Premiums are based on attained age and gender, and were set to ensure actuarial solvency—meaning that they were set so that we should always be collecting more than enough money from premiums each month to be able to cover all of our expected future claims costs.
Those expected future claims costs are, in turn, a reflection of our list of benefits and the fixed-indemnity amounts that we've set for each of them.
We have also accounted for anticipated future overhead and expenses costs, and have included enough wiggle room to hopefully make a modest profit.
Our goal is to deliver the best possible limited-benefits plan for DPC patients at a fair and affordable price, and we hope that our insurance plan can deliver real value for you and your family.
