United Healthcare 2005 Annual Report Download - page 7

• Care facilitation services that use proprietary predictive technology to identify individuals with
significant gaps in care and unmet needs or risk for potential health problems and then facilitate timely
and appropriate interventions;
• Unique disease and condition management programs to help individuals address significant, complex
disease states;
• Convenient self-service for customer transactions, pharmacy services and health information; and
• Clinical information that physicians can use to better serve their patients as well as improve their
practices.
UnitedHealthcare’s regional and national access to broad, affordable and quality networks of care has advanced
significantly in the past 24 months with acquisitions and/or expansions enhancing services throughout the United
States, including California, Oregon, Washington, Oklahoma, Texas, Arizona, Colorado, Nevada, Indiana,
Florida, Connecticut, Delaware, Maryland, New Jersey, New York, Pennsylvania and Wisconsin.
UnitedHealthcare has also organized health care alliances with select regional not-for-profit health plans to
facilitate greater customer access and affordability.
We believe that UnitedHealthcare’s innovation distinguishes its product offerings from the competition. Its
consumer-oriented health benefits and services value individual choice and control in accessing health care.
UnitedHealthcare has programs that provide health education, admission counseling before hospital stays, care
advocacy to help avoid delays in patients’ stays in the hospital, support for individuals at risk of needing
intensive treatment and coordination of care for people with chronic conditions. UnitedHealthcare offers
comprehensive and integrated pharmaceutical management services that achieve lower costs by using formulary
programs that drive better unit costs for drugs, benefit designs that encourage consumers to use drugs that offer
the best value and outcomes, and physician and consumer programs that support the appropriate use of drugs
based on clinical evidence.
UnitedHealthcare’s distribution system consists primarily of insurance producers in the small employer group
market and producers and other consultant-based or direct sales for large employer and public sector groups.
UnitedHealthcare’s direct distribution operations are relatively limited and apply only in the Maryland,
Washington, D.C. and Virginia markets, as well as to portions of the large employer commercial market (which
is generally self-funded) and to cross-selling of specialty products to existing customers. UnitedHealthcare’s
external distribution network includes national benefits consultants and local insurance producers.
Ovations
Ovations provides health and well-being services for individuals age 50 and older, addressing their unique needs
for preventative and acute health care services as well as for services dealing with chronic disease and other
specialized issues for older individuals. Ovations is one of few enterprises fully dedicated to this market segment,
providing products and services in all 50 states, the District of Columbia, Puerto Rico, the U.S. Virgin Islands,
Guam and the Northern Mariana Islands through affiliates. Ovations’ wide array of products and services
includes Medicare Supplement and Medicare Advantage health benefit coverage, and stand-alone prescription
drug coverage and prescription drug discount cards, as well as disease management and chronic care programs.
Ovations has extensive capabilities and experience with distribution, including direct marketing to consumers on
behalf of its key clients—AARP, state and U.S. government agencies and employer groups. Ovations also has
distinct marketing, pricing, underwriting and clinical program management, and marketing capabilities dedicated
to senior and geriatric risk-based health products and services.
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