COMPLAINT RATIOS NATIONALLY AND FOR IOWA

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.

*2004 NAIC Ratios

**2005 NAIC Ratios

*2005 State Ratios

**2006 NAIC Ratios

Health Insurance

Group & Indivi.

Group & Indivi.

Group & Indiv.

Group & Indivi.

Aetna

1.01

0.94

n/a

n/a

American Community

0.55

0.32

n/a

1.0

AMS (United Healthcare Grp.)

0.90

0.90 

0.182

1.39

Assurant (Time)

2.14

2.58

0.566

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

n/a

0.90

John Alden

2.19

1.80

n/a

1.16

Madison National Life

1.13

0.77

n/a

0.91

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

0.348

1.60

Principal Financial

 0.62 

 0.67

0.087

0.94

Sioux Valley Health Plan

n/a

n/a

0.674

n/a

Trustmark/Starmark/Multi-Ben

3.62

 3.04

n/a

2.86

United Healthcare

0.90

0.90

0.182

 1.39

Wellmark, Inc.

n/a

n/a

0.136

n/a

Iowa HMO's

*2003 State Ratios

Complaints per 1000 members

Avera Health Plans

0.547

2

Coventry Health Care of Iowa

0.138

20

Health Alliance-Midwest

0.679

3

NevadaCare Inc

0.18

1

Sioux Valley Health Plan

0.674

1

United Healthcare

0.091

3

Wellmark Health Plan of Iowa

0.129

17

*Source-State of Iowa Insurance Division - 1-877-955-1212

**Source - NAIC or National Association of Insurance Commissioners