COMPLAINT RATIOS NATIONALLY AND FOR KENTUCKY

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

0.11

n/a

AMS (United Healthcare Grp.)

0.90

0.90 

0.14

1.39

Assurant (Time)

2.14

2.58

0.10

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

Humana

0.96

1.47

0.15

1.66

John Alden

2.19

1.80

n/a

1.16

MEGA Life (NASE)

2.64

2.06

0.24

2.72

Midwest Security

1.96

2.20

n/a

1.79

Nationwide Life & Health

0.87

1.20

0.11

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

0.14

 1.39

Kentucky HMO's

accreditation

Anthem Health Plans Kentucky

excellent

Humana Health Plan

excellent

United Healthcare

excellent

University Health Care

excellent

*Source-State of Kentucky Office of Insurance- (800) 595-6053

**Source - NAIC or National Association of Insurance Commissioners