COMPLAINT RATIOS NATIONALLY AND FOR DELAWARE

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 Complaint Ratios

**2007 NAIC Ratios

Health Insurance

Group & Indivi.

Group & Indivi.

Group & Indiv.

Group & Indivi.

Aetna

1.01

0.94

n/a

0.94

AMS (United Healthcare Grp.)

0.90

0.90 

n/a

0.90

Assurant (Time)

2.14

2.58

n/a

2.58

Blue Cross Blue Shield

0.01

0.01

n/a

0.01 

Celtic

1.75

1.15

n/a

1.15

Golden Rule

0.64

0.61

n/a

0.61

John Alden

2.19

1.80

n/a

1.80

MEGA Life (NASE)

2.64

2.06

n/a

2.06

Midwest Security

1.96

2.20

n/a

2.20

Nationwide Life & Health

0.87

1.20

n/a

1.20

Principal Financial

 0.62 

 0.67

n/a

0.67

Trustmark/Starmark/Multi-Ben

3.62

 3.04

n/a

3.04

United Healthcare

0.90

0.90

n/a

 0.90

Delaware HMO's

accreditation

Aetna Health of Delaware, Inc.

excellent

AmeriHealth HMO

excellent

Blue Cross Blue Shield of Delaware

excellent

CIGNA Healthcare of Delaware

excellent

Optimum Choice, Inc.

excellent

*Source-State of Delaware Department of Insurance- (302) 674-7300

**Source - NAIC or National Association of Insurance Commissioners