United Healthcare 2009 Annual Report Download - page 4

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 REPORTING SEGMENTS
Health Benefits
Our Health Benefits reporting segment consists of the following businesses: UnitedHealthcare, Ovations and
AmeriChoice. The financial results of UnitedHealthcare, Ovations and AmeriChoice have been aggregated in the
Health Benefits reporting segment due to their similar economic characteristics, products and services, types of
customers, distribution methods, 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. Health Benefits arranges for
discounted access to care through a network of approximately 700,000 physicians and other health care
professionals and 5,200 hospitals across the United States.
UnitedHealthcare
UnitedHealthcare offers a comprehensive array of consumer-oriented health benefit plans and services for large
national employers, public sector employers, mid-sized employers, small businesses and individuals nationwide.
UnitedHealthcare facilitated access to health care services on behalf of approximately 25 million Americans as of
December 31, 2009. 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
elect to self-fund the health care costs of their employees and employees’ dependants, for which
UnitedHealthcare receives a fixed service fee per individual served. These customers retain the risk of financing
medical benefits for their employees and employees’ dependants, 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. Large employer groups, such as those
serviced by UnitedHealthcare National Accounts, typically use self-funded arrangements. As of December 31,
2009, UnitedHealthcare National Accounts served approximately 380 large employer groups under these
arrangements, including 150 of the Fortune 500 companies. 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 licensed as insurance companies, health
maintenance organizations (HMOs), or third party administrators (TPAs). UnitedHealthcare’s product strategy
centers on several principles: consumer choice, broad access to health professionals, and use of data and science
to promote better outcomes, quality service, transparency and affordability. Integrated wellness programs and
services help individuals make informed decisions, maintain healthy lifestyles and optimize health outcomes by
coordinating access to care services and providing personalized, targeted education and information services.
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