United Healthcare 2009 Annual Report Download - page 8

basis. They include a state’s consistency of support for service innovation and funding of its Medicaid program,
the population base, the commitment of the physician/provider community to the AmeriChoice Personal Care
Model, and the presence of community-based organizations that can partner with AmeriChoice to meet member
needs.
OptumHealth
OptumHealth serves nearly 58 million unique individuals with its diversified offering of health, financial and
ancillary benefit services and products that assist consumers in navigating the health care system, accessing
health services based on their needs, supporting their emotional health and well-being, providing ancillary
insurance benefits and helping people finance their health care needs through account-based programs.
OptumHealth seeks to simplify the consumer health care experience and facilitate the efficient and effective
delivery of care. Its capabilities can be deployed individually or integrated to provide a comprehensive solution
oriented around a broad base of consumer needs within the health care system.
OptumHealth’s simple, modular service designs can be easily integrated to meet varying employer, payer, public
sector and consumer needs at a wide range of price points. OptumHealth offers its products on an administrative
fee basis where it manages and administers benefit claims for self-insured customers in exchange for a fixed fee
per individual served, and on a risk basis, where OptumHealth assumes responsibility for health care costs in
exchange for a fixed monthly premium per individual served. For its financial services offerings, OptumHealth
charges fees and earns investment income on managed funds.
OptumHealth distributes its products through three strategic markets: employer (which includes the sub-markets
of large, mid and small employers), payer (which includes the sub-markets of health plans, third party
administrators, underwriter/stop-loss carriers and individual market intermediaries) and public sector (which
includes Medicaid, Medicare and Federal procurement).
OptumHealth is one brand, organized into four major operating groups: OptumHealth Care Solutions,
OptumHealth Financial Services, OptumHealth Behavioral Solutions and OptumHealth Specialty Benefits.
Care Solutions. Care Solutions serves more than 40 million individuals through personalized health management
solutions that improve people’s health and well-being, improve clinical outcomes and workforce productivity and
reduce health care costs. Programs include wellness and prevention, disease management, case management,
physical health programs, complex condition management, specialized provider networks, personalized health
portals and consumer marketing services.
Care Solutions also provides benefit administration and clinical and network management for chiropractic,
physical therapy, occupational therapy and other complementary and alternative care services through its national
network consisting of approximately 24,000 chiropractors, 16,000 physical and occupational therapists and 8,000
complementary and alternative health professionals.
Financial Services. Financial Services provides health-based financial services for consumers, employers, payers
and health care professionals. These financial services include HSAs, HRAs and Flexible Spending Accounts
offered through OptumHealth Bank, a Utah-chartered industrial bank. As of December 31, 2009, Financial
Services had approximately $860 million in assets under management. Financial Services’ health benefit card
programs include electronic systems for verification of benefit coverage and eligibility. Financial Services also
provides electronic payment and statement services for health care professionals and payers. In 2009, Financial
Services electronically transmitted $36 billion in medical payments to physicians and other health care providers.
Behavioral Solutions. Behavioral Solutions serves 43 million individuals with its employee assistance programs,
work/life offerings, and clinically driven behavioral health, substance abuse and psychiatric disability
management programs. Its consumer-focused programs incorporate state-of-the-art predictive modeling,
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