COMPLAINT RATIOS NATIONALLY AND FOR COLORADO

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

*2008 State Ratios

**2008 NAIC Ratios

Health Insurance

Group & Indivi.

Group & Indivi.

Group & Indiv.

Group & Indivi.

Aetna

0.94

n/a

0.06

0.97

AMS (United Healthcare Grp.)

0.90

1.39 

0.13

1.47

Assurant (Time)

2.58

1.90

0.40

1.92

Best Life & Health

0.33

1.04

n/a

0.26

Blue Cross Blue Shield

0.01

n/a

n/a

n/a

Celtic

1.15

4.65

2.80

2.04

Golden Rule

0.61

0.90

0.39

1.04

Humana

1.47

1.66

0.13

3.52

John Alden

1.80

1.16

 0.34

1.45

Kaiser Foundation Health Plan of CO

n/a

n/a

0.06

n/a

MEGA Life (NASE)

2.06

2.72

1.23

5.87

Midwest Security

2.20

1.79

n/a

1.74

Nationwide Life & Health

1.20

1.60

n/a

1.80

PacifiCare of CO, Inc.

n/a

n/a

0.07

n/a

Principal Financial

 0.67 

 0.94

0.14

1.20

Rocky Mountain HMO, Inc.

n/a

n/a

0.09

n/a

Trustmark/Starmark/Multi-Ben

3.04

 2.86

n/a

3.33

United Healthcare

0.90

1.39

0.11

 n/a

Colorado HMO's

*2003 State Ratios

Complaints per 1000 members

Aetna

0.08

8

CIGNA Healthcare of CO, Inc

0.18

16

Great-west Healthcare of CO, Inc

0.09

2

HMO Colorado, Inc

0.06

8

Kaiser Foundation Health Plan of CO

0.04

48

PacifiCare of CO, Inc

0.06

33

Rocky Mountain HMO, Inc

0.09

10

United Healthcare of CO, Inc

0.13

8

*Source-State of Colorado Division of Insurance - 1-800-930-3745

**Source - NAIC or National Association of Insurance Commissioners