Traditional insurance plans are built with a business model around a loss ratio of premiums paid over claims paid out. The insurer builds this into the plan to guarantee a healthy profit margin is maintained for their business. If the cost of claims paid out through the plan increases, so will the premium upon renewal to make up for the calculated loss of paid claims. To know more visit here https://www.capbluecross.com/wps/portal/cap/employer/shop-group-plans
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