Cigna 2008 Annual Report Download - page 7
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5
and accident business – especially in major markets in Asia – and in our expatriate benefi ts
business, through which we meet the health and wellness needs of expatriate employees
in many countries across the globe.
International results were tempered to a degree by unfavorable fl uctuations in foreign
exchange rates, most notably the signifi cant currency movements in South Korea, our
largest market outside the United States. However, CIGNA International is fundamentally
strong and well positioned for profi table growth in promising markets around the globe.
Reform in a Changing Environment
We’re also poised for new opportunities to improve health and well-being here in the
United States, where people need and want a better, more effective approach to staying
healthy. There’s no question about it – Americans want health care reform. Business leaders
want reform, too. They know that value-driven, cost-effective health care is critically
important to a productive, competitive work force.
In fact, concerns about the state of our nation’s economic health relate specifi cally to staying
healthy at a personal level. Various studies show that a disturbingly high number of people
are short-changing their own health care because of the fi nancial pressures they feel in this
economy. People are under stress and they’re neglecting their health, with a greater likelihood
of depression, illness, and disability as a consequence.
We know that our customers – employers and individuals – need us now, more than ever, to
help them stay healthy and well.
Many of the reforms being discussed involve proposals to lower costs by investing in health
information technology, wellness programs, and disease and disability prevention. CIGNA
has been driving the effort to make these aspirations a reality.
We’ve helped shape the debate on these initiatives – and on health care reform in general.
We’ve been actively working with legislators at both the state and federal levels, as well as
with business and industry groups. This is our business – and we have experience and insight
to share with regard to what will work and what’s sustainable for the long term.
CIGNA’s recommendations build on the best of what we already have and incorporate needed
changes to ensure access and affordability for all, as well as more consistent quality. We have
four main recommendations: