Cigna 2009 Annual Report Download - page 23

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D. Health Care
CIGNA’s Health Care segment (“CIGNA HealthCare”) offers insured and self-funded medical, dental, behavioral health, vision,
and prescription drug benefit plans, health advocacy programs and other products and services that may be integrated to provide
individuals with comprehensive health care benefit programs. CIGNA HealthCare also provides disability and life insurance products
that were historically sold in connection with certain experience-rated medical products. These products and services are provided and
administered by subsidiaries of CIGNA Corporation. CIGNA HealthCare companies offer these products and services in all 50 states,
the District of Columbia, Puerto Rico and the U.S. Virgin Islands.
CIGNA HealthCare is focused on helping to improve the health, well-being and sense of security of the individuals it serves.
CIGNA HealthCare believes the most sustainable approach to enhancing quality and managing health care costs is to fully engage
individuals in the decisions that affect their health and the health care services they receive. To assist individuals in making informed
choices about health care for themselves and their families, CIGNA HealthCare makes available to its members actionable
information about health and advocacy programs as well as about the cost and quality of health care services and supplies provided to
them.
Underlying CIGNA HealthCare’s operations is a foundation of clinical expertise and an ability to provide quality service.
CIGNA HealthCare’s strengths include its ability to: (1) integrate medical and specialty product offerings to achieve a more holistic
and integrated approach to individuals’ health that promotes consistent care management; and (2) provide predictive modeling and
other analytical tools (for example, through the Company’s exclusive access to analytical tools and algorithms developed by the
University of Michigan), to assist in providing targeted outreach and health advocacy by CIGNA’s clinical professionals to CIGNA
HealthCare members.
Principal Products and Services and Funding Arrangements
With the exception of Health Maintenance Organization (“HMO”) as well as Medicare Part D and Private Fee for Service
products, each of CIGNA HealthCare’s products (as described below) is offered with multiple funding options (also described below).
CIGNA may sell multiple products under the same funding arrangement to the same employer. Accordingly, the revenue table
included in the Health Care section of the MD&A beginning on page 62 of this Form 10-K reflects both the product type and funding
arrangement.