Insurer profile · NAIC + CMS

USAble HMO, Inc.

Name: USAble HMO, Inc. Insurance Complaint & Denial Data
Creator: PlainInsurer
License: https://creativecommons.org/publicdomain/zero/1.0

USAble HMO, Inc.'s complaint record, claim-denial rate and reputation grade, drawn from published NAIC complaint data and CMS Transparency in Coverage.

Compiled by PlainInsurer, Public-data reference publisher · August 11, 2026

B
Reputation grade: 16.3%
Claims denied: 1
States (CMS data)

The verdict

USAble HMO, Inc. earns a B reputation grade - a better-than-average record versus peers, according to CMS Transparency in Coverage filings, 16.3% of its marketplace claims were denied across 1 state.

B
reputation grade: 16.3%
claims denied (CMS)

Reputation grade B (composite score 75.7) - A=Excellent, F=Failing. Based on NAIC complaint ratios and CMS denial data.

Graded on 1 of 3 measures: claim denials. The score is rescaled across the measures available, so it is not directly comparable with a carrier graded on more of them.

How we calculated this grade →

NAIC CIS filing desk

NAIC NAIC B · 75.7

GRADE-B · INDEX-UNK · DENIAL-ELEV · RANK-UNK · PHOTO-SOLO · LINES-0 · BOOK-MID

GRADE-B B · 75.7
INDEX-UNK Index blank
DENIAL-ELEV 16.3% denied
RANK-UNK Rank pending
PHOTO-SOLO No peer gap
LINES-0 No lines
BOOK-MID 3/7 fields

Instrument codes from this carrier’s NAIC Consumer Information Source filing: grade band, complaint index, CMS denial band, corpus rank, photo-finish peer, line book, and field completeness. Not an official NAIC rating.

CMS marketplace filing

Reported appeal outcomes for USAble HMO, Inc.

686

appeals filed

220

overturned (reported outcomes)

32.1%

of appeals with a reported outcome

The reported appeals on this profile come from Arkansas (686 filed, 220 overturned).

CMS reports an overturn outcome for 686 of these 686 filed appeals; missing outcomes are excluded from the percentage. These filing totals are not a prediction for an individual appeal. View the CMS source ↗

What the NAIC filing desk shows for USAble HMO, Inc.

USAble HMO, Inc.'s filing desk summarizes the NAIC complaint record and any CMS marketplace denial data on file.

See where USAble HMO, Inc. sits against every reporting carrier in the claim-denial rate ranking. Appeal notes for USAble HMO.

Nationwide insurers with similar scores or complaint volume

Two corpus-wide peer sets for USAble HMO, Inc.: nearest national-scale carriers by composite score and by NAIC complaint volume. These are cross-market neighborhoods, not the corporate-family list or same-grade chips above.

Similar composite score

Nearest carriers by composite score (75.7 here). Floored at 50+ complaints and 5+ states.

Nationwide Life 76.8 Erie Homeowners 77.6 Lincoln National Life 77.6 Chubb Property 73.2

Aggregates only, not advice. Full terms on the disclaimer.

Questions about USAble HMO, Inc.

What does USAble HMO, Inc.'s grade mean?

USAble HMO, Inc. received a grade of B, indicating a better-than-average record versus peers.

How many complaints does USAble HMO, Inc. have?

NAIC's public bulk data does not include a complaint-volume estimate for USAble HMO, Inc. - the carrier may be new, small, or file under a parent company. Absence of an estimate is missing data, not evidence of zero complaints.

How do I file a complaint against USAble HMO, Inc.?

File against USAble HMO, Inc. through your state's Department of Insurance or the NAIC consumer portal at naic.org.

Is USAble HMO, Inc. a good insurance company?

PlainInsurer's B grade for USAble HMO, Inc. reflects a better-than-average record versus peers relative to peers on published complaint and denial data.

What types of insurance does USAble HMO, Inc. offer?

Detailed line-of-business data isn't currently available for USAble HMO, Inc.. The carrier is licensed in 0 states.

Source: NAIC published complaint index + CMS Transparency in Coverage PY2026 Complaint index, reputation grade and per-state claim denial rates for USAble HMO, Inc. · 2024 Accessed 2026-03-29

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Download the data behind this page

The full PlainInsurer extract, covering every insurer including USAble HMO, Inc., is available as CSV and JSON. Underlying federal data is public domain; see our methodology for the compilation and grading method.

Complaint-index dataset Download CSV Download JSON Read the data documentation

Data: NAIC published complaint index (2024) · CMS Transparency in Coverage PUF PY2026. Not affiliated with NAIC or CMS.

Every figure on PlainInsurer comes directly from NAIC MCAS and CMS Transparency in Coverage data; no editor types in numbers. See our editorial standards or methodology, or report an error. Data current as of 2026-08-11. Grades measure only the published complaint/denial data; we don't recommend any insurer or policy.