COMPLAINT RATIOS NATIONALLY AND FOR PENNSYLVANIA

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.

**2006 NAIC Ratios

**2007 NAIC Ratios

*2008 State Ratios

**2008 NAIC Ratios

Health Insurance

Group & Indivi.

Group & Indivi.

Group & Indiv.

Group & Indivi.

Aetna

0.94

n/a

n/a

0.97

American Community

0.32

1.0

n/a

1.41

AMS (United Healthcare Grp.)

0.90

1.39

n/a

1.47

Assurant (Time)

2.58

1.90

n/a

1.92

Best Life & Health

0.33

1.04

n/a

0.26

Blue Cross Blue Shield

0.01

n/a

n/a

n/a

Celtic

1.15

4.65

n/a

2.04

Golden Rule

0.61

0.90

n/a

1.04

John Alden

1.80

1.16

n/a

1.45

Madison National Life

0.77

0.91

n/a

18.34

MEGA Life (NASE)

2.06

2.72

n/a

5.87

Midwest Security

2.20

1.79

n/a

1.74

Nationwide Life & Health

1.20

1.60

n/a

1.80

Principal Financial

 0.67 

 0.94

n/a

1.20

Trustmark/Starmark/Multi-Ben

3.04

 2.86

n/a

3.33

United Healthcare

0.90

1.39

n/a

n/a

Pennsylvania HMO's

accreditation

Aetna Health Inc.

excellent

AmeriHealth HMO

excellent

CIGNA Healthcare

excellent

HealthAmerica Pennsylvania

excellent

Keystone Health Plan Central

excellent

AmeriChoice of PA

excellent

Gateway Health Plan, Inc.

excellent

Unison Health Plan of Pennsylvania

excellent

*Source-State of Pennsylvania Insurance Department - 1-(877) 881-6388

**Source - NAIC or National Association of Insurance Commissioners