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Mary P. Ratelle, FSA, MAAA, continued
<br />Actuarial Credentials:
<br />Fellow, Society of Actuaries
<br />Member, American Academy of Actuaries
<br />Experience:
<br />2/00 -Current Founder, Health Risk Strategies, LLC.
<br />Consulted with health insurers (HMOs, PPO, PHOs, and insurance companies),
<br />self-funded employers and union groups, insurance regulators and health care
<br />providers on pricing, product design & development, regulatory filings, and
<br />financial analysis of health insurance products.
<br />1/97 - 2/00 Senior Consultant, Reden & Anders
<br />Consulted with HMOS, Blue Cross and Blue Shield, and health care providers on
<br />various aspects of their health insurance products. Major projects included
<br />evaluation of Medicare Risk Products (Medicare Advantage), HORBC
<br />requirements for HMOs, provider contract negotiations for health plans and
<br />provider groups, development of pricing strategies for fully insured health
<br />products, and evaluation of financial risks within proposed contracts for provider
<br />sponsored networks.
<br />1/95 -12/96 Actuary, Milliman and Robertson, Inc. (Milliman USA)
<br />Consulted with HMOs, Blue Cross and Blue Shield, and health care providers on
<br />various aspects of their health insurance products. Major projects included
<br />evaluation of risk charges for fully insured products, risk based capital
<br />requirements for HMOs, stochastic modeling of health insurance risks,
<br />estimation of potential cost savings for allowing 24hour coverage in the state of
<br />Minnesota, estimation of market impact of proposed individual health insurance
<br />market reforms, and evaluation of financial risks within proposed contracts for
<br />provider sponsored networks.
<br />1/88 to 10/93 Consultant, Tillinghast (Currently Towers Perrin)
<br />Consulted with HMOs, insurance companies, Blue Cross and Blue Shield plans
<br />and health care providers on the following aspects of their managed care
<br />programs: product design, pricing, underwriting, administration, management
<br />reporting, risk absorption models, small group reform compliance, financial
<br />reporting, experience analysis and merger and acquisitions. Products included:
<br />group (large and small), individual, Medicare, Medicaid, managed workers'
<br />compensation, specific and aggregate stop loss, and dental plans.
<br />11/85 to 1/88 Actuarial Assistant, Ministers Life Insurance Company
<br />Small group product development, large group initial and renewal rating and
<br />valuation for financial statements.
<br />6/83 to 11/85 Actuarial Analyst, Touche Ross and Co. (Currently Deloitte &Touche)
<br />Product design and pricing of start up HMOs, experience and claims lag analysis
<br />for rating and determination of balance sheet reserves.
<br />Hildi Incorporated 28
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