Cigna 2009 Annual Report Download - page 26

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Pharmacy. CIGNA Pharmacy offers prescription drug plans to its insured and self-funded customers both in conjunction with its
medical products and on a stand-alone basis. With a nationwide network of approximately 60,300 contracted pharmacies, CIGNA
Pharmacy is a comprehensive pharmacy benefits manager offering clinical integration programs, specialty pharmacy solutions, and
fast, efficient home delivery pharmacy capabilities that improve outcomes and reduce costs for a Return On Health®.
Programs that reflect this integration of medical, behavioral and pharmacy offerings include:
x Well Informed. CIGNA’s Well Informed program focuses on the chronic conditions most likely to benefit from disciplined
prescription therapy, such as asthma, diabetes, back pain and high cholesterol.
x Step Therapy is a program that encourages individuals who take prescription drugs to treat an ongoing medical condition to use
generic and/or preferred brand drugs before progressing to higher cost brand-named drugs within the relevant therapeutic drug
class. This is accomplished through claim management protocols, which may include communications with the individual and
the individual’s physician.
x Specialty Pharmacy Solutions. Because it offers both medical and pharmacy benefit management products and services, CIGNA
HealthCare is uniquely positioned to manage holistic care for individuals with chronic conditions. This approach allows
individuals to access medication in the most appropriate setting based on their unique circumstances. This results in less
confusion and disruption in care, which in turn promotes medication adherence and healthier outcomes.
x CIGNA Tel-Drug® Home Delivery Pharmacy. CIGNA HealthCare also offers cost-effective mail order, telephone and on-line
pharmaceutical fulfillment services through its home delivery operation. CIGNA Tel-Drug Home Delivery Pharmacy provides an
individual-focused, efficient home delivery pharmacy with high standards of quality, accuracy and individual care relating to
maintenance and specialty medications. Orders may be submitted through the mail, via phone or through the internet at
myCIGNA.com.
x CIGNA HealthCare also offers a suite of online tools to individuals, including our award-winning Prescription Drug Price Quote
Tool, which empowers individuals with actionable information that helps them maximize their benefits and lower their out-of-
pocket costs.
Private Fee For Service. CIGNA's Medicare Advantage private fee-for-service plan, CIGNA Medicare Access Plan, has been
approved by the Centers for Medicare and Medicaid Services to be a replacement for Original Medicare. The CIGNA Medicare
Access Plan offers the same benefits as Original Medicare Parts A & B, as well as supplemental benefits, including annual physicals,
emergency worldwide coverage and health and wellness programs.
Medicare Part D. CIGNA’s Medicare Part D prescription drug program, CIGNA Medicare Rx®, provides a number of plan
options as well as service and information support to Medicare and Medicaid eligible members. CIGNA Medicare Rx is available in
all 50 states and the District of Columbia.
Retail Pharmacies. CIGNA HealthCare operates 20 retail pharmacies, including on-site retail pharmacies for members to serve
the needs of CIGNA HealthCare members.
CIGNA Onsite Health was formed in 2007. The Company operates onsite health centers at five CIGNA employee locations and
expects to open several onsite health clinics at other employer locations during 2010. In addition, the Company has multiple health
advocates at employer sites across the country. Onsite operations are projected to expand throughout 2010 and beyond.
Cost Containment Service. CIGNA administers cost containment programs with respect to health care services/supplies that are
covered under benefit plans. These programs, which may involve contracted vendors, are intended to control health costs through the
reduction of out-of-network utilization, the auditing of provider bills and recovery of overpayments from other insurance carriers or
providers. CIGNA earns fees for providing or arranging these services.