,211 € 0 € 4,057 € 2,533 25.8% 10.2% 12.2% 25.8%

Total amount for health expenses € 461,106 € 184,171 € 490 € 181,576 € 94,870 20.6% 19.3% 7.2% 11.8%

Frequency and Average Reimbursements

Frequency per beneficiary

Number of procedures/Number of beneficiaries 8 months in 2023 up until 08/31/2023 8 months in 2024 up until 08/31/2024 Development

Fees General consultations 1.22 1.21 -0.8%

Specialist consultations (excluding CNP) 1.16 1.14 -1.7%

Optics Glasses (per unit) 0.28 0.29 3.6%

Frames 0.13 0.13 0.0%

Dental Dental crowns 0.04 0.05 25.0%

Dentures 0.11 0.15 36.4%

Hospital stays Stays 0.09 0.12 33.3%

Private room 0.00 0.00 0.0%

Average benefit per procedure

8 months in 2023 up until 08/31/2023

8 months in 2024 up until 08/31/2024

Development

Fees General consultations € 9.29 € 10.23 10.1%

Specialist consultations (excluding CNP) € 21.10 € 21.44 1.6%

Optics Glasses (per unit) € 124.32 € 119.83 -3.6%

Frames € 98.47 € 95.13 -3.4%

Dental Dental crowns € 230.80 € 217.45 -5.8%

Dentures € 103.01 € 179.03 73.8%

Hospital Stays € 35.08 € 120.78 244.3%

Private room € 0.00 € 0.00 0.0%

Demographics
Results Breakdown
8 Months in 2024
Results Breakdown
History
Consumer Study
Consumer Study Breakdown - Assets
Consumer Study
Consumer Study Breakdown by Beneficiary - Assets
Low Option
High Option
Consumer Study
Out-of-Pocket Expense Breakdown
Consumer Study
Frequency and Average Reimbursements

File details come from the government source that posted it. Updated .