COMPLAINT RATIOS NATIONALLY AND FOR ILLINOIS

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

1.97

0.97

American Community

0.32

1.0

n/a

1.0

AMS (United Healthcare Grp.)

0.90

1.39 

0.95

1.47

Assurant (Time)

2.58

1.90

10.14

1.92

Blue Cross Blue Shield

0.01

n/a

n/a

n/a

Celtic

1.15

4.65

n/a

2.04

Golden Rule

0.61

0.90

31.53

1.04

Humana

1.47

1.66

9.20

1.66

John Alden

1.80

1.16

n/a

1.45

Madison National Life

   0.77

0.91

n/a

18.34

MEGA Life (NASE)

2.06

2.72

6.66

5.87

Midwest Security

2.20

1.79

n/a

1.74

Nationwide Life & Health

1.20

1.60

n/a

1.80

Principal Financial

 0.67 

 0.94

1.35

1.20

Trustmark/Starmark/Multi-Ben

3.04

 2.86

2.47

3.33

Unicare Health Plans

n/a

n/a

12.75

n/a

United Healthcare

0.90

1.39

12.73

n/a

Illinois HMO's

accreditation

Aetna Health of Illinois

excellent

CIGNA Healthcare of Illinois

excellent

Health Alliance Medical Plans

excellent

Illinois and Blue Advantage HMO

excellent

Humana Health Plan, Inc.

commendable

Medical Associates Health Plan, Inc.

excellent

PersonalCare Insurance of Illinois

excellent

UniCare Health Plans

excellent

United Healthcare

commendable

*Source-State of Illinois Division of Insurance - 877-527-9431

**Source - NAIC or National Association of Insurance Commissioners