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.

**2006 NAIC Ratios

**2007 NAIC Ratios

*2007 State Ratios

**2008 NAIC Ratios

Health Insurance

Group & Indivi.

Group & Indivi.

Group & Indiv.

Group & Indivi.

Aetna

0.94

n/a

0.27

0.97

AFLAC

64.21

94.01

0.09

0.24

American Community

0.32

1.0

0.21

1.41

AMS (United Healthcare Grp.)

0.90

1.39 

0.11

1.47

American National (Standard Life)

4.58

1.92

0.17

2.17

Assurant (Time)

2.58

1.90

0.35

1.92

Best Life & Health

0.33

1.04

n/a

0.26

Blue Cross Blue Shield

0.01

n/a

0.11

n/a

Celtic

1.15

4.65

1.09

2.04

Companion Life

0.40

0.26

0.09

27.48

Golden Rule

0.61

0.90

0.62

1.04

Humana

1.47

1.66

0.17

3.52

John Alden

1.80

1.16

 0.44

1.45

Liberty Union

n/a

n/a

 0.11

n/a

Madison National Life

0.77

0.91

0.12

18.34

Medical Mutual (Consumers)

0.74

1.15

n/a

1.77

MEGA Life (NASE)

2.06

2.72

0.65

5.87

Midwest Security

2.20

1.79

0.14

1.74

Mutual of Omaha

0.95

1.09

0.07

0.46

Nationwide Life & Health

1.20

1.60

n/a

1.80

Pacificare

1.21

3.72

1.11

1.55

Principal Financial

 0.67 

 0.94

0.10

1.20

Trustmark/Starmark/Multi-Ben

3.04

 2.86

0.48

3.33

U.S. Health & Life

n/a

n/a

0.71

 n/a

Unicare

1.59

1.89

0.27

 0.59

United Healthcare

0.90

1.39

0.14

 n/a

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

10.10

10.10

PHP

7.00

7.00

Priority Health Plan

1.60

1.60

Total Health Care

 1.2

1.2

*Source-State of Michigan Department of Labor & Economic Growth / Office of Financial & Insurance Services - 1-877-999-6442

**Source - NAIC or National Association of Insurance Commissioners