2011

2010

2009

Medical claims payable, beginning of the year

$

510,675

$

529,036

$

536,107

Health benefits expense incurred during the year:

Related to current year

5,365,247

4,828,321

4,492,590

Related to prior years

(92,988

)

(106,215

)

(85,317

)

Total incurred

5,272,259

4,722,106

4,407,273

Health benefits payments during the year:

Related to current year

4,823,667

4,359,216

4,007,789

Related to prior years

385,819

381,251

406,555

Total payments

5,209,486

4,740,467

4,414,344

Medical claims payable, end of the year

$

573,448

$

510,675

$

529,036

Current year medical claims paid as a percent of current year health benefits expense incurred

89.9

%

90.3

%

89.2

%

Health benefits expense incurred related to prior years as a percent of prior year medical claims payable as of December 31

(18.2

)%

(20.1

)%

(15.9

)%

Health benefits expense incurred related to prior years as a percent of the prior year’s health benefits expense related to current year

(1.9

)%

(2.4

)%

(2.3

)%