COMPLAINT RATIOS NATIONALLY AND FOR  MAINE

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

1.0

n/a

AMS (United Healthcare Grp.)

0.90

0.90 

1.1

1.39

Assurant (Time)

2.14

2.58

8.2

1.90

Blue Cross Blue Shield

0.01

0.01

n/a

n/a

Celtic

1.75

1.15

n/a

4.65

Cigna Health Group

n/a

n/a

1.0

n/a

Golden Rule

0.64

0.61

n/a

0.90

John Alden

2.19

1.80

n/a

1.16

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

n/a

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

1.1

 1.39

Wellpoint Inc Group

n/a

n/a

0.7

n/a

Maine HMO's

accreditation

Aetna Health Inc.

excellent

Anthem Health Plans of Maine

excellent

CIGNA Healthcare

excellent

Harvard Pilgrim Health Care Inc.

excellent

*Source-State of Maine Bureau of Insurance- 800-300-5000

**Source - NAIC or National Association of Insurance Commissioners