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Maine.gov > PFR Home > Insurance Regulation > Consumer Information > All Brochures > 2012 Health, Disability and Long-Term Care Insurance Complaint Comparison

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2012 Health, Disability and Long-Term Care Insurance Complaint Comparison

Published by the Maine Bureau of Insurance

Paul R. LePage
Governor

Eric Cioppa
Superintendent

Health, Disability and Long-Term Care Insurance Complaint Comparison

The center pages of this brochure show information about the number of individual and group health insurance, disability and long-term care complaints received by the Bureau of Insurance from consumers in 2012. This information is provided as a tool for you to use when you compare these kinds of 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.

This Complaint Comparison was compiled differently from the comparisons posted in prior years. This year's comparison includes long-term care for the first time. Additionally, there were slight changes in the kinds of complaints included in the index and a major change in what written premium is included. In prior years written premium came from Annual Statements filed by insurance companies and included Medicare and Medicaid which the bureau does not regulate. This year's written premium comes from the 286-A report (Supplemental Insurance Reporting form) and includes only the following types of coverage: Disability Income, Medical - Large Group, Medical - Small Group, Medical - Individual, Dental, Medicare Supplement, Cancer & Dread Disease, Short-Term Medical, and Vision.


What does the table tell me?

The table shows the following about each company:

the amount of direct premium that was written in 2012;

the number of complaints received by the Bureau from consumers against that insurer during 2012;

and

a complaint index that compares the share of complaints to the share of premiums written in 2012. We also included the complaint index for 2011.

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, disability or long-term care 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

or

collected premiums for health policies sold in Maine that represent at least 1% of the total written premium collected by all insurers selling health, disability and long-term care insurance policies in Maine for the year 2012.

NOTES: 1) Many companies are part of an insurance "group." If you can't find your company on the chart, look at the lists beneath it to see if it is part of a group. 2) Complaint numbers are for fully-insured plans and do not include complaint numbers for self-insured governmental plans or other self-insured plans.

INDIVIDUAL AND GROUP HEALTH, DISABILITYAND LONG-TERM CARE
Group Name
2012 Complaint Index 2011 Complaint Index 2012 Written Premium in Maine 2012 Number of Complaints
AETNA GROUP 1.4 1.4 $191,827,994 33
CIGNA HEALTH GROUP 1.4 0.6 $154,631,383 28
CNO FINANCIAL GROUP (includes Bankers Life & Cas.) 3.5 4.7 $11,689,451 5
GENWORTH FINANCIAL GROUP 3.7 - $13,348,649 6
HARVARD PILGRIM HEALTH CARE GROUP 0.3 0.5 $234,942,464 8
HEALTHMARKETS GROUP (includes Mega) 1.3 2.1 $37,517,363 6
NORTHEAST DELTA DENTAL GROUP 0.0 0.1 $52,164,198 0
UNITEDHEALTH GROUP 0.9 0.8 $103,691,627 12
UNUMPROVIDENT CORP GROUP 1.7 2.9 $42,294,756 9
WELLPOINT INC GROUP (includes Anthem) 0.7 0.8 $866,963,444 76
Totals for Above Groups     $1,709,071,329 183

AETNA GROUP
AETNA HEALTH INC ME CORP
AETNA LIFE INSURANCE COMPANY

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

CNO FINANCIAL GROUP
BANKERS LIFE & CASUALTY COMPANY
COLONIAL PENN LIFE INSURANCE COMPANY
CONSECO LIFE INSURANCE COMPANY
WASHINGTON NATIONAL LIFE INSURANCE COMPANY

GENWORTH FINANCIAL GROUP
GENWORTH LIFE & ANNUITY INSURANCE COMPANY
GENWORTH 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

NORTHEAST DELTA DENTAL GROUP
MAINE DENTAL SERVICE CORP
RED TREE INSURANCE COMPANY

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

WELLPOINT INC GROUP
ANTHEM HEALTH PLANS OF ME 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/pfr/insurance


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Last Updated: October 8, 2013