2008 Health Insurance Complaint Comparison

Published by the Maine Bureau of Insurance

John Elias Baldacci
Governor

Mila Kofman, Superintendent

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 2008. 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 2008;

the number of complaints received by the Bureau from consumers against that insurer during 2008;

and

a complaint index that compares the share of complaints to the share of premiums written in 2008. We also included the complaint index for 2007.

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 2008.

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	2008 Complaint Index	2007 Complaint Index	2008 Written Premium in Maine	Number of Complaints
AETNA GROUP	1.2	1.0	$303,019,012	49
AMERICAN INTERNATIONAL GROUP	15.8	5.3	$2,392,422	5
CIGNA HEALTH GROUP	0.6	1.3	$155,670,148	13
CONSECO GROUP	6.7	3.5	$14,663,273	13
DELTA DENTAL PLAN OF MAINE	0.0	0.0	$53,227,007	0
HARTFORD FIRE & CASUALTY GROUP	1.0	0.0	$21,750,751	3
HARVARD PILGRIM HEALTH CARE GROUP	0.5	0.4	$166,506,642	12
HEALTHMARKETS GROUP (Mega)	5.2	3.4	$29,332,675	20
UNITEDHEALTH GROUP	0.6	0.6	$150,536,956	12
UNIVERSAL AMERICAN FINANCIAL CORP	1.0	0.9	$31,110,128	4
UNUMPROVIDENT CORP GROUP	1.9	1.7	$53,227,290	13
WELLPOINT INC GROUP (Anthem)	0.9	0.8	$911,500,393	103
Total			$2,166,874,044	286

AETNA GROUP
AETNA HEALTH INC ME CORP
AETNA LIFE INSURANCE COMPANY

AMERICAN INTERNATIONAL GROUP
AIG LIFE INSURANCE COMPANY
AIG PREMIER INSURANCE COMPANY
AMERICAN GENERAL ASSURANCE COMPANY
AMERICAN GENERAL LIFE & ACCIDENT INSURANCE COMPANY
AMERICAN GENERAL LIFE INSURANCE COMPANY
AMERICAN HOME ASSURANCE COMPANY
AMERICAN INTERNATIONAL LIFE ASSURANCE COMPANY OF NY
MERIT LIFE INSURANCE COMPANY
NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH
SUNAMERICA LIFE INSURANCE COMPANY
UNITED STATES LIFE INSURANCE COMPANY IN NYC

CIGNA HEALTH GROUP
ALTA HEALTH & LIFE INSURANCE COMPANY
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
WASHINGTON NATIONAL INSURANCE COMPANY

DELTA DENTAL PLAN OF MAINE
MAINE DENTAL SERVICE CORP

HARTFORD FIRE & CASUALTY GROUP
HARTFORD LIFE & ACCIDENT INSURANCE COMPANY
HARTFORD LIFE & ANNUITY INSURANCE COMPANY
HARTFORD LIFE INSURANCE COMPANY

HARVARD PILGRIM HEALTH CARE GROUP
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
UNIMERICA INSURANCE COMPANY
UNITED HEALTHCARE INSURANCE COMPANY

UNIVERSAL AMERICAN FINANCIAL CORP GROUP
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
ANTHEM 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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