Aetna US Healthcare	BCBSNC	CIGNA/ Healthsource	Doctors Health Plan	Generations	Optimum Choice of the Carolinas	PARTNERS Health Plans
Enrollment Trends Data from 1998 Annual Financial Statement: Five Year Historical Data
Enrollment (Dec. 31, 1998)	37,417	170,845	209,177	38,470	5,066	13,851	203,393
Member Months in 1998	357,317	2,279,928	2,802,067	464,726	31,802	132,083	2,336,833
Average 1998 monthly enrollment	29,776	189,994	233,505	38,727	2,650	11,007	194,736
Percentage change in average monthly enrollment between 1997-98	111.5%	(14.3%)	3.6%	478.9%	NA	68.8%	16.0%
Five year ave. enrollment trends	1998: 29,776 1997: 14,081 1996: 3,062 1995: N/A 1994: N/A	1998: 189,994 1997: 221,701 1996: 185,181 1995: 57,139 1994: N/A	1998: 233,506 1997: 225,326 1996: 183,578 1995: 125,656 1994: 87,570	1998: 38,727 1997: 22,910 1996: 6,690 1995: 1,004 1994: N/A	1998: 2,650 1997: NA 1996: NA 1995: NA 1994: NA	1998: 13,851 1997: 7,789 1996: 3,700 1995: NA 1994: NA	1998: 194,736 1997: 167,910 1996: 124,582 1995: 90,859 1994: 70,952

	Coventry/Principal Health Care of the Carolinas	QualChoice	The Wellness Plan of North Carolina, Inc.	United Healthcare of NC	WellPath Select
Enrollment Trends Data from 1998 Annual Financial Statement: Five Year Historical Data
Enrollment (Dec. 31, 1998)	21,576	68,764	32,072	204,285	87,592
Member Months in 1998	251,140	609,461	313,057	2,230,417	638,264
Average 1998 monthly enrollment	20,928	50,788	26,088	185,868	53,189
Percentage change in average monthly enrollment between 1997-98	36.2%	147.1%	3,561.5%	28.4%	250%
Five year ave. enrollment trends	1998: 20,928 1997: 15,369 1996: 6,129 1995: 418 1994: NA	1998: 50,788 1997: 20,556 1996: 8,824 1995: 1,127 1994: NA	1998: 26,088 1997: 8,215 1996: 713 1995: NA 1994: NA	1998: 185,868 1997: 144,769 1996: 118,293 1995: 100,528 1994: 84,810	1998: 53,189 1997: 15,192 1996: 2,136 1995: NA 1994: NA

¹ Prudential Health Care Plan reported national financial data. The enrollment and financial data include, but are not limited, to North Carolina data. Therefore, it may be difficult to compare Prudential Health Care Plan enrollment and financial numbers to other North Carolina HMOs.

How To Read Enrollment Data:

• Enrollment. This gives the HMO’s annual enrollment numbers as of December 31, 1998 as reported to the N.C. Department of Insurance in the annual Financial Statement. Enrollment numbers reflect commercial, Medicare and Medicaid enrollees where applicable. Partners, QualChoice, United Healthcare and WellPath have Medicare enrollees. Prudential, The Wellness Plan of North Carolina, Inc. and United Healthcare have Medicaid enrollees.
  
  
• Member Months. This lists the number of months of coverage for all of the HMO’s members in 1998. Someone who enrolls in a plan on January 1^st of a year and continues their enrollment in the plan for the entire year will account for 12 member months. A person who enrolls on December 1^st of a year will only have one member month in that year. The total number of member months describes how many members the HMO served each month over the entire year. Looking solely at the enrollment numbers at the end of the year could be misleading, as an HMO that enrolled all its members at the end of the year would have had to provide less services to an HMO that has the same annual enrollment numbers but enrolled most of its members in January. Enrollment numbers reflect commercial, Medicare and Medicaid enrollees where applicable. Partners, QualChoice, United Healthcare and WellPath have Medicare enrollees. Prudential, The Wellness Plan of North Carolina, Inc. and United Healthcare have Medicaid enrollees.
  
  
• Average 1998 Monthly Enrollment. This is the average monthly number of enrollees for each of the HMOs. It is the total member months divided by 12. Since HMOs enroll members at different times in the month, the average monthly enrollment is a better reflection of the numbers of members that the HMO typically serves. Average monthly enrollment can be used to compare the enrollment among different HMOs. Enrollment numbers reflect commercial, Medicare and Medicaid enrollees where applicable. Partners, QualChoice, United Healthcare and WellPath have Medicare enrollees. Prudential, The Wellness Plan of North Carolina, Inc. and United Healthcare have Medicaid enrollees.
  
  
• Percentage Change in Average Monthly Enrollment. This number shows whether the HMO added or lost members between 1997 and 1998. Enrollment numbers reflect commercial, Medicare and Medicaid enrollees where applicable. Partners, QualChoice, United Healthcare and WellPath have Medicare enrollees. Prudential, The Wellness Plan of North Carolina, Inc. and United Healthcare have Medicaid enrollees.
  
  
• Five-Year Enrollment Trends. This data shows the change in annual average monthly enrollment over the last five years. Enrollment numbers reflect commercial, Medicare and Medicaid enrollees where applicable. Partners, QualChoice, United Healthcare and WellPath have Medicare enrollees. Prudential, The Wellness Plan of North Carolina, Inc. and United Healthcare have Medicaid enrollees.
  

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