United Healthcare 2007 Annual Report Download - page 4

Additional Information
UnitedHealth Group Incorporated was incorporated in January 1977 in Minnesota. Our executive offices are
located at UnitedHealth Group Center, 9900 Bren Road East, Minnetonka, Minnesota 55343; our telephone
number is [phone].
You can access our website at www.unitedhealthgroup.com to learn more about our Company. From that site,
you can download and print copies of our annual reports to shareholders, annual reports on Form 10-K, quarterly
reports on Form 10-Q, and current reports on Form 8-K, along with amendments to those reports. You can also
download from our website our Articles of Incorporation, bylaws and corporate governance policies, including
our Principles of Governance, Board of Directors Committee Charters, and Code of Business Conduct and
Ethics. We make periodic reports and amendments available, free of charge, as soon as reasonably practicable
after we file or furnish these reports to the SEC. We will also provide a copy of any of our corporate governance
policies published on our website free of charge, upon request. To request a copy of any of these documents,
please submit your request to: UnitedHealth Group Incorporated, 9900 Bren Road East, Minnetonka, MN 55343,
Attn: Corporate Secretary.
Our transfer agent, Wells Fargo Shareowner Services, can help you with a variety of shareholder-related services,
including change of address, lost stock certificates, transfer of stock to another person and other administrative
services. You can write to our transfer agent at: Wells Fargo Shareowner Services, P.O. Box 64854, St. Paul,
Minnesota 55164-0854, email [email protected], or telephone [phone] or [phone].
DESCRIPTION OF BUSINESS SEGMENTS
HEALTH CARE SERVICES
Our Health Care Services segment consists of the following businesses: Commercial Markets (UnitedHealthcare
and Uniprise), Ovations and AmeriChoice. The financial results of Commercial Markets, Ovations and
AmeriChoice have been aggregated in the Health Care Services reporting segment due to their similar economic
characteristics, products and services, types of customers, distribution methods and operational processes, and
regulatory environment. These businesses also share significant common assets, including our contracted
networks of physicians, health care professionals, hospitals and other facilities, information technology
infrastructure and other resources.
Commercial Markets
UnitedHealthcare. UnitedHealthcare offers a comprehensive array of consumer-oriented health benefit plans and
services for public sector and small and mid-sized private sector employers, and individuals nationwide.
UnitedHealthcare facilitated access to health care services on behalf of nearly 15 million Americans as of
December 31, 2007. With its risk-based product offerings, UnitedHealthcare assumes the risk of both medical
and administrative costs for its customers in return for a monthly premium, which is typically at a fixed rate for a
one-year period. UnitedHealthcare also provides administrative and other management services to customers that
self-insure the medical costs of their employees and their dependents, for which UnitedHealthcare receives a
fixed service fee per individual served. These customers retain the risk of financing medical benefits for their
employees and their dependents, while UnitedHealthcare provides coordination and facilitation of medical
services, customer and health care professional services and access to a contracted network of physicians,
hospitals and other health care professionals. Small employer groups are more likely to purchase risk-based
products because they are less willing to bear a greater potential liability for health care expenditures.
UnitedHealthcare also offers a variety of non-employer based insurance options for purchase by individuals,
which are designed to meet the health coverage needs of these consumers and their families.
UnitedHealthcare offers its products through affiliates that are usually licensed as insurance companies or as
health maintenance organizations (HMOs). UnitedHealthcare’s product strategy centers on several principles:
consumer choice, broad access to health professionals, use of data and science to promote better outcomes,
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