name = "BLUE CROSS BLUE SHIELD OF FLORIDA — employer benefit plan carrier profile (DOL Form 5500)"
description = "BLUE CROSS BLUE SHIELD OF FLORIDA (EIN 592015694) administers 45 employer welfare-benefit plans covering 40 employers and 4,317 persons (end-of-year count). Benefit types: health. Loss ratio: 54.8%. Atlas Commons aggregation over DOL Form 5500 EFAST2. CC0."
license = "CC0-1.0"
jsonld = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/benefit-carriers/592015694.jsonld"

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/benefit-carriers/592015694/carrier-identity"
warrant = "RECORDED"
name = "BLUE CROSS BLUE SHIELD OF FLORIDA (EIN 592015694) administers 45 employer benefit plans per DOL Form 5500 EFAST2"
text = "DOL Form 5500 EFAST2 filings record BLUE CROSS BLUE SHIELD OF FLORIDA (EIN 592015694, NAIC code 98167) as the carrier on 45 employer welfare-benefit plan schedule A attachments, covering 40 distinct employer EINs. Benefit types: health. This is a verbatim count of DOL EFAST2 records linking this carrier to employer plans."
source = "DOL Form 5500 employer welfare-plan filings (EFAST2)"
sourceUrl = "https://www.dol.gov/agencies/ebsa/employers-and-advisers/plan-administration-and-compliance/reporting-and-filing/form-5500"
falsifier = "Verify at the DOL EFAST2 public filing portal (https://www.dol.gov/agencies/ebsa/employers-and-advisers/plan-administration-and-compliance/reporting-and-filing/form-5500). Falsified if a direct count of Schedule A records naming EIN 592015694 as carrier differs from 45."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/benefit-carriers/592015694/persons-covered"
warrant = "DERIVED"
name = "BLUE CROSS BLUE SHIELD OF FLORIDA covers approximately 4,317 persons across its employer benefit plans (end-of-year count, DOL Form 5500 employer welfare-plan filings (EFAST2))"
text = "Atlas Commons sums the persons_covered_eoy field across all 45 DOL Form 5500 Schedule A records naming BLUE CROSS BLUE SHIELD OF FLORIDA (EIN 592015694) as carrier: 4,317 persons covered at end of year. This is a faithful sum of DOL-published figures — no adjustment for overlap across multiple plans at the same employer."
source = "DOL Form 5500 employer welfare-plan filings (EFAST2) (Atlas Commons aggregation)"
sourceUrl = "https://www.dol.gov/agencies/ebsa/employers-and-advisers/plan-administration-and-compliance/reporting-and-filing/form-5500"
falsifier = "Sum persons_covered_eoy for all Schedule A records with carrier EIN 592015694 in the DOL EFAST2 data. Falsified if the total differs."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/benefit-carriers/592015694/premium-claims"
warrant = "DERIVED"
name = "BLUE CROSS BLUE SHIELD OF FLORIDA received $44,799,672 in welfare premiums and paid $24,534,161 in claims per DOL Form 5500 Schedule A"
text = "Atlas Commons sums the welfare_premium_rcvd_amt and welfare_claims_paid_amt fields across all 45 DOL Form 5500 Schedule A records naming BLUE CROSS BLUE SHIELD OF FLORIDA (EIN 592015694) as carrier: $44,799,672 in premiums received and $24,534,161 in claims paid. These are faithful sums of DOL-published Schedule A figures. Many records have blank premium/claims amounts; the sum reflects only non-blank values."
source = "DOL Form 5500 employer welfare-plan filings (EFAST2) (Atlas Commons aggregation)"
sourceUrl = "https://www.dol.gov/agencies/ebsa/employers-and-advisers/plan-administration-and-compliance/reporting-and-filing/form-5500"
falsifier = "Sum welfare_premium_rcvd_amt and welfare_claims_paid_amt for carrier EIN 592015694 in DOL EFAST2. Falsified if totals differ."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/benefit-carriers/592015694/loss-ratio"
warrant = "DERIVED"
name = "BLUE CROSS BLUE SHIELD OF FLORIDA employer-plan loss ratio: 54.8% (Atlas Commons — claims paid / premiums received)"
text = "Atlas Commons computes BLUE CROSS BLUE SHIELD OF FLORIDA's employer-plan loss ratio as 54.8% (total claims paid / total premiums received × 100) across all DOL Form 5500 Schedule A records. A ratio below 100% means the carrier paid less in claims than it received in premiums. This is an Atlas Commons computation over the DOL-published Schedule A figures; DOL does not publish a per-carrier loss ratio."
source = "DOL Form 5500 employer welfare-plan filings (EFAST2) (Atlas Commons — claims_paid / premium_received × 100)"
sourceUrl = "https://www.dol.gov/agencies/ebsa/employers-and-advisers/plan-administration-and-compliance/reporting-and-filing/form-5500"
falsifier = "Reproduce: divide sum(welfare_claims_paid_amt) by sum(welfare_premium_rcvd_amt) for carrier EIN 592015694. Falsified if the ratio differs."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/benefit-carriers/592015694/boundary"
warrant = "INTERPRETATION"
name = "What this benefit carrier profile is — and is NOT — for BLUE CROSS BLUE SHIELD OF FLORIDA"
text = "This profile aggregates DOL Form 5500 Schedule A filings at the carrier level. Plan counts and person totals are AGGREGATED (Atlas Commons sums of DOL-published Schedule A figures). Loss ratio is an Atlas Commons computation. This surface answers \"how many employer plans report this carrier on Form 5500?\" — it is NOT a carrier quality rating, a complaint study, a solvency indicator, or a recommendation. Form 5500 reflects what employers self-report; the DOL does not independently verify carrier quality or financial strength from this data."
source = "Coverage Atlas framing (over the DOL Form 5500 sources cited above)"
sourceUrl = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/benefit-carriers/592015694"
falsifier = "occurred=FALSE (a framing) and adjudged=FALSE — the lowest-warrant claim in this dataset. Counts and dollar totals above are computable from DOL EFAST2."

[[benefit-carrier-indicators]]
Metric = "Plans on DOL Form 5500 Schedule A"
Value = "45"
Warrant = "AGGREGATED"

[[benefit-carrier-indicators]]
Metric = "Distinct employer EINs"
Value = "40"
Warrant = "AGGREGATED"

[[benefit-carrier-indicators]]
Metric = "Persons covered (end-of-year total)"
Value = "4,317"
Warrant = "AGGREGATED"

[[benefit-carrier-indicators]]
Metric = "Welfare premiums received"
Value = "$44,799,672"
Warrant = "AGGREGATED"

[[benefit-carrier-indicators]]
Metric = "Welfare claims paid"
Value = "$24,534,161"
Warrant = "AGGREGATED"

[[benefit-carrier-indicators]]
Metric = "Loss ratio (claims / premium)"
Value = "54.8%"
Warrant = "AGGREGATED"

[[benefit-carrier-indicators]]
Metric = "Carrier EIN"
Value = "592015694"
Warrant = "RECORDED"

[[benefit-carrier-indicators]]
Metric = "NAIC code"
Value = "98167"
Warrant = "RECORDED"

[[benefit-carrier-indicators]]
Metric = "Benefit types"
Value = "health"
Warrant = "AGGREGATED"
