Here is more up to date info ... for 2011.   http://www.startribune.com/business/148983575.html?refer=y I don't think 102 million is accurate. More like 1.3 million according to the article at the link. Still not chump change.
Posted by Chris7715

The formula for Medical Loss Ratio under the PPACA was began for year 2011 by HHS. I can only trust that UHC and all insurers are following the law and that HHS is doing its part in government regulation, review and calculations.  Since UHC is also a big player in the Medicare realm -  Medicare Advantage, Medigap, Medicare D plans - then they may have gotten a bonus for good work under the HHS plan for MA. Some private insurers also do managed care under certain state Medicaid programs and are paid for this service - I do not know if this is the case of UHC, Of course, if you have an objection to the the way this PRIVATE company works, especially with these new regulations, you can opt NOT to participate in any of their plans. Healthcare Reform:  HHS - Value for Your Premium Dollar: 80/20 Rule and MLR The refund checks, if applicable, went out from each company in July /August of 2012. From the lips of UHC: Medical Loss Ratio - Health Reform Provision:  Health Plan Reporting Requirements "This provision requires insurers to report plan costs for the purpose of calculating the insurers' medical loss ratio (the percentage of insurance premium dollars spent on reimbursement for clinical services and activities to improve health care quality). Large group insurers must spend at least 85 percent of premium dollars on claims and activities to improve health care quality. Individual and small group insurers must spend at least 80 percent of premium dollars on claims and activities to improve health care quality. The calculations will be based on the aggregate experience of the issuer for each state in which the issuer is licensed. Medical cost activities that are grounded in evidence-based medicine and improve health care quality will be included in the calculations. Activities designed primarily to control or contain costs will be considered administrative."
Posted by GailL1