Reputation grade
B
Peer-relative, A–F
Insurer profile · NAIC + CMS
USAble HMO, Inc.
USAble HMO, Inc.'s complaint record, claim-denial rate and reputation grade, drawn from published NAIC complaint data and CMS Transparency in Coverage.
- 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)
NAIC complaint index
N/A
1.0 = market average; lower is better
Claim denial rate
16.3%
CMS, 1 states
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 →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 data shows for USAble HMO, Inc.
USAble HMO, Inc. carries a B reputation grade in PlainInsurer's dataset, with a composite score of 75.7 (higher means more consumer friction relative to size). It does not yet carry enough NAIC complaint history for a normalized complaint index.
On the claims side, CMS Transparency-in-Coverage filings show USAble HMO, Inc. denied 16.3% of marketplace claims across 1 reporting state - a moderate rate that still varies by plan design and network.
See where USAble HMO, Inc. sits against every reporting carrier in the claim-denial rate ranking.
Source: NAIC Consumer Information Source complaint data (2024). Source: CMS Transparency in Coverage PUF (PY2026), cms.gov.
Aggregates only, not advice. Full terms on the disclaimer.
Other B-graded carriers in PlainInsurer's dataset include UnitedHealthcare and Travelers Insurance, and the closest overall composite score to USAble HMO, Inc.'s 75.7 belongs to Blue Cross Blue Shield of Wyoming (75.9), each rescaled across the measures that carrier reports.
Other B-graded insurers
Carriers with the same peer-relative reputation grade
| Insurer | Grade |
|---|---|
| UnitedHealthcare | B |
| Travelers Insurance | B |
| Humana Health | B |
| John Hancock Life | B |
| Openly Insurance | B |
Closest composite score to USAble HMO, Inc.
Carriers with the nearest overall composite score (75.7)
| Insurer | Composite score |
|---|---|
| Blue Cross Blue Shield of Wyoming | 75.9 |
| Ambetter of Magnolia Inc. | 75.1 |
| Nationwide Life | 76.8 |
| BridgeSpan Health Company | 76.8 |
| Compcare Health Serv Ins Co(Anthem BCBS) | 76.8 |
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
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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.
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.