COMPLAINT RATIOS NATIONALLY AND FOR GEORGIA

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

n/a

n/a

AMS (United Healthcare Grp.)

0.90

0.90 

n/a

1.39

Assurant (Time)

2.14

2.58

n/a

1.90

Best Life & Health

0.31

0.33

n/a

1.04

Blue Cross Blue Shield

0.01

0.01

n/a

n./a

Celtic

1.75

1.15

n/a

4.65

Golden Rule

0.64

0.61

n/a

0.90

Humana

0.96

1.47

n/a

1.66

John Alden

2.19

1.80

n/a

1.16

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

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

Georgia HMO's

accreditation

Aetna Health, Inc.

excellent

Blue Cross Blue Shield

excellent

CIGNA Healthcare of Georgia

excellent

Kaiser Foundation Health Plan

excellent

United Healthcare of Georgia

excellent

*Source-State of Georgia Insurance and Safety Fire Commissioner - 404-656-2085

**Source - NAIC or National Association of Insurance Commissioners