COMPLAINT RATIOS NATIONALLY AND FOR MARYLAND

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 Total Number of Grievances

**2007 NAIC Ratios

Health Insurance

Group & Indivi.

Group & Indivi.

Group & Indiv.

Group & Indivi.

Aetna

1.01

0.94

266

n/a

AMS (United Healthcare Grp.)

0.90

0.90 

3

1.39

Assurant (Time)

2.14

2.58

2

1.90

Blue Cross Blue Shield

0.01

0.01

1

n/a

Celtic

1.75

1.15

n/a

4.65

Golden Rule

0.64

0.61

4

0.90

John Alden

2.19

1.80

n/a

1.16

MEGA Life (NASE)

2.64

2.06

6

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

1

2.86

United Healthcare

0.90

0.90

24

 1.39

Maryland HMO's

accreditation

Aetna of Maryland

excellent

CIGNA Healthcare

excellent

Kaiser Foundation

excellent

Optimum Choice

excellent

United Healthcare

excellent

*Source-State of Maryland Insurance Administration- 800-492-6116

**Source - NAIC or National Association of Insurance Commissioners