COMPLAINT RATIOS NATIONALLY AND FOR WISCONSIN

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

0.03

0.97

AMS (United Healthcare Grp.)

0.90

1.39

0.04

1.47

Assurant (Time)

2.58

1.90

0.05

1.92

Blue Cross Blue Shield

0.01

n/a

0.11

n/a

Celtic

1.15

4.65

n/a

2.04

Golden Rule

0.61

0.90

n/a

1.04

Humana

1.47

1.66

0.03

3.52

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

0.16

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

0.04

n/a

Wisconsin HMO's

accreditation

Blue Cross Blue Shield

excellent

Dean Health Plan, Inc.

excellent

Humana

excellent

MercyCare Health Plans

excellent

Network Health Plans

excellent

Security Health Plan of Wisconsin

excellent

United Healthcare

excellent

Unity Health Plans Insurance Corporation

excellent

*Source-State of Wisconsin Office of the Commissioner of Insurance- (800) 236-8517

**Source - NAIC or National Association of Insurance Commissioners