COMPLAINT RATIOS NATIONALLY AND FOR NEW YORK

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

0.2218

n/a

AMS (United Healthcare Grp.)

0.90

0.90 

0.3288

1.39

Assurant (Time)

2.14

2.58

n/a

1.90

Blue Cross Blue Shield

0.01

0.01

n/a

n/a

Celtic

1.75

1.15

n/a

4.65

Community Blue

n/a

n/a

0.0135

n/a

Empire Health Choice

n/a

n/a

0.0412

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

Oxford Health Plans of NY

n/a

n/a

0.1446

n/a

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

0.3288

 1.39

New York HMO's

accreditation

Aetna Health Inc.

excellent

Blue Cross Blue Shield

excellent

CIGNA Healthcare of New York

excellent

ConnectiCare of New York

commendable

Empire HealthChoice of New York

excellent

Excellus Health Plan Inc.

excellent

Health Net of New York Inc.

excellent

Independent Health Association Inc.

excellent

Oxford Health Plans of New York

excellent

United HealthCare of New York

excellent

*Source-State of New York Insurance Department- 800-342-3736

**Source - NAIC or National Association of Insurance Commissioners