COMPLAINT RATIOS NATIONALLY AND FOR MICHIGAN

Per $ 1 million in premiums paid

1(one) is set as the median level or average of all companies

Below 1.00 means the company is better than average.

Above 1.00 means the company is worse than average.

*2005 NAIC Ratios

**2006 NAIC Ratios

*2006 State Ratios

**2007 NAIC Ratios

Health Insurance

Group & Indivi.

Group & Indivi.

Group & Indiv.

Group & Indivi.

Aetna

1.01

0.94

0.33

n/a

AFLAC

11.66

64.21

0.11

94.01

American Community

0.55

0.32

0.22

1.0

AMS (United Healthcare Grp.)

0.90

0.90 

0.19

1.39

American National

3.02

4.58

0.54

1.92

Assurant (Time)

2.14

2.58

0.35

1.90

Best Life & Health

0.31

0.33

n/a

1.04

Blue Cross Blue Shield

0.01

0.01

0.11

n/a

Celtic

1.75

1.15

1.42

4.65

Companion Life

0.49

0.40

0.17

0.26

Golden Rule

0.64

0.61

0.88

0.90

Humana

0.96

1.47

0.22

1.66

John Alden

2.19

1.80

 0.37

1.16

Liberty Union

n/a

n/a

 0.17

n/a

Madison National Life

1.13

0.77

n/a

0.91

Medical Mutual (Consumers)

0.72

0.74

n/a

1.15

MEGA Life (NASE)

2.64

2.06

0.39

2.72

Midwest Security

1.96

2.20

0.40

1.79

Mutual of Omaha

1.74

0.95

0.05

1.09

Nationwide Life & Health

0.87

1.20

n/a

1.60

Pacificare

1.76

1.21

0.35

3.72

Principal Financial

 0.62 

 0.67

0.14

0.94

Trustmark/Starmark/Multi-Ben

3.62

 3.04

0.77

2.86

U.S. Health & Life

n/a

n/a

0.29

 n/a

Unicare

1.05

1.59

0.18

 1.89

United Healthcare

0.90

0.90

0.19

 1.39

Michigan HMO's

*2003 State Ratios

Complaints per 1000 members

Blue Care Network of MI

2.90

2.90

Care Choices now Priority Health

1.20

1.20

HAP (Health Alliance Plan)

1.90

1.90

Health Plus

1.30

1.30

Molina