COMPLAINT RATIOS NATIONALLY AND FOR INDIANA

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

2.10

n/a

American Community

0.55

0.32

1.00

1.0

AMS (United Healthcare Grp.)

0.90

0.90 

4.13

1.39

American National

3.02

4.58

11.91

1.92

Anthem Insurance Co.

n/a

n/a

0.83

n/a

Assurant (Time)

2.14

2.58

4.25

1.90

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

2.77

0.90

Humana

0.96

1.47

1.58

1.66

John Alden

2.19

1.80

 1.51

1.16

Madison National Life

1.13

0.77

 0.85

0.91

Medical Mutual (Consumers)

0.72

0.74

 7.44

1.15

MEGA Life (NASE)

2.64

2.06

3.54

2.72

Midwest Security

1.96

2.20

2.20

1.79

Nationwide Life & Health

0.87

1.20

2.13

1.60

Principal Financial

 0.62 

 0.67

0.64

0.94

Trustmark/Starmark/Multi-Ben

3.62

 3.04

n/a

2.86

Unicare

1.05

1.59

2.46

 1.89

United Healthcare

0.90

0.90

4.13

 1.39

Indiana HMO's

Number of Grievances

Advantage Health Solutions

1,038

CIGNA of Indiana

2,723

Humana Health Plan

241

Molina Health Plan of Indiana

124

United Healthcare

62

Welborn Health Plans

320

*Source-State of Indiana Department of Insurance - 1-317-232-2385

**Source - NAIC or National Association of Insurance Commissioners