COMPLAINT RATIOS NATIONALLY AND FOR NORTH CAROLINA

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 Complaint Ratio

**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 

n/a

1.39

Assurant (Time)

2.14

2.58

2.33

1.90

Blue Cross Blue Shield

0.01

0.01

0.21

n/a

Celtic

1.75

1.15

2.62

4.65

Golden Rule

0.64

0.61

2.31

0.90

Humana

0.96

1.47

0.02

1.66

John Alden

2.19

1.80

1.86

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

0.29

0.94

Trustmark/Starmark/Multi-Ben

3.62

 3.04

0.94

2.86

United Healthcare

0.90

0.90

n/a

 1.39

North Carolina HMO's

accreditation

Aetna Health, Inc.

excellent

Blue Cross Blue Shield

excellent

CIGNA Healthcare

excellent

United Healthcare

excellent

*Source-State of North Carolina Department of Insurance - 800-546-5664

**Source - NAIC or National Association of Insurance Commissioners