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| related topics |
| {capital, credit, financial} |
| {tax, income, asset} |
| {regulation, government, change} |
| {condition, economic, financial} |
| {loss, insurance, financial} |
| {product, market, service} |
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Our customers decisions to transition from a fully-insured to a self-insured dental plan or from a self funded to a fully-insured dental plan could result in lower contribution margins and increased costs.
Claims submitted by dental providers may be fraudulent or duplicative, which may reduce our gross profit margin and net income.
The financial strength rating assigned to Dental Care Plus may be downgraded, which could result in a loss of employer groups and insurance brokers, which may, in turn, cause our premium revenue to decline.
If we fail to maintain contracts with an adequate number of dentists, it may be difficult to attract and retain employer groups, which may lead to a loss of premium revenue.
We encounter significant competition that may limit our ability to increase or maintain membership in the markets we serve, which may harm our growth and our operating results.
Our business is heavily regulated by the states in which we do business, and our failure to comply with regulatory requirements could lead to a loss of our authority to do business in such states.
If an event of default occurs under the loan documents we entered into in connection with the purchase of our office building, the entire balance of indebtedness due under these loan documents may become due, which could have an adverse effect on our short-term liquidity and may lead to a downgrade of our financial strength rating.
A decrease in the working capital and liquidity of our business may have an impact on our ability to meet debt service requirements.
Our business is highly concentrated in a limited geographic area and adverse economic conditions within the markets in which we do business could impair or reverse our growth trends and have a negative impact on our premium revenue and net income.
Dental services utilization by members of our fully-insured dental plans may be higher than expected, resulting in higher than anticipated healthcare services expense and a reduction in our net income.
Full 10-K form ▸
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