COMPLAINT RATIOS NATIONALLY AND FOR DISTRICT OF KANSAS

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

*2005 State Ratios

**2007 NAIC Ratios

Health Insurance

Group & Indivi.

Group & Indivi.

Group & Indiv.

Group & Indivi.

Aetna

1.01

0.94

0.48

n/a

AMS (United Healthcare Grp.)

0.90

0.90 

0.74

1.39

Assurant (Time)

2.14

2.58

1.65

1.90

Blue Cross Blue Shield of Kansas, Inc.

0.01

0.01

0.15

n/a

Celtic

1.75

1.15

5.33

4.65

Golden Rule

0.64

0.61

n/a

0.90

Humana

0.96

1.47

0.47

1.66

John Alden

2.19

1.80

1.84

1.16

MEGA Life (NASE)

2.64

2.06

2.78

2.72

Midwest Security

1.96

2.20

n/a

1.79

Nationwide Life & Health

0.87

1.20

n/a

1.60

Preferred Health Systems Insurance Company

n/a

n/a

0.10

n/a

Principal Financial

 0.62 

 0.67

0.19

0.94

Trustmark/Starmark/Multi-Ben

3.62

 3.04

0.03

2.86

United Healthcare

0.90

0.90

0.30

 1.39

Kansas HMO's

accreditation

Blue Cross Blue Shield of Kansas City

excellent

CIGNA Healthcare

excellent

Humana Health Plan Inc.

excellent

United Healthcare

excellent

*Source-State of Kansas Department of Insurance- 785-296-3071

**Source - NAIC or National Association of Insurance Commissioners