COMPLAINT RATIOS NATIONALLY AND FOR VIRGINIA

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

0.90

John Alden

2.19

1.80

n/a

1.16

Madison National Life

1.13

0.77

n/a

0.91

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

Unicare

1.05

1.59

n/a

 1.89

United Healthcare

0.90

0.90

n/a

 1.39

Virginia HMO's

accreditation

CareFirst BlueChoice

excellent

Health Keepers

excellent

Kaiser Foundation Health Plan

excellent

Optima Health Plan

excellent

Optimum Choice, Inc.

excellent

Peninsula Health Care, Inc.

excellent

Priority Health Care, Inc.

excellent

Southern Health Services, Inc.

excellent

United Healthcare

excellent

*Source-State of Virginia Bureau of Insurance- 877-310-6560

**Source - NAIC or National Association of Insurance Commissioners