Unitedhealth Group Competitive Fact Book

ua||ty hea|th p|ans & benehts
nea|th|er ||v|ng
I|nanc|a| we||-be|ng
Inte|||gent so|unons
unlLedPealLh Croup
Compeuuve lacL 8ook
M&C
!uly 10, 2013
AeLna lnc. AeLna MarkeL and CusLomer lnslghLs
1ab|e of Contents
Secnon V: roducts and Segments
Cvervlew
unlLedPealLhcare
Lmployer & lndlvldual
lnLernauonal
MlllLary & veLerans
CommunlLy & SLaLe
Medlcare & 8euremenL
CpLum
CpLumPealLh
CpLumlnslghL
CpLum8x
AccounLable Care Soluuons SLraLegy
Secnon VI: Membersh|p
Annual
CuarLerly
Secnon VII: I|nanc|a| erformance
Annual and CuarLerly
Secnon I: Company Cverv|ew
CorporaLe Cvervlew
CorporaLe SLraLegy
Lmpowerlng Consumers
lmprovlng CuallLy and Access
8ulldlng a 8euer PealLh SysLem
urlvlng Lecuveness and
AordablllLy
Markeung SLraLegy
Secnon II: kecent News
1rends and key uevelopmenLs
1lmellne
Secnon III: nea|th Care keform
lmpacL of PealLh Care 8eform
Secnon IV: SWC1
SLrengLhs, Weaknesses, MarkeL
CpporLunlues, MarkeL 1hreaLs
AeLna lnc. Condenual dlsclalmer or uLle of presenLauon here, edlL ln vlew/sllde masLer
01
Company Cvervlew
CorporaLe Cvervlew
CorporaLe SLraLegy
Markeung SLraLegy

AeLna lnc. AeLna MarkeL and CusLomer lnslghLs 4
Corporate Cverv|ew
8rand
unlLedPealLh Croup ls Lhe largesL slngle healLh carrler ln Lhe
unlLed SLaLes.
unlLed SLrlves Lo:
- lmprove quallLy and eecuveness of healLh care for all
Amerlcans
- Lnhance access Lo healLh beneLs
- CreaLe producLs and servlces LhaL make healLh care more
aordable
- use Lechnology Lo make Lhe healLh care sysLem easler Lo
navlgaLe
llve Core values:
- lnLegrlLy, Compasslon, 8elauonshlps, lnnovauon, erformance
Stephen
nems|ey
res|dent and CLC of
Un|tednea|th Group
Dav|d W|chmann
Lxecunve V and CIC of
Un|tednea|th Group and
res|dent of Un|tednea|th
Group operanons
Ga|| 8oudreaux
Lxecunve V of Un|tednea|th
Group and CLC of
Un|tednea|thcare
Larry kenfro
Lxecunve V and CLC of
Cptum
Lr|k kangen
Sen|or V and Ch|ef
Accounnng Cmcer of
Un|tednea|th Group
Mar|anne Short
Lxecunve V and Ch|ef Lega|
Cmcer of Un|tednea|th
Group
Leadersh|p:
Network
- unlLedPealLh Croup serves:
- 84 mllllon consumers worldwlde / 830,000 care provlders /
230,000 plan sponsors / 180 governmenL agencles
- nauonwlde neLwork lncludes dlrecL conLracLs wlLh:
- 780,000 physlclans and healLh care professlonals (27,000
cllnlcal professlonals)
- 80,000 denusLs
- 6,000 hosplLals and oLher care faclllues
- 18,000 Lechnology professlonals
- neLwork sLraLegles lnclude a value-based conLracung sLraLegy LhaL
wlll lncrease quallLy, reduce medlcal cosLs, lmprove pauenL
ouLcomes and share rlsk and responslblllLy for conLrolllng medlcal
cosL Lrend.
Corporate Strategy
3
Innovanon
Un|tednea|th Group strateg|zes strong|y through the|r comm|tment to |nnovanon work|ng to |ead the |ndustry |nto the
future. Un|ted nea|th Group's foundanon beh|nd |nnovanon |nc|udes these strateg|es:
- Conunually Lesung new LargeLed ways Lo ralse Lhe bar ln healLh care
- 1hrough collecuve resources lncludlng Lechnology and lnformauon sysLems, LhoughL leadershlp and dedlcaLed
employees
- Commlued Lo Lhe long-Lerm
- unlLed has spenL decades lnvesung ln Lhe Lechnology and lnformauon capablllues LhaL allow new ldeas Lo be
broughL Lo Lhe markeL fasLer
- ueveloped soluuons LhaL are boLh pracucal Loday and scalable for Lomorrow
- CreaLed collaborauve Leams dedlcaLed Lo lnnovauon across each of Lhelr buslnesses
- uevelopmenL ls always gulded wlLh pracucal ends ln mlnd
As these strateg|es are the foundanon for |nnovanon, these strateg|es are executed through four tacncs. 1hese tacncs
dr|ve a|| |nnovanon and deve|opment at Un|tednea|th Group and |everage the company's core capab|||nes |n order to
advance the hea|th care system.
- Lmpowerlng consumers
- lmprovlng quallLy and access,
- 8ulldlng a beuer healLh sysLem,
- urlvlng eecuveness and aordablllLy
hup://uhglnnovauon.com/CurSLory/CurSLory.aspx / hup://uhglnnovauon.com/lnnovauons/lnnovauons.aspx
Corporate Strategy
6
Lmpower|ng Consumers
Un|ted |s empower|ng consumers through the exp|oranon, tesnng and deve|op|ng of persona||zed too|s that make |t easy for
consumers to stay hea|thy, |nformed, and access|b|e to resources. Un|ted empowers consumers to manage hea|th w|th versan|e
too|s and persona|, transparent |nformanon.
- lnnovauve Lools LhaL empower consumers lnclude apps such as:
- nea|th4Me - glves employer plan paruclpanLs 24/7 access Lo a reglsLered nurse, enables Lhem Lo locaLe a nearby ln-neLwork
physlclan, hosplLal or oLher medlcal faclllLy, and glves Lhem access Lo Lhelr personal healLh beneLs lnformauon.
- Cpnm|zeMe - helps people connecL wlLh Lhelr frlends uslng soclal medla ln a fun, lnLeracuve way Lo make posluve llfesLyle
changes, whaLever Lhelr goals may be
- Start! Wa|k|ng App - allows you Lo nd, creaLe and Lrack walklng paLhs (parLnered wlLh Lhe Amerlcan PearL Assoclauon's
SLarL! Walklng aLhs program)
- lncludes servlces such as:
- D|abetes nea|th |an - supporLs and rewards Lhose wlLh dlabeLes and pre-dlabeLes for complylng wlLh prevenuve care
guldellnes
- nea|th Care Lane - an lnLeracuve, hlghly engaglng onllne communlLy LhaL helps educaLe consumers on healLh beneLs
- nea|th nab|ts for L|fe - provldes Lools and resources Lo help parenLs galn a greaLer undersLandlng of Lhe relauonshlp
beLween healLhy hablLs and chlldren's healLhy
- Many Strong - a free, one-sLop slLe wlLh all of Lhe essenual Lools and feaLures people need Lo rally supporL ln umes of
Lrouble
- Cptumkx Mob||e S|te - makes managlng prescrlpuons, and rememberlng Lo Lake Lhem, easler Lhan ever by glvlng
consumers Lhe ablllLy Lo access Lhelr accounL anyume, anywhere on Lhelr smarLphone, lad or oLher handheld devlce
- Un|tednea|th ersona| kewards - encourages paruclpanLs Lo make beuer healLh declslons by provldlng Lhem wlLh a
personallzed seL of healLh goals, plus nanclal lncenuves Lo accompllsh Lhem
Source: hup://uhglnnovauon.com/lnnovauons/lnnovauons.aspx
Corporate Strategy
7
Improv|ng ua||ty and Access
Un|ted |s enab||ng access to qua||ty care through |everag|ng techno|ogy and |nformanon to connect panents and c||n|c|ans |n
un|que ways. Un|ted |s work|ng to connect consumers to the resources they need.
- 1hls lncludes programs such as:
- 8aby 8|ocks - a free, onllne, lnLeracuve lncenuve program deslgned Lo help pregnanL women and new moLhers wlLh
prenaLal and well-baby care. unlLedPealLhcare 8aby 8locks rewards women durlng Lhelr pregnancy and durlng Lhelr
baby's rsL 13 monLhs of llfe by slmply golng Lo docLor's vlslLs and reporung Lhe vlslLs ln 8aby 8locks.
- Drug Interacnon A|ert rogram (DIA) - creaLed speclcally Lo x a crlucal and cosLly aw ln Lhe healLh care sysLem.
1he CpLum8x
ulA ls unlque ln Lracklng all of lLs members' prescrlpuon clalms, from any pharmacy, ln real ume-uslng
Lhe daLa Lo alerL prescrlbers LhaL acuon musL be Laken.
- 1e|emed|c|ne - Nava[o Nanon - a new Lelemedlclne program Lhrough unlLedPealLhcare CommunlLy & SLaLe
connecung more Lhan 300 nava[o chlldren wlLh complex medlcal lssues llvlng ln Arlzona wlLh wlLh hoenlx-based
physlclans Lhrough a sophlsucaLed Lelemedlclne sysLem. 1hls program marks Lhe rsL ume Lelemedlclne has been used
Lo LreaL complex pedlaLrlc problems for pauenLs ln Lhe nauve Amerlcan communlLy.
- 1e|emed|c|ne - Now C||n|c - an onllne care sysLem LhaL faclllLaLes access Lo secure, real-ume lnLeracuons Lo a neLwork
of physlclans vla Lhe lnLerneL. lndlvlduals can connecL wlLh a physlclan on Lhelr compuLers uslng secure llve chaL - and
even converse face-Lo-face uslng webcams.
Corporate Strategy
8
8u||d|ng a 8euer nea|th System
Un|ted |s he|p|ng the system work beuer by work|ng w|th ta|ented, v|s|onary partners |n order he|p bu||d a more connected hea|th
system. 1hey are us|ng mode|s to c|ose gaps |n care at the consumer |eve| and |ntegrate c||n|ca| data ||nk|ng dec|s|ons, costs and
outcomes.
- 1hls ls done by encouraglng lnformed declslons aL Lhe polnL of care, reduclng wasLe, and beuer coordlnaung resources. rograms
creaLed Lo achleve Lhls lnclude:
- Commun|ty Serv|ces Connect - a proprleLary daLabase of communlLy servlces and resources shared dlrecLly wlLh people aL
locauons LhaL are convenlenL Lo Lhem. 8esources lnclude aordable houslng, cloLhlng, LransporLauon, food and youLh acuvlues.
- D|abetes revennon and Contro| A|||ance - has Lwo core programs, Lhe ulabeLes revenuon rogram and Lhe ulabeLes ConLrol
rogram, LhaL are avallable aL no ouL-of-pockeL cosL Lo paruclpanLs enrolled ln employer-provlded healLh lnsurance plans ln selecL
markeLs Lhrough unlLedPealLhcare and Medlca. lL addresses Lhe llnk beLween dlabeLes and obeslLy.
- eSync - proacuvely ldenues slLuauons llkely Lo resulL ln poor healLh ouLcomes and hlgher cosLs of care and provldes speclc
recommendauons Lo help people geL back on Lrack Lo beuer healLh. lL allows for enhanced vlslblllLy lnLo a pauenL's medlcal
hlsLory and real-ume medlcal prole.
- ICIN for ML - a rsL-of-lLs-klnd, whole-famlly program Lo ghL chlldhood obeslLy, engaglng klds and Lhelr parenLs, Lo achleve
healLhler welghLs Lhrough healLhler famlly food cholces, lncreased acuvlLy, and llfesLyle lmprovemenL Lracklng.
- Cptum CareSu|te - a seL of appllcauons LhaL wlll help physlclans and oLher healLh professlonals access deLalled healLh lnLelllgence
on pauenL, sysLem and populauon healLh, and collaboraLe Lo make medlcal care declslons and lmprove healLh ouLcomes.
- Cnco|ogy Care Ana|ys|s - a pauenL-focused, lnLegraLed program LhaL compares oncology care pauerns Lo evldence-based cancer
guldellnes for Lhe Lhree mosL common Lypes of adulL cancer.
- anent-Centered Med|ca| nome - CollaboraLes wlLh nauonal prlmary care speclalues Lo glve pauenLs coordlnaLed care from Lhelr
prlmary care physlclan, or medlcal home," raLher Lhan fragmenLed and eplsodlc care from varlous healLh care provlders or
faclllues.
- 1ucson Med|ca| ASC - nauon's rsL SusLalnable PealLh CommunlLy," based on an AccounLable Care Crganlzauon (ACC) model ln
whlch hosplLals, physlclans, resldenLs, employers and oLhers share ln Lhe rlsk and rewards of maklng Lhe healLh sysLem work
beuer for everyone.
- 1he Mayo C||n|c - research cllnlc ln Massachuseus used Lo analyze how Lo geL more value from healLh care spendlng.
Corporate Strategy
9
Dr|v|ng Lecnveness and Aordab|||ty
Un|ted |s work|ng to |mprove aordab|||ty by pursu|ng opportun|nes to change hea|th care cost trends, |nc|ud|ng |nnovanons
that connect peop|e to resources and c||n|c|ans to beuer |nformanon at the po|nt of care.
- 1hls lncludes Lools and servlces such as:
- mynea|thcare Cost Lsnmator - an lnLegraLed onllne servlce LhaL brlngs a reLall shopplng experlence Lo healLh care and
helps consumers nd quallLy care whlle belng able esumaLe Lhe cosL of more Lhan 130 common LreaLmenLs and
procedures wlLh maxlmum accuracy. LsumaLes are personallzed Lo reecL an lndlvldual's own healLh plan beneLs.
- nea|th Sav|ngs Checkup - enables consumers Lo esumaLe healLh care cosLs durlng reuremenL uslng our proprleLary
daLabase of clalms lnformauon.
- Cptum Insntute for Susta|nab|e nea|th - works closely wlLh hosplLals, cllnlclans, employers, governmenL, and communlLy
leaders Lo provlde analysls and lnslghL on Lhe rapldly changlng healLh care landscape and Lhereby furLher drlve Lhe
Lransformauon of healLh care dellvery ln Lhe unlLed SLaLes.
- Cptum hys|c|an LMk - web-based, auLomaLed, fully lnLegraLed LlecLronlc PealLh 8ecord (LP8) soluuon helplng physlclans
enLer and access pauenL records and lab resulLs, dellverlng useful lnformauon rlghL aL Lhe polnL of care.
- ara||ax Data Warehouse - a solld daLa warehouse LhaL holds rellable, lnLegraLed lnformauon from all Lhelr healLh and
beneL vendors Lo seL and measure Lhelr organlzauon's healLh beneL and populauon healLh goals.
- 1e|epsych|atry |n M|ss|ss|pp| - ln a rural school ln Mlsslsslppl, Lhere ls use of Lelemedlclne Lo dellver behavloral healLh
servlces aL a dlsLance ln real ume. 1hrough LelepsychlaLry, docLors can observe a pauenL's lmmedlaLe reacuons-such as
faclal expresslons, body language and oLher non-verbal cues-LhaL can reveal lssues before Lhey escalaLe.
- unlLed also ls allgnlng lncenuves Lo lmprove quallLy, lower cosLs and Lhe dellvery sysLem experlence by pursulng:
- CusLomlzed accounLable care sLraLegles LhaL promoLe quallLy and supporL care provlders' readlness Lo assume nanclal
rlsk, 1he modular seLs of paymenL models allgn wlLh a care provlders' rlsk-readlness, lncenuves, Lools and lnformauon LhaL
enable care provlders Lo manage populauon healLh, Cllnlcal collaborauon wlLh unlLedPealLhcare and CpLum Lo lmprove
cosL, quallLy, and ouLcomes, AllgnmenL of beneL deslgn, consumer lncenuves and care provlder relmbursemenL.
- Coal Lo geL $30 bllllon of healLh beneLs expenses pald ouL Lhrough pay-for-performance provlder paymenL arrangemenLs
by 2017.
Markenng Strategy
Un|tednea|th Group a|so has a strong markenng and adverns|ng strategy to support the|r corporate strategy.
- 1hls sLraLegy lncludes nauonal adveruslng for boLh 8uslness Lo 8uslness and 8uslness Lo Consumer.
Un|ted has been us|ng the|r nanona| ad campa|gn, "It's 1|me Ior."
- 828, lL's 1lme lor:
- PealLh cholces" / Creauve Lhlnklng" / PealLhler ouLlooks" / A healLhy balance" / A healLh plan LhaL makes my [ob easler"
- 82C lL's 1lme lor:
- WhaL mauers mosL" / 1o power up" / A healLh plan wlLh fresh ldeas" / lor brlghL beglnnlngs"
Un|ted a|so uses open door conversanons for the|r adverns|ng.
- Candld dlscusslons wlLh beneL managers abouL healLh lnsurance and why employee beneLs are lmporLanL ln a small buslness.
In order to |mp|ement these markenng strateg|es, Un|ted has created |nnovanve markenng too|s.
- CptumAI
- A secure moblle lad app and Web porLal for prlmary care physlclans, launched ln March 2013. 1he app helps empower
provlders Lo lmprove pauenL care, provlde accuraLe rlsk ad[usLmenL daLa and drlve responslve cllnlcal acuon on PealLhcare
Lecuveness uaLa and lnformauon SeL (PLulS)/SLars measures. 1hls app can be used Lo enroll provlders ln real ume.
- nea|thy nome ro[ect
- unlLedPealLhcare CommunlLy lan of nebraska collaboraLed wlLh Lhe Salvauon Army 8ay and !oan kroc CommunlLy CenLer Lo
creaLe Lhe PealLhy Pome ro[ecL and ghL chlldhood obeslLy. 1hls program oers fun, famlly approach Lo behavlor
modlcauon, nuLrluonal educauon, and cooklng and exerclse classes.
- rov|sor
- lree lnLeracuve lhone and lad app for physlclans and oLher healLh care provlders maklng carlng for unlLedPealLhcare's
members easler and more eecuve. ln Lhe lnlual release, prescrlpuon drug llsLs, drug reference lnformauon and members'
personal healLh records are lmmedlaLely avallable wlLh real-ume lnformauon and declslons.
- We||V|ew
- Lasy, free, onllne Lool Lo help manage cusLomers healLh and healLh-relaLed expenses. lL auLomaucally comblnes a member's
healLh lnformauon from several sources lnLo one place. 1hls Lool can be used Lo make appolnLmenLs, see lf a deducuble has
been meL or access lab resulLs.
02
8ecenL news
1rends
key uevelopmenLs
1lmellne

kecent Iocus
1rends
Un|ted |s focus|ng on three ma|n trends or areas for 2013: repar|ng for new 1kICAkL contract, assess|ng the |mpact on the 2014
Med|care Advantage rare cuts, and expand|ng |nternanona| bus|ness.
- lor 1kICAkL, unlLed ls preparlng for up Lo 3 mllllon enrollees.
- unlLed ls concerned wlLh proposed 2014 Med|care AdvanLage raLes and Lhe negauve aecLs lL could have for senlors and ls
worklng Lo avold Lhe posslble ouLcome.
- As for Lhe Internanona| markeL, unlLed has made several sLraLeglc sLeps Lo expand Lhelr lnLernauonal presence.
- Announced alllance wlLh MAxlMA lnsurance lnc. Lo provlde Clobal Soluuons plan members Lravellng or worklng ln Lhe Czech
8epubllc wlLh Czech lnsurance coverage and servlces, whlch ls requlred under Czech lmmlgrauon law.
- Slgned an agreemenL wlLh Medlcal Servlces Crganlzauon ln SouLh Afrlca whlch provldes Clobal Soluuons members access Lo
care aL medlcal provlders on a cashless basls and varlous clalm and asslsLance serves ln over 30 counLrles ln Afrlca.
- now provldlng healLh care coverage Lo consumers ln 123 counLrles worldwlde.
- unlLedPealLh refocused on lnLernauonal dlverslcauon, mosL recenLly on Laun Amerlca and speclcally 8razll.
- Long Lerm goals lnclude expandlng lnsurance coverage Lo oLher areas such as Argenuna, Chlle, Columbla and eru.
key Deve|opments
Cptum partnersh|p w|th nea|thLdge - launched a new poruollo of Lechnology-enabled buslness process ouLsourclng servlces.
Internanona| segment new coverage opnons - coverage for people Lravellng or llvlng ln Czech 8epubllc as well and access Lo
new 'cashless' medlcal provlder neLwork for people Lravellng ln Afrlca.
Many |arge grants g|ven out recent|y - unlLedPealLhcare has been generously donaung Lo nonproLs and sponsorlng healLh
relaLed evenLs and programs.
Mynea|thcare Cost Lsnmator ava||ab|e nanonw|de - a cosL esumaLor ls avallable boLh onllne and moblle, brlnglng a reLall
shopplng experlence Lo healLh care.
kecent Iocus
1|me||ne
- Iune 2013
- Un|tednea|thcare opened a new hea|th benehts store |n LA's koreatown.
- 1hls ls unlLedPealLhcare's 23
rd
sLore ln Lhe unlLed SLaLes and Lhe 3
Lh
ln Callfornla. 1he sLore focuses on servlng Lhe korean-Amerlcan
communlLy, provldlng Medlcare beneclarles wlLh cusLomer servlce supporL and lnformauon abouL Lhelr Medlcare coverage opuons.
1he servlce professlonals speak boLh Lngllsh or korean.
- Un|tednea|thcare partners w|th IkCNkIDS to host youth races |n New ork.
- unlLedPealLhcare parLnered wlLh local nonproLs Lo sponsor and cover enLry fees and cosLs of Lhese evenLs, lncludlng a race held on
!une 22
nd
and !uly 26
Lh
ln new ?ork. 1hls evenL ls worklng Lo lnsplre young people Lo lead healLhy, acuve, and posluve llfesLyles.
- I|rst-of-|ts-k|nd suppornve-hous|ng deve|opment |s |ntroduced.
- unlLedPealLhcare of llllnols provlded $8.1 mllllon ln Low lncome Pouslng 1ax CredlL equlLy Lo help bulld Myers lace. Myers lace ls
mlxed-use supporuve houslng developmenL locaLed ln norLhwesL Chlcago. lL provldes aordable houslng for people who are
dlsabled, menLally lll or formerly homeless and who have Lhe ablllLy Lo llve lndependenLly. unlLedPealLhcare worked wlLh
communlLy leaders, pro[ecL parLners and local resldenLs Lo help Lhe over 300 appllcanLs for vacanL unlLs.
- May 2013
- Un|tednea|thcare educates careg|vers on free on||ne resources for Med|care.
- unlLedPealLhcare leverages Lhe growlng Medlcare segmenL by parLnerlng wlLh 1he Careglver Acuon neLwork Lo lnform Lhe over 30
mllllon Amerlcans LhaL care for Lhelr aglng parenLs on free onllne resources Lhey can use Lo help navlgaLe Lhelr way Lhrough
Medlcare.
- Cptum and nea|thLdge |ntroduced a new bus|ness process outsourc|ng serv|ces for payers.
- CpLum parLnered wlLh PealLhLdge Lo launch a new poruollo of Lechnology-enabled buslness process ouLsourclng servlces Lo help
healLh care payers Lransform Lhelr core admlnlsLrauve operauons, reduce cosLs and adapL Lo markeL changes. CpLum comblned lLs
own buslness process ouLsourclng and paymenL lnLegrlLy capablllues, along wlLh Lhe PealLh8ules lnLegraLed nanclal, admlnlsLrauve
and cllnlcal Lechnology from PealLhLdge.
- Un|tednea|thcare has made Mynea|thcare Cost Lsnmator ava||ab|e nanonw|de.
- 1hls Lool ls an lnLegraLed onllne and moblle servlce LhaL brlngs a reLall shopplng experlence Lo healLh care. Avallable Lo nearly all of
unlLed's employer-sponsored plan paruclpanLs, Lhe Lool allows people Lo compare Lhe healLh care servlces based on quallLy and cosL.
lL ls avallable on Lhelr webslLe as well as Lhe PealLh4Me app.
kecent Iocus
- Un|ted nea|th Ioundanon support s|x states to |mprove hea|th outcomes.
- ln parLnershlp wlLh 1he Assoclauon of SLaLe and 1errlLorlal PealLh Cmclals, (AS1PC) slx sLaLes wlll recelve aL leasL $23,000 from
Lhe foundauon and Lralnlng and supporL from AS1PC Lo develop an lnnovauve collaborauve care model LhaL wlll provlde
physlclan Lralnlng. SLaLes lnclude: Alaska, Arkansas, Ceorgla, kansas, Cklahoma, and 8hode lsland.
- Apr|| 2013
- Un|tednea|thcare awarded 5S.2 m||||on |n grants to Ca||forn|a Nonprohts.
- rovlded for nlne healLh care organlzauons Lo supporL nonproL cllnlcs, hosplLals and organlzauons LhaL lmprove healLh care
servlces for undeserved communlues ln Callfornla.
- Un|tednea|thcare grants money to beg|n construcnon of suppornve hous|ng deve|opment |n Norwa|k, C1.
- unlLedPealLhcare granLed $7.2 mllllon Lo work wlLh communlLy leaders and pro[ecL parLners Lo provlde aordable supporuve
houslng for Lhe norwalk communlLy. 1hls demonsLraLes unlLed's reglonal and communlLy dedlcauon.
- March 2013
- Un|tednea|thcare named No. 1 among |ndustry peers for th|rd stra|ght year.
- named Lop ranklng company ln Lhe lnsurance and managed care secLor for lC81unL's 2013 World's MosL Admlred
Companles." 1hls ls Lhlrd sLralghL year honored as no. 1 overall ln lLs secLor and Lhe fourLh sLralghL year raLed no.1 ln
lnnovauon.
- Iebruary 2013
- Created an exc|us|ve hea|th system |n I|or|da.
- lorged unusual parLnershlp wlLh 1he vlllages, a cenLral llorlda reuremenL communlLy wlLh nearly 100,000 resldenLs Lo creaLe an
excluslve healLh sysLem.
- Cpened a new hea|th benehts store |n NC's Ch|natown.
- 1he sLore replaces Lhe company's rsL reLall-llke cusLomer supporL cenLer LhaL had opened ln 1994.
- Internanona| segment |s oer|ng new coverage opnons for G|oba| So|unons p|an members.
- 1hrough Lwo alllances Lhe, coverage ls oered Lo Lhose Lravellng or resldlng ln Lhe Czech 8epubllc as well as access Lo a new
'cashless' medlcal provlder neLwork for people Lravellng ln Afrlca.
06
PealLh Care 8eform
lmpacL of PealLh Care 8eform

Impact of nea|th Care keform
nea|th keform has created opportun|nes for growth.
- PealLh reform has allowed for new growLh ln Modern Medlcare deslgn, populauon healLh managemenL, sLaLe care for economlcally
dlsadvanLaged, healLh care lnformauon Lechnology, consumer-orlenLed healLh beneLs, pharmacy and medlcal care lnLegrauon
- 1he mlnlmum medlcal loss rauons lncrease prlce predlcLablllLy for cusLomers, lower volaullLy, and ls manageable ln commerclal
markeL.
Cn the other hand, hea|th care reform creates some setbacks for Un|tednea|th Group.
- 1he Medlcare AdvanLage 8elmbursemenL CuLs are a dlsrupuon for senlors causlng less beneLs, lncreased cosLs, fewer opuons, and a
negauve lmpacL Lo membershlp growLh and marglns for Medlcare AdvanLage plans
- lnsurance Lax wlll cause lncreased prlces, reduced value, and even comblnauons of boLh for consumers.
Cne of the greatest setbacks w||| be the new regu|anons dr|v|ng |ntense pressure to reduce costs.
- WlLh Medlcald expanslon, Lhere are 13 mllllon new Lo Medlcald per C8C esumaLe and unlLedPealLhcare ls well posluoned for growLh
across 24 currenL sLaLes and beyond.
- WlLh publlc exchanges, unlLed ls expecung uncerLalnues near-Lerm, sLable markeLs long-Lerm, and Lherefore are Laklng a cauuous
approach Lo begln.
- WlLh Lhe mlnlmum medlcal loss rauos, lL wlll lncrease prlce predlcLablllLy for cusLomers, lower volaullLy, and ls manageable ln Lhe
commerclal markeL, whlch ls expecLed Lo be Lhe same for Medlcare.
- WlLh Lhe Medlcare AdvanLage relmbursemenL cuLs, Lhere wlll be dlsrupuons for senlors creaung less beneLs, lncreased cosLs, fewer
opuons and creaung a negauve lmpacL Lo membershlp growLh and marglns for Medlcare AdvanLage plans.
- WlLh lnsurance Lax lL wlll lncrease prlces, reduce value, or some comblnauon of boLh.
As a response to these new regu|anons, Un|ted has created a Un|tednea|th Center for nea|th keform & Modern|zanon.
- CreaLed ln order Lo guaranLee quallLy, aordable and porLable coverage for all Amerlcans, regardless of gender, healLh sLaLus or pre-
exlsung condluons.
- 1he cenLer has a Leam of healLh care experLs wlLh cllnlcal, managerlal, pollcy, governmenLal and academlc backgrounds drawn from Lhe
more Lhan 133,000 people of unlLedPealLh Croup, and also parLner wlLh exLernal research groups and academlc Leams.
- 1he cenLer ls Laklng lnnovauve approaches Lo unlversal coverage and healLh beneLs, grounded ln evldence-based care and consumer
engagemenL.
Impact of nea|th Care keform
1he Un|tednea|th Center for nea|th keform and Modern|zanon concentrates on s|x pr|mary areas.
- lmprovlng dellvery, Modernlzlng Lhe care dellvery sysLem, lncludlng sLrengLhenlng prlmary care, 8educlng dlsparlues, parucularly
ln underserved communlues, ConLalnlng cosL uslng pracucal sLraLegles Lo slow Lhe growLh of nauonal healLh care cosLs,
8eformlng paymenL sLrucLures uslng sLraLegles LhaL beuer supporL physlclans, hosplLals and oLher provlders who dellver hlgh-
quallLy, pauenL-cenLered care, and Modernlzlng Medlcare by lmprovlng chronlc dlsease managemenL and end-of-llfe care.
1he exchange market w||| p|ay a key ro|e |n hea|th care reform, therefore Un|ted has deve|oped a spec|hc strategy.
- reparlng for an exchange caLegory of coverage Lo become esLabllshed as a new beneL class beLween Medlcald and Lhe
Lradluonal commerclal beneLs markeL.
- 8elng selecuve when chooslng exchanges Lo paruclpaLe ln buL wlll paruclpaLe lf Lhey deem falr, commerclally susLalnable and
provlde reasonable reLurn on Lhe caplLal Lhey wlll requlre.
- Leveraglng governmenL program experuse wlLh publlc exchanges and prlvaLe exchanges wlLh acLuarlal knowledge and local
markeL lnslghLs and applylng consumer analyucs Lo opumlze markeL peneLrauon ln Lhe exchange buslness.
- 8epurposlng lLs cusLomer supporL cenLers as healLh beneL reLall slLes.
1here are opportun|nes shown |n the exchange market.
- LxpecLs Lo paruclpaLe ln 10 Lo 23 exchange markeLs ln 2014
- Small group exchanges could oer shorL Lerm sLablllLy whlle publlc exchanges wlll creaLe long-Lerm opporLunlLy for:
- new markeL posluoned beLween Commerclal and Medlcald (Commerclal wlLh a Subsldy, Medlcald wlLh a premlum), Cradual
markeL changes/volume lncreases, ulumaLely a new beneL markeL coverlng 12 mllllon new lndlvlduals, Lvolve Lo sLable
markeLs long-Lerm, 8roader paruclpauon from unlLedPealLhcare looklng ouL several years.
nowever there are a|so cha||enges w|th|n the exchange market.
- ubllc exchanges cause near-Lerm uncerLalnues and musL cause unlLedPealLh Croup Lo Lake a cauuous approach. 1hls lncludes
shorL-Lerm challenges wlLh:
- 8eadlness varles wldely sLaLe-by-sLaLe, ulmculL predlcung healLh and behavlor of lnlual enrollmenL, AblllLy Lo prlce for
underlylng cosLs glven sLaLe-by-sLaLe regulaLory approval envlronmenL, ueslgnlng new producLs, developlng responslve
neLworks and lnLerfaclng wlLh exchange operauons, Walung on some deLalls relaLed Lo operaung guldellnes and lnLegrauon
requlremenLs
07
SWC1
SLrengLhs
Weaknesses
CpporLunlues
1hreaLs
SWC1
19
Strengths
- Core compeLencles ln healLhcare daLa and enabllng Lechnology
- nauonal scale, leadlng markeL share and markeL dlverslLy
- ulversled buslness operauons
- Lxperuse ln dlsuncL and muluple markeL segmenLs
- SLrong medlcal and operaung cosL posluon
- SLrong nanclal posluon Lo caplLallze on fuLure acqulsluon LargeLs
- 8readLh of producL oerlngs
- Well posluoned ln Lhe fasL growlng governmenL sponsored
managed care secLor
- Amll acqulsluon dlversles company lnLo auracuve markeL
lnLernauonally
Weaknesses
- Acqulsluons cosLs
- Plghly vlslble LargeL for llugauon and pollucal agendas
- Plgh debL leverage
- ComplexlLy of buslness model
- uecllnlng rlsk-based commerclal buslness
- lncreaslng exposure Lo governmenL buslness
- lncrease lnLernauonal rlsk exposure
Market Cpportun|nes
- LlmlLed neLworks
- lndlvldual consumers
- Medlcare
- Medlcald
- uual ellglbles
- lnLernauonal markeLs
- CosL of borrowlng low
- ubllc and prlvaLe lnsurance exchanges
- 8road and dlversled servlce oerlng allowlng long Lerm
growLh opporLunlues
- CpLum provldes growLh vehlcle LhaL dlerenuaLes lLself
from compeuLors
Market 1hreats
- lncrease llugauon over conLracL awards
- PelghLened revlew by regulaLory auLhorlues
- erslsLenL weak employmenL and low new buslness formauon
- llnanclal pressure on provlders and plan sponsors
- lmpacL Lo Medlcald programs due Lo sLaLe budgeL lssues
- lmpacL of federal regulauons on ASC and expaLrlaLe buslness
- Lxposure Lo weak lnLernauonal economlc envlronmenLs
- uullzauon and cosL Lrend escalauon
- lmpacL of 2014 Medlcare AdvanLage raLe cuLs
01
roducLs/SegmenLs
unlLedPealLhcare
CpLum

SegmenL SLraLegy
CorporaLe SLraLegy
roducts]Segments
21
Cperauonal
Servlces
& SupporL
- unlLedPealLh Croup has servlces and operauons ln all 30 sLaLes ln Lhe unlLed SLaLes and 20 oLher counLrles worldwlde
- unlLedPealLh Croup separaLes Lwo dlsuncL buslness plauorms: Un|tednea|thcare and Cptum.
- unlLedPealLhcare ls Lhe PealLh 8eneLs plauorm provldlng coverage and beneLs servlces. unlLedPealLhcare serves key markeLs
and geographlc reglons wlLh a broad range of healLh beneL producLs and servlces for boLh consumers and beneL sponsors.
- CpLum ls Lhe PealLh Servlces plauorm provldlng lnformauon and Lechnology-enabled healLh servlces. CpLum focuses on helplng
lmprove Lhe healLh care sysLem lLself, lncludlng populauon healLh managemenL, care dellvery and lmprovlng Lhe cllnlcal and
operaung elemenLs of Lhe sysLem.
Un|ted nea|thcare Group has two bus|ness p|auorms:
Un|ted
nea|thcare
Cptum
8us|ness Segments
CpLumPealLh
CpLum8x
CpLumlnslghL
8us|ness Segments
Lmployer &
lndlvldual
Medlcare &
8euremenL
(30+)
CommunlLy &
SLaLe
MlllLary &
veLerans
lnLernauonal
Un|tednea|thcare
Un|tednea|thcare |s Un|tednea|th Group's nea|th 8enehts p|auorm.
- unlLedPealLhcare ls Pelplng eople Llve PealLhler Llves." 1hls done by servlng:
- key markeLs and geographlc reglons
- eople ln employer-sponsored healLh plans, wlLh Medlcare and Medlcald, and who purchase Lhelr own healLh plans
- nearly 44 mllllon Amerlcans aL every sLage of llfe
Un|tednea|thcare focuses on |nnovanon-dr|ven growth and |s we|| pos|noned to evo|ve and grow through hea|th care reform.
- unlLedPealLhcare uses advanclng sLraLegles Lo lmprove Lhe way healLh care ls dellvered and nanced, oerlng consumers a
'slmple, more aordable healLh care experlence.'
- 1helr markeL posluon ls bullL on:
- A nauonal scale
- 1he breadLh of our producL oerlngs, whlch are responslve Lo many dlsuncL markeL segmenLs ln healLh care
- SLrong local markeL relauonshlps
- servlce and advanced Lechnology
- Compeuuve medlcal and operaung cosL posluons
- Lecuve cllnlcal engagemenL
- LxLenslve experuse ln dlsuncL markeL segmenLs
- A commlLmenL Lo lnnovauon
Un|tednea|thcare |s a|so focused on |everag|ng |ts d|vers|hed bus|ness. 1h|s |nc|udes:
- Creaung lnnovauve producLs and a modern healLhcare sysLem
- Crowlng CpLum PealLh Servlces dlvlslon
- locuslng on healLh servlces, Lechnology, and daLa analyucs
- Crowlng CovernmenL programs
- 1wo Medlcare AdvanLage acqulsluons ln llorlda
- Pavlng a Lake whaL Lhey wanL" menLallLy
- Aggresslve and predaLory prlclng for key accounLs Lhey sLrongly deslre
Un|tednea|thcare - Segment Strategy
Un|tednea|thcare Lmp|oyer & Ind|v|dua|
- Un|tednea|thcare works c|ose|y w|th emp|oyers and |nd|v|dua|s to prov|de consumer-or|ented p|ans and serv|ces for a
w|de range of markets.
- 1hls lncludes large nauonal employers, publlc secLor employers, mld-slzed employers, small buslnesses and lndlvlduals
nauonwlde
- rovldes for nearly 27 mllllon consumers Lhrough fully lnsured and self-funded medlcal plans
- lncludes nearly 21 mllllon people wlLh denLal, vlslon and oLher speclalLy beneLs and volunLary producLs
- Serves more Lhan 230,000 employers
- lncludes companles represenung some of Amerlca's mosL recognlzed brands
Un|tednea|thcare markets to th|s segment through custom|zed serv|ces |nc|ud|ng:
- Coordlnauon and faclllLauon of medlcal servlces Lo cusLomers, consumers and healLh care professlonals
- 1ransacuon processlng and access Lo a conLracLed neLwork of physlclans, hosplLals and oLher healLh care professlonals,
lncludlng denLal and vlslon
Un|tednea|thcare a|so p|aces a heavy emphas|s on engagement when markenng towards the Lmp|oyer & Ind|v|dua| segment.
- Lngages physlclans and consumers and uses lnformauon Lo promoLe well-lnformed healLh declslons, lmproved medlcal
ouLcomes and greaLer emclency
- ln order Lo engage and lnform Lhe consumers, unlLedPealLhcare oers Lools and resources LhaL provlde greaLer Lransparency
around quallLy and cosL. 1hese Lools are user-frlendly and work Lo supporL beuer consumer declslons, glvlng consumers more
conLrol over Lhelr healLh care.
- lncludes Lhe remlum ueslgnauon program and PealLh4Me for Apple and Androld phones, myPealLhcareCosL
LsumaLor, PealLh Care Lane and myuhc.com.
23
Segment Strategy
24
Un|tednea|thcare Internanona|
- Un|tednea|thcare Internanona| prov|des so|unons for consumers of domesnc or cross-border hea|th care management,
|nsurance, and adm|n|stranon serv|ces, regard|ess of the|r geograph|c |ocanon, |anguage or cu|tura| or|g|ns.
- Servlng more Lhan 4.6 mllllon people wlLh medlcal beneLs Lhrough Amll, Lhe largesL healLh care company ln 8razll
- Cerlng a broad range of Lools and Lechnlques Lhrough Amll Lo lmprove Lhe emclency and quallLy of healLh care dellvery sysLems
worldwlde
- Un|tednea|thcare strateg|zes to create bus|ness so|unons that are based on |oca| |nfrastructure, cu|ture and needs, and that
b|end |oca| expernse w|th exper|ences from the U.S. hea|th care |ndustry.
- ln order Lo puL Lhls sLraLegy lnLo acuon, unlLedPealLhcare lnLernauonal acqulred Amll ln 2012
- Amll provldes healLh and denLal beneLs Lo over ve mllllon people and also operaLes 22 acuLe hosplLals, as well as speclalLy
cllnlcs, prlmary care, and emergency servlces across 8razll, prlnclpally for Lhe beneL of lLs members.
- Pas a neLwork of 43,000 physlclans and oLher healLh care professlonals, 3,300 hosplLals and 12,000 laboraLorles and
dlagnosuc lmaglng cenLers.
- Cers a dlversled producL poruollo wlLh a wlde range of producL oerlngs, beneL deslgns, prlce polnLs and values,
lncludlng lndemnlLy producLs.
- roducLs lnclude admlnlsLrauve servlces such as neLwork access and admlnlsLrauon, care managemenL and personal healLh
servlces and clalms processlng.
- Un|tednea|thcare Internanona| a|so |nc|udes other d|vers|hed g|oba| hea|th serv|ces bus|ness w|th a var|ety of oer|ngs for
|nternanona| customers, |nc|ud|ng:
- neLwork access and care coordlnauon ln Lhe u.S. and overseas
- 1A producLs and servlces for healLh plans and 1As
- 8rokerage servlces
- racuce managemenL servlces for care provlders
- CovernmenL and corporaLe consulung servlces for lmprovlng quallLy and emclency
- Clobal expaLrlaLe lnsurance soluuons
Segment Strategy
Un|tednea|thcare M|||tary & Veterans
- Un|tednea|thcare has been partnered w|th the Department of Defense's (DoD) 1kICAkL Managed Care Support
contract to prov|de hea|th care serv|ces for acnve duty and renred m|||tary serv|ce members and the|r fam|||es |n the
West keg|on.
- Cperauons rsL began ln Aprll, 2013 and serves more Lhan 2.7 mllllon 18lCA8L beneclarles ln 21 sLaLes.
- 1he conLracL lncludes a Lransluon perlod and ve one-year renewals aL Lhe governmenL's opuon for healLh care
operauons
- Un|tednea|thcare markets |t's m|ss|on to |mprove the hea|th and we||-be|ng of those |nc|uded |n the M|||tary &
Veterans segment.
- 1hls lncludes boLh Lhose who currenLly serve ln Lhe mlllLary and have served ln Lhe mlllLary ln Lhe pasL, as well as Lhelr
famllles.
- Un|ted h|gh||ghts these benehts prov|ded |n th|s segment |n order to support the|r m|ss|on.
- Augmenung Lhe mlllLary's dlrecL care sysLem and provldlng managed care supporL servlces, provlder neLworks, medlcal
managemenL, clalms/enrollmenL admlnlsLrauon, and cusLomer servlces
- Creaung lnnovauve, hlgh-quallLy and aordable healLh care soluuons
- lmprovlng Lhe healLh and well-belng for noL only Lhose who are currenLly or were ln Lhe mlllLary, buL Lhelr famllles well
23
Segment Strategy
26
Un|tednea|thcare Commun|ty & State
Un|tednea|thcare connects to the Commun|ty & State segment through |nnovanon.
- Cerlng lnnovauve managed care soluuons Lo sLaLe Medlcald programs
- Wlnnlng rlorlues approach
- lnnovauve programs:
- ersonal Care Model
- PealLhy llrsL SLeps
- ulsease managemenL
Un|tednea|thcare markets to the Commun|ty & State segment through ded|canon to prov|d|ng d|vers|hed so|unons to states'
programs that care for the econom|ca||y d|sadvantaged, med|ca||y underserved and those w|thout emp|oyer funded hea|th care
coverage.
- aruclpaLes ln programs ln 23 sLaLes and Lhe ulsLrlcL of Columbla, and servlng 4 mllllon beneclarles
- Commlued Lo Medlcald and Chlldren's PealLh lnsurance rogram (CPl), Lo Lhe many communlues ln whlch unlLed works, Lo a
local presence and local servlce, and Lo undersLandlng local culLure and lLs relauon Lo dlsease and dlsease managemenL
- Lven for sLaLes or counues LhaL choose noL Lo enLer lnLo rlsk arrangemenLs, unlLedPealLhcare CommunlLy & SLaLe oers a varleLy
of managemenL servlces LhaL leverage lLs lnfrasLrucLure, asseLs, experlence
- unlLed has creaLed healLh plans and care programs LhaL are deslgned Lo address Lhe complex needs of Lhe populauons Lhey
serve, lncludlng Lhe chronlcally lll, Lhose wlLh dlsablllues and people wlLh hlgher rlsk medlcal, behavloral and soclal condluons.
- unlLed leverages Lhe nauonal capablllues of unlLedPealLh Croup, dellverlng Lhem aL Lhe local markeL level Lo supporL eecuve
care managemenL, regulaLory parLnershlps, greaLer admlnlsLrauve emclency, lmproved cllnlcal ouLcomes and Lhe ablllLy Lo adapL
Lo a changlng markeL envlronmenL.
- CoordlnaLes resources among famlly, physlclans, oLher healLh care provlders, and governmenL and communlLy based agencles
and organlzauons Lo faclllLaLe conunuous and eecuve care.
Segment Strategy
Un|tednea|thcare Med|care & kenrement
- Un|tednea|thcare prov|des a w|de spectrum of products and serv|ces to sen|ors (|nd|v|dua|s S0+ |n a|| S0 states, the D|str|ct of
Co|umb|a and most U.S. terr|tor|es
- unlLed has four Lypes of Medlcare plans, and based on enrollmenL, unlLed ls Lhe leadlng player ln Medlcare AdvanLage.
- Medlcare AdvanLage lans, Medlcare SupplemenL lnsurance lans, Medlcare rescrlpuon urug lans, and Medlcare Speclal
needs lans
- Un|ted markets Med|care Advantage |ans by h|gh||ghnng these benehts:
- PosplLal, docLor, and drug coverage avallable ln one slmple plan, lncludlng worldwlde coverage for emergency care, a 24-hour
nursellne, and rouune eye exams, hearlng exams, hearlng alds and a Lness beneL
- Un|ted markets Med|care Supp|ement Insurance |ans by h|gh||ghnng these benehts:
- AblllLy Lo go Lo any docLor or hosplLal ln Lhe unlLed SLaLes LhaL accepLs Medlcare pauenLs
- Un|ted markets Med|care rescr|pnon Drug |ans by h|gh||ghnng these benehts:
- urug llsLs LhaL feaLure Lhousands of covered drugs / Copays as low as $1 Lhrough Lhe referred harmacy neLwork / Access Lo
more Lhan 63,000 neLwork pharmacles / Savlngs and convenlence
- Un|ted markets Med|care Spec|a| Needs |ans by h|gh||ghnng these benehts:
- Meeung Lhe needs of people who llve on llmlLed lncome, are ln a long-Lerm care faclllLy, or have a chronlc or dlsabllng condluon
- Access Lo speclallzed care managemenL servlces
- Servlng nearly 9 mllllon Medlcare beneclarles and more Lhan 4.2 mllllon senlors Lhrough sLand-alone arL u prescrlpuon drug
plans
- Un|tednea|thcare has a broad network and range of capab|||nes for th|s segment.
- Pas Lhe ablllLy Lo address senlors' unlque needs for prevenuve and acuLe healLh care servlces as well as for servlces deallng wlLh
chronlc dlsease and oLher speclallzed lssues for older lndlvlduals
- Pas dlsuncL prlclng, underwrlung, cllnlcal program managemenL and markeung capablllues dedlcaLed Lo rlsk based healLh
producLs and servlces ln Lhls markeL
- Pas exLenslve dlsLrlbuuon capablllues and experlence, lncludlng dlrecL markeung Lo consumers on behalf of lLs key cllenLs: AA8,
Lhe nauon's largesL membershlp organlzauon dedlcaLed Lo Lhe needs of people age 30 and over, sLaLe and u.S. governmenL
agencles, and employer groups
27
Cptum
Cverv|ew
Cptum |s an |ndependent bus|ness "Mak|ng the nea|th Care System Work 8euer for Lveryone."
- rovldes servlces Lo 3,000 hosplLals, 80,000 physlclan pracuces and oLher healLh care faclllues, and nearly 62 mllllon consumers.
- CpLum serves:
- 1hose who need care, those who prov|de care such as physlclans and oLher care provlders, those who pay for care such as
lnsurers, and those who |nnovate for care such as llfe sclences and research focused organlzauons.
- uslng advanced daLa, analyucs and Lechnology, CpLum helps lmprove overall healLh sysLem performance lncludlng opumlzlng
care quallLy, reduclng cosLs and lmprovlng Lhe consumer experlence and care provlder performance.
Cptum has three ma|n bus|ness segments: Cptumnea|th, CptumIns|ght, and Cptumkx
- Cptumnea|th
- rovldes lnformauon, Lools and soluuons Lo help people navlgaLe Lhe healLh care sysLem, and also helps people nance
Lhelr healLh care needs
- CptumIns|ght
- PealLh lnformauon, Lechnology and operauonal servlces, and consulung company
- Cptumkx
- harmacy beneL manager LhaL servlces across nearly all of unlLed PealLhcare's buslnesses as well as exLernal employer
groups, unlon LrusLs, managed care organlzauons, Medlcare-conLracLed plans, Medlcald plans and 1As
W|th|n Cptum's bus|ness segments there are a|so e|ght market segments:
- lnLegraLed Care uellvery, Care ManagemenL, Consumer LngagemenL and SupporL, ulsLrlbuuons of 8eneLs and Servlces,
PealLh llnanclal Servlces, harmacy, PealLhcare l1, and Cperauonal Servlces and SupporL
Cptum has |ong-term growth |evers to he|p these bus|ness and market segments connnua||y grow.
- &M 8uslness, 8uslness Servlces, lnLegraLed Care uellvery, Consumer 8elauonshlp ManagemenL, and Chronlc opulauon
Care ManagemenL
Cptumnea|th
- Cptumnea|th |s a d|vers|hed hea|th and we||ness bus|ness serv|ng the phys|ca|, emonona| and hnanc|a| needs of more
than 61 m||||on un|que |nd|v|dua|s.
- Lnables consumer healLh managemenL and lnLegraLed care dellvery Lhrough programs oered by employers, payers,
governmenL enuues and, lncreaslngly, dlrecLly Lhrough Lhe care dellvery sysLem.
- Cptumnea|th's products and serv|ces can be dep|oyed |nd|v|dua||y or |ntegrated to prov|de comprehens|ve so|unons,
address|ng a broad base of needs w|th|n the hea|th care system.
- CpLum creaLes soluuons Lhrough reduclng cosLs for cusLomers, lmprovlng workforce producuvlLy and consumer
sausfacuon, and opumlzlng Lhe overall healLh and well-belng of consumers
- Cptumnea|th se||s |ts products pr|mar||y through |ts d|rect sa|es force, strateg|c co||aboranons and externa| producers |n
three markets.
- Lmployers, whlch lncludes Lhe sub-markeLs of large, mld and small employers)
- ayers, whlch lncludes Lhe sub-markeLs of healLh plans, 1As, underwrlLer/sLop-loss carrlers and lndlvldual markeL
lnLermedlarles
- CovernmenL enuues, whlch lncludes sLaLes, CMS, uou, veLerans AdmlnlsLrauon and oLher federal procuremenL
- As provlder relmbursemenL models evolve, care provlders are emerglng as a fourLh markeL for Lhe healLh managemenL,
nanclal servlces and lnLegraLed care dellvery buslnesses.
- Cptumnea|th |s organ|zed |nto three ma[or operanng groups: Care Management, Integrated Care De||very and
Consumer So|unons.
- Care ManagemenL lncludes SpeclalLy neLworks and PealLh ManagemenL Soluuons.
- lnLegraLed Care uellvery ls dened by Lhe Lypes of care dellvery supporL servlces provlded wlLhln CpLumPealLh's Lwo
buslnesses: Collaborauve Care and Loglsucs PealLh, lnc. (LPl).
- Consumer Soluuons lncludes consumer and markeung capablllues, such as dlsLrlbuuon and nanclal servlces.
Segment Strategy
Segment Strategy
30
CptumIns|ght
- CptumIns|ght |s a hea|th care |nformanon, techno|ogy, operanona| serv|ces and consu|nng company prov|d|ng sohware and
|nformanon products, adv|sory consu|nng serv|ces, and bus|ness process outsourc|ng serv|ces and support to parnc|pants.
- Works wlLh hosplLals, physlclans, commerclal healLh plans, governmenL agencles, llfe sclences companles and oLher
organlzauons LhaL comprlse Lhe healLh care sysLem work Lo:
- 8educe cosLs
- MeeL compllance mandaLes
- lmprove cllnlcal performance
- AdapL Lo Lhe changlng healLh sysLem landscape
- Many of CptumIns|ght's sohware and |nformanon products, adv|sory consu|nng arrangements, and outsourc|ng contracts
are performed over an extended per|od, ohen severa| years.
- CpLumlnslghL malnLalns an order backlog Lo Lrack unearned revenues under Lhese long-Lerm arrangemenLs. 1he backlog
conslsLs of esumaLed revenue from slgned conLracLs, oLher legally blndlng agreemenLs and anuclpaLed conLracL renewals
based on hlsLorlcal experlence LhaL elLher have noL sLarLed buL are anuclpaLed Lo begln ln Lhe near fuLure, or are ln process
and have noL been compleLed.
- CpLumlnslghL cannoL provlde any assurance LhaL lL wlll be able Lo reallze all of Lhe revenues lncluded ln backlog due Lo
uncerLalnLy regardlng Lhe umlng and scope of servlces, Lhe poLenual for cancellauon, non-renewal, or early Lermlnauon of
servlce arrangemenLs.
nowever, over these years, CptumIns|ght has created a strong network.
- As of uecember 31, 2012, CpLumlnslghL's producLs and servlces are used by four ouL of ve hosplLals, Lens of Lhousands of
physlclan pracuces and oLher healLh care faclllues, approxlmaLely 300 healLh plans, nearly 400 global llfe sclences companles,
and many governmenL agencles, as well as oLher unlLedPealLh Croup buslnesses.
Segment Strategy
31
Cptumkx
- Cptumkx prov|des a fu|| range of pharmacy beneht management (8M) serv|ces to more than 14 m||||on peop|e
nanonw|de.
- Servlces lnclude beneL plan deslgn and consulLauon, clalms processlng, manufacLurer rebaLe conLracung and admlnlsLrauon,
reLall pharmacy neLwork managemenL servlces, mall order and speclalLy pharmacy servlces, Medlcare arL u servlces, and a
varleLy of cllnlcal servlces, such as formulary managemenL and compllance, drug uullzauon revlew and dlsease and drug
Lherapy managemenL servlces.
- Cptum markets these serv|ces through h|gh||ghnng these key benehts:
- Pelplng people achleve opumal healLh whlle maxlmlzlng cosL savlngs
- Worklng closely wlLh cusLomers Lo creaLe cusLomlzed soluuons Lo lmprove quallLy and safeLy
- lncreaslng compllance and adherence
- 8educlng fraud and wasLe
- 1he ma|| order and spec|a|ty pharmacy fu|h||ment capab|||nes of Cptumkx are an |mportant strateg|c component of |ts
bus|ness.
- rovldes pauenLs wlLh convenlenL access Lo malnLenance medlcauons
- Cers a broad range of complex drug Lheraples and pauenL managemenL servlces for lndlvlduals wlLh chronlc healLh
condluon
- Lnables CpLum8x Lo manage lLs cllenLs' drug cosLs Lhrough operaung emclencles and economles of scale
Accountab|e Care So|unons Strategy
Accountab|e Care Crgan|zanons:
Un|tednea|thcare understands the va|ue of accountab|e care organ|zanons |s current|y acnve w|th one ACC p||ot |n 1ucson, Ar|zona, and
|s work|ng on add|ng e|ght to 12 p||ots across the country by 2012.
1|me||ne of ACC Deve|opment:
- March 2013
- Launched accounLable care organlzauon wlLh CoasLal hyslclans ln 8hode lsland. 1he organlzauon comblnes value-based
performance lncenuves wlLh advanced analyucal Lools Lo measure care quallLy and lmprove ouLcomes. CoasLal Medlcal has more
Lhan 100 care provlders wlLh 19 locauons LhroughouL 8hode lsland
- Ianuary 2013
- CollaboraLed wlLh CornersLone PealLh Care Lo launch accounLable care organlzauon LhaL enables CornersLone care provlders Lo
manage all aspecLs of a pauenL's healLh care and ensure proper course of LreaLmenL ls belng followed. 1hls new accounLable care
organlzauon lnclude more Lhan 360 physlclans and oLher healLh care professlonals.
- March 2012
- unlLedPealLhcare and CpLum collaboraLed wlLh WLS1MLu Medlcal Croup Lo launch an accounLable care organlzauon for more Lhan
220 physlclans ln WesLchesLer CounLy, new ?ork. WLS1MLu physlclans are now ellglble for lncenuves based on measuremenLs ln
dlsease managemenL, pauenL safeLy, and approprlaLe care uullzauon. 1hls collaborauon wlll help WLS1MLu achleve lnsuLuLe for
PealLhcare lmprovemenL 1rlple Alm" ob[ecuves: reduced cosL, lmproved quallLy ouLcomes and lncreased pauenL sausfacuon.
- Iune 2011
- 1ucson Medlcal CenLer and lndependenL area physlclans, wlLh Lhe help of unlLedPealLh Croup's CpLum buslness, announce LhaL
Lhey are creaung Lhe nauon's rsL 'SusLalnable PealLh CommunlLy,' based on an AccounLable Care Crganlzauon (ACC) model ln
whlch hosplLals, physlclans, resldenLs, employers and oLhers share ln Lhe rlsk and rewards of maklng Lhe healLh sysLem work beuer
for everyone
- September 2011
- unlLedPealLhcare and CpLum parLnered wlLh Monarch PealLhcare ls Crange CounLy of Callfornla's largesL assoclauon of physlclans ln
prlvaLe pracuce. Monarch was selecLed by Lhe u.S. ueparLmenL of PealLh and Puman Servlces Lo paruclpaLe ln Lhe loneer ACC Model,
a CMS lnnovauon CenLer lnluauve deslgned Lo supporL organlzauons wlLh experlence operaung as accounLable care organlzauons Lo
provlde care LhaL ls beuer coordlnaLed Lo beneclarles' needs, aL a lower cosL Lo Medlcare.
03
Membershlp
Annual Membershlp
CuarLerly Membershlp
26,923
2,363
3,830
3,180
4,223
4,423
0
2012
Commerclal
Medlcare AdvanLage
Medlcald
Medlcare SupplemenL
Medlcare arL u
lnLernauonal
Un|tednea|th Group Customer roh|e
- Commerclal lncluded a rlsk-based of 9,340
members and fee-based (ASC) of 17,383
members.
- 1he LoLal number of unlLedPealLhcare
medlcal members was 40,923.
23,870
2,163
3,600
2,933
4,833
0
2011
Commerclal
Medlcare AdvanLage
Medlcald
Medlcare SupplemenL
Medlcare arL u
- Commerclal lncluded a rlsk-based of 9,330 members and fee-based
(ASC)of 16,320 members.
- 1he LoLal number of unlLedPealLhcare medlcal members was
34,370.
24,810
2,003
3,383
2,770
4,330 0 2010
Commerclal
Medlcare AdvanLage
Medlcald
Medlcare SupplemenL
Medlcare arL u
- Commerclal lncluded a rlsk-based of 9,403 members and fee-based
(ASC)of 13,403 members.
- 1he LoLal number of unlLedPealLhcare medlcal members was
32,970.
Membersh|p - Annua|
(ln Lhousands)
(ln Lhousands)
(ln Lhousands)
Source: Health Insurer Insights April 2013 UnitedHealth Group Profile Report from Mark Farrah Associates
Membersh|p - uarter|y
27,300
2,863
3,893
3,323
4,710
4,630
0
Commerclal
Medlcare AdvanLage
Medlcald
Medlcare SupplemenL
Medlcare arL u
lnLernauonal
eople Served as of March 31, 2013:
- Commerclal rlsk-based lncludes 8,133 members
- Commerclal fee-based lncludes 19,163 members
- 42,013 LoLal unlLedPealLhcare medlcal members
26,443
2,420
3,663
3,040
4,223
4,423
0
Commerclal
Medlcare AdvanLage
Medlcald
Medlcare SupplemenL
Medlcare arL u
lnLernauonal
eople Served as of December 31, 2012:
- Commerclal rlsk-based 9,340 members
- Commerclal fee-based 17,383 members
(ln Lhousands)
26,923
2,340
3,943
3,133
4,230
0
Commerclal
Medlcare AdvanLage
Medlcald
Medlcare SupplemenL
Medlcare arL u
eople Served as of September 30, 2012:
- Commerclal rlsk-based 9, 340 members
- Commerclal fee-based 17,383 members
(ln Lhousands)
(ln Lhousands)
Source: Health Insurer Insights April 2013 UnitedHealth Group Profile Report from Mark Farrah Associates
03
llnanclal erformance

Annual llnanclals

CuarLerly llnanclals
I|nanc|a| erformance
I|nanc|a|s
ear-to-Date
Cperaung Margln
malnLalned 7.6
over Lhe pasL Lhree
years.
$103.42
$93.34
$88.73
$7.82 $7.20 $6.74
$-
$20.00
$40.00
$60.00
$80.00
$100.00
$120.00
2012 2011 2010
llnanclals-?ear-Lo-uaLe
8evenues Larnlngs from Cperauons
Segment
kevenue
1he LoLal segmenL
revenue was:
- $103,419,000
ln 2012
- $93,336,000
ln 2011
- $88,730,000
ln 2010
80.90 80.90 80.80 80.60
8.30 8.40
0
0.2
0.4
0.6
0.8
1
2012 2011 2010
SegmenL 8evenue
Commerclal ML8 1oLal ML8 reLax Cperaung Margln
Annua|
I|nanc|a|s
ear-to-Date
Cperaung Margln
conslsLed of:
- 8.1 ln 3C12
- 7.6 ln 3C11
$76.36
$71.17
$6.17 $3.41
$-
$20.00
$40.00
$60.00
$80.00
$100.00
3C12 3C11
llnanclals ?ear-Lo-uaLe
8evenues Larnlngs from Cperauons
Segment
I|nanc|a|s for
312
ConsolldaLed
8evenues were:
- $81,849,000
ConsolldaLed
Larnlngs were:
- $7,133,000
80.20 80
23.30
79
0.00
20.00
40.00
60.00
80.00
100.00
1C13 4C12 3C12
SegmenL llnanclals for 3C12
Commerclal ML8
1oLal ML8
reLax Cperaung Margln
uarter|y
(ln mllllons)
(ln mllllons)
(ln mllllons)
(ln mllllons)
Source: PealLh lnsurer lnslghLs Aprll 2013 unlLedPealLh Croup role 8eporL from Mark larrah AssoclaLes

Unitedhealth Group Competitive Fact Book

Diunggah oleh

Informasi Dokumen

Judul Asli

Hak Cipta

Format Tersedia

Bagikan dokumen Ini

Bagikan atau Tanam Dokumen

Opsi Berbagi

Apakah menurut Anda dokumen ini bermanfaat?

Apakah konten ini tidak pantas?

Hak Cipta:

Format Tersedia

Unitedhealth Group Competitive Fact Book

Diunggah oleh

Hak Cipta:

Format Tersedia

ua||ty hea|th p|ans & benehts

Anda mungkin juga menyukai