2006 Health Insurance Complaint Comparison

Published by the Maine Bureau of Insurance

John Elias Baldacci
Governor

Health Insurance Complaint Comparison

The center pages of this brochure show information about the number of health insurance complaints received by the Bureau of Insurance from consumers in 2006. This information is provided as a tool for you to use when you compare health insurance companies. Other important information to consider when comparing insurance companies includes policy prices, what the policy covers, what the policy does not cover (policy exclusions), and the financial strength of the company.

What does the table tell me?

The table shows the following about each company:

the amount of direct premium that was written in 2006;

the number of complaints received by the Bureau from consumers against that insurer during 2006;

and

a complaint index that compares the share of complaints to the share of premiums written in 2006. We also included the complaint index for 2005.

Why use a complaint index?

With a complaint index you can see at a glance how a health insurer compares to the average.

A complaint index of 1 is average.

Less than 1 is better than average.

Greater than 1 is worse than average.

Not all companies who sell health insurance in Maine appear in this brochure. Some companies do not write enough insurance in Maine to show meaningful information. This brochure includes only companies that either:

have 5 or more complaints received

collected premiums for health policies sold in Maine that represent at least 1% of the total health insurance premium collected by all insurers selling health policies in Maine for the year 2006.

A complaint index of 1 is average, less than 1 is better than average, greater than 1 is worse than average.

NOTE: Many companies are part of an insurance "group." If you can't find your company on the chart, look at the lists on the below to see if it is part of a group.

INDIVIDUAL AND GROUP HEALTH Group Name	2006 Complaint Index	2005 Complaint Index	2006 Written Premium in Maine	Number of Complaints
AETNA GROUP	1.0	1.1	$236,125,408	38
ASSURANT, INC GROUP (American Bankers & John Alden)	8.2	10.1	$4,421,324	6
CIGNA HEALTH GROUP	1.0	1.0	$141,748,594	23
CONSECO GROUP	4.1	6.6	$20,610,720	14
DELTA DENTAL PLAN OF MAINE	0.2	0.2	$52,713,438	2
GENWORTH FINANCIAL GROUP	0.3	0.3	$18,949,114	1
HARVARD COMMUNITY HEALTH PLAN GROUP	1.1	N/A	$39,111,196	7
HEALTHMARKETS GROUP (Mega)	3.7	3.8	$22,775,540	14
UNITEDHEALTH GROUP	1.1	0.9	$116,130,883	22
UNIVERSAL AMERICAN FINANCIAL CORP	3.9	N/A	$7,692,625	5
UNUMPROVIDENT CORP GROUP	1.5	1.8	$61,846,670	15
WELLPOINT INC GROUP (Anthem)	0.7	0.7	$957,080,708	110*
Total			$1,679,206,170	257

*There are an additional 13 complaints that are not reflected in this total. Although the Bureau of Insurance has jurisdiction over these complaints, since there is no corresponding premium collected, the complaints are not included in the calculation to obtain the complaint index.

AETNA GROUP
AETNA HEALTH INC ME CORP
AETNA LIFE INSURANCE COMPANY

ASSURANT INC GROUP
AMERICAN BANKERS INSURANCE COMPANY OF FL
AMERICAN BANKERS LIFE ASSURANCE COMPANY OF FL
JOHN ALDEN LIFE INSURANCE COMPANY
TIME INSURANCE COMPANY
UNION SECURITY INSURANCE COMPANY

CIGNA HEALTH GROUP
CIGNA HEALTHCARE OF ME INC
CONNECTICUT GENERAL LIFE INSURANCE COMPANY
LIFE INSURANCE COMPANY OF NORTH AMERICA

CONSECO GROUP
BANKERS LIFE & CASUALTY COMPANY
COLONIAL PENN LIFE INSURANCE COMPANY
CONSECO HEALTH INSURANCE COMPANY
CONSECO INSURANCE COMPANY
CONSECO LIFE INSURANCE COMPANY
CONSECO SENIOR HEALTH INSURANCE COMPANY
WASHINGTON NATIONAL INSURANCE COMPANY

DELTA DENTAL PLAN OF MAINE
MAINE DENTAL SERVICE CORP

GENWORTH FINANCIAL GROUP
FEDERAL HOME LIFE INSURANCE COMPANY
GENWOTH LIFE & ANNUITY INSURANCE COMPANY
GENWORTH LIFE & HEALTH INSURANCE CO
GENEWORTH LIFE INSURANCE COMPANY

HARVARD COMMUNITY HEALTH PLAN
HARVARD PILGRIM HEALTH CARE INC
HPHC INSURANCE COMPANY INC

HEALTHMARKETS GROUP
CHESAPEAKE LIFE INSURANCE COMPANY
MEGA LIFE & HEALTH INSURANCE COMPANY

UNITEDHEALTH GROUP
GOLDEN RULE INSURANCE COMPANY
PACIFICARE LIFE & HEALTH INSURANCE COMPANY
UNITED HEALTHCARE INSURANCE COMPANY

UNIVERSAL AMERICAN FINANCIAL CORP
AMERICAN PROGRESSIVE LIFE & HEALTH INSURANCE CO OF NY
CONSTITUTION LIFE INSURANCE COMPANY
PENNSYLVANIA LIFE INSURANCE COMPANY
UNION BANKERS INSURANCE COMPANY

UNUMPROVIDENT CORP GROUP
COLONIAL LIFE & ACCIDENT INSURANCE COMPANY
PAUL REVERE LIFE INSURANCE COMPANY
PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY
UNUM LIFE INSURANCE COMPANY OF AMERICA

WELLPOINT INC. GROUP
ANTHEM HEALTH PLANS OF ME INC
AMTHME INSURANCE COMPANY INC
ANTHEM LIFE INSURANCE COMPANY
UNICARE LIFE & HEALTH INSURANCE COMPANY

You can reach the Bureau of Insurance at:
34 State House Station, Augusta, ME 04333
Telephone: (800) 300-5000 (in State) or (207) 624-8475
Web site: www.maine.gov/insurance

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