2010 Health Insurance Complaint Comparison

Published by the Maine Bureau of Insurance

Paul R. LePage
Governor

Eric Cioppa
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 2010. 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 2010;

the number of complaints received by the Bureau from consumers against that insurer during 2010;

and

a complaint index that compares the share of complaints to the share of premiums written in 2010. We also included the complaint index for 2009.

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 2010.

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	2010 Complaint Index	2009 Complaint Index	2010 Written Premium in Maine	Number of Complaints
AETNA GROUP	1.3	1.1	$269,312,855	47
ARCADIAN GROUP	0.6	0.8	$62,657,124	5
CIGNA HEALTH GROUP	0.5	0.6	$168,055,688	11
DELTA DENTAL PLAN OF MAINE	0.0	0.0	$55,009,968	0
HARVARD PILGRIM HEALTH CARE GROUP	0.6	0.0	$199,768,793	15
HEALTHMARKETS GROUP (Mega)	3.0	4.8	$34,996,373	14
LINCOLN NATIONAL GROUP	6.5	2.8	$5,698,994	5
MARTINS POINT GENERATIONS LLC	0.0	0.0	$43,018,578	0
UNITEDHEALTH GROUP	0.4	0.6	$177,878,751	9
UNUMPROVIDENT CORP GROUP	3.4	1.4	$45,951,556	21
WELLCARE GROUP	0.2	0.0	$32,361,494	1
WELLPOINT INC GROUP (Anthem)	1.0	1.0	$982,541,397	131
Total			$2,077,251,571	259

AETNA GROUP
AETNA HEALTH INC ME CORP
AETNA LIFE INSURANCE COMPANY

ARCADIAN GROUP
ARCADIAN HEALTH PLAN INC

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

DELTA DENTAL PLAN OF MAINE
MAINE DENTAL SERVICE CORP

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

LINCOLN NATIONAL GROUP
LINCOLN LIFE & ANNUITY COMPANY OF NY
LINCOLN NATIONAL LIFE INSURANCE COMPANY

MARTINS POINT GENERATIONS LLC
MARTINS POINT GENERATIONS LLC

UNITEDHEALTH GROUP
GOLDEN RULE INSURANCE COMPANY
UNIMERICA INSURANCE COMPANY
UNITEDHEALTHCARE 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

WELLCARE GROUP
WELLCARE PRESCRIPTION INSURANCE INC

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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