COMPLAINT RATIOS NATIONALLY AND FOR TENNESSEE

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

n/a

n/a

AMS (United Healthcare Grp.)

0.90

0.90 

n/a

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

Golden Rule

0.64

0.61

n/a

0.61

Humana

0.96

1.47

n/a

1.66

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

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

n/a

 1.39

Tennessee HMO's

accreditation

Aetna Health Inc.

excellent

Cariten Health Plan

excellent

CIGNA Healthcare

excellent

United Healthcare of Tennessee

excellent

Memphis Managed Care Corporation

excellent

Preferred Health Partnership of TN

commendable

UAHC Health Plan of Tennessee

commendable

Unison Health Plan of Tennessee

commendable

Volunteer State Health Plan

excellent

*Source-State of Tennessee Department of Commerce and Insurance- (615) 741-2241

**Source - NAIC or National Association of Insurance Commissioners