COMPLAINT RATIOS NATIONALLY AND FOR CALIFORNIA

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

*2005 Complaints Ratios

**2007 NAIC Ratios

Health Insurance

Group & Indivi.

Group & Indivi.

Group & Indiv.

Group & Indivi.

Aetna

1.01

0.94

3.49

n/a

AMS (United Healthcare Grp.)

0.90

0.90 

n/a

1.39

Assurant (Time)

2.14

2.58

n/a

1.90

Blue Cross Blue Shield

0.01

0.01

n/a

n/a

Blue Cross of California

n/a

n/a

1.62

n/a

Blue Shield of California

n/a

n/a

2.58

n/a

Celtic

1.75

1.15

n/a

4.65

Golden Rule

0.64

0.61

n/a

0.90

Health Net of California

n/a

n/a

1.86

n/a

John Alden

2.19

1.80

n/a

1.16

Kaiser

n/a

n/a

2.59

n/a

MEGA Life (NASE)

2.64

2.06

n/a

2.72

Midwest Security

1.96

2.20

n/a

1.79

Nationwide Life & Health

0.87

1.20

n/a

1.60

PacifiCare of California

n/a

n/a

2.62

n/a

Principal Financial

 0.62 

 0.67

n/a

0.94

Trustmark/Starmark/Multi-Ben

3.62

 3.04

n/a

2.86

United Healthcare

0.90

0.90

n/a

 1.39

Universal Care

n/a

n/a

0.41

n/a

California HMO's

*2003 State Ratings

Aetna Health of California, Inc.

Poor

Blue Cross HMO- CaliforniaCare

Fair

Blue Shield of California HMO

Fair

CIGNA Healthcare of CA

Poor

Health Net of California, Inc.

Fair

Kaiser Permanente

Good

PacifiCare of California

Fair

Western Health Advantage

Good

*Source-State of California Office of the Patient Advocate- 1-866-499-0858

**Source - NAIC or National Association of Insurance Commissioners