Cigna Facts - Center Care



CIGNA AT A GLANCE (As of December 31, 2011 unless otherwise noted)

Cigna’s continued success around the world is driven by our Go Individual, Go Global, Go Deep strategy

 $22.0 billion in revenues  $1.3 billion in net income  $8.3 billion in shareholders’ equity  Ranked 130 on the 2012 Fortune 500 list  31,000 employees worldwide  71 million customer relationships around the world (as of June 2012)  11.5 million health care customers in the United States • 83% of medical business is made up of employer self-funded plans for which Cigna provides Administrative Services Only • 136 million medical claims processed in 2011  20.8 million behavioral care customers  10.9 million covered by dental  7.8 million covered by pharmacy  11.0 million covered by Group Disability and Life  The acquisition of HealthSpring in January 2012 adds 340,000 Medicare Advantage members and 800,000 Medicare prescription drug members

 More than 11 million Cigna International® customer relationships (as of June 2012) • More than 870,000 expatriates and other globally mobile individuals covered around the world, representing Cigna’s leadership in this market (as of June 2012)  Partnerships and licenses in 30 countries and jurisdictions  Service centers open 24/7/365  Global network includes more than 1 million partnerships with health care professionals, clinics and facilities • 667,400 contracted doctors • 5,600 contracted hospitals • 235,500 contracted dental access points • 108,000 behavioral access points with psychiatrists, psychologists, clinical social workers and facilities • 62,000 pharmacy locations • 53,000 vision professionals in 22,800 locations  Charitable giving financial impact of $11.3 million in 2011 • 27,063 Cigna employee volunteer hours in 2011 through company-supported community service activities

AT CIGNA, WE BELIEVE THAT BEING TRUE TO YOURSELF IS THE FIRST STEP TO BEING TRULY HEALTHY. That’s how we run a healthy business, holding fast to our health service mission. That’s how we generate value for our shareholders, staying true to our global growth strategy. That’s how we attract the best employees, offering them ways to contribute their unique talents. And that’s how we serve our customers — encouraging them as they march to the beat of their own drummers — whether they dream of climbing mountains or lowering their cholesterol ... running marathons or running companies ... raising their heart rates or raising their families ... planning for the future or leaving old habits behind. We are all different when it comes to our health, well-being and sense of security. Cigna revels in that difference. No matter what your dreams are, Cigna helps you reach your full potential — helping you be you.



GLOBAL COMMUNITY A PASSION FOR IMPROVING HEALTH The Cigna Foundation and Civic Affairs work with Cigna employees and community partners who share our passion for improving health and well-being. For example, in 2011, Cigna:  Launched the global Community Service Program, giving every Cigna employee worldwide eight hours paid time off for community service.  Selected Visibility (UK/Scotland) and Huashan Social Welfare Foundation (Taiwan) as the first recipients of new $50,000 global giving grants.

LCpl Matias Ferreira, left, 22, is a Marine who lost both legs while serving in Afghanistan in 2011. He is a member of Achilles International, a non-profit organization supported by the Cigna Foundation, which helps wounded veterans and others with disabilities participate in mainstream athletics. Ferreira met last year with Cigna President and CEO David Cordani, right, and the two completed the Walt Disney World® half-marathon together.

 Increased employee contributions to March of Dimes by $50,000, making Cigna the eighth largest corporate sponsor.


 Raised more than $1.25 million for the Juvenile Diabetes Research Foundation in Hartford, Connecticut.

Recognizing that many veterans need help transitioning to civilian life, Cigna launched a multifaceted support program for veterans and troops:

 Introduced the Healthy Lifestyle grant program for employees and provided almost $50,000 in grants on behalf of employees who walk or run for charity.

 A permanent gift-matching website was established by Cigna Civic Affairs for employee contributions to the Service to the Armed Forces fund of the American Red Cross. Employee donations and company matches total nearly $32,000 to date.

 Awarded more than $50,000 to charities selected by employees who participated in the annual Cigna Shape Up program.  Improved by 200 spots in the Newsweek ranking of Green Companies.  Developed the Return and Receive program, which provides donations to organizations selected by customers with disabilities who return to work.  Forged a partnership with Daily Feats to support charitable partners based on healthy activities of participants in the program.  Created a new Red Cross disaster relief website dedicated to supporting victims through matching employee contributions.

 The Cigna Foundation provided $30,000 to Achilles International, a non-profit organization that helps veterans and others with disabilities participate in mainstream athletics. Additionally, the Cigna Foundation gave nearly $18,000 to Achilles to support a team of runners at the Walt Disney World® Marathon.  The Cigna Foundation provided $30,000 to organizations that match rescue dogs with veterans who suffer from post-traumatic stress disorder or other mental health issues. The Cigna Foundation also sponsored a conference on creating healing medical environments for wounded veterans at the National Intrepid Center of Excellence, located on the Navy campus in Bethesda, Maryland, and donated $15,000 to Operation Music Aid to provide musical instruments for veterans in Connecticut.  Cigna joined Hero Health Hire, a coalition of companies united by the common goal of employing veterans.



GO INDIVIDUAL GO INDIVIDUAL is about bringing to market highly personalized health solutions and services that benefit individual consumers With help from her Cigna nurse advocate and vocational rehabilitation counselor, Mary Ramirez was able to stay at work after a car accident.

MARY RAMIREZ Collections Manager, 50 years old I had a vehicle accident in 2009. I have bulging discs in my neck and back and need monthly injections of steroids and cortisone. I was having trouble working. I felt helpless.


I read an article about Cigna’s programs. I was put in touch with Tina Harris. I hooked up with a weight loss program to help my back. I’ve lost about 30 pounds. Talking to Tina was just like talking to family. We would be laughing and carrying on! The best thing was that I received help and was going to be able to make it through my life.

I talk with someone at Cigna every month. I also go to their website to get tips. Cigna gave me hope. If you just make one phone call, they take it from there.

Tina Harris, RN Mary’s Cigna Health Advocate


Having spoken with hundreds of employees, I find that they really want to stay at work. They just need some guidance and some support – someone to say, “You can do this.” That’s how it was with Mary. Cigna looks at the whole person, not just one facet of their health condition. I referred Mary to the Employee Assistance Program for counseling services. We also referred her to our Lifestyle Management Program to help her lose weight. In addition, we really needed to look at her workstation, so I made a referral to a vocational rehab counselor, Adrian Jenkins.

I can’t tell you how happy I am for Mary. She made important changes to improve her health and maintain her focus at work. I’m very passionate about the differences we can make in people’s lives.



GO GLOBAL GO GLOBAL is about maximizing Cigna’s capabilities in new geographies and further supporting a globally mobile population

GLOBAL EXPANSION Cigna’s joint venture with TTK in India continues Cigna’s expansion into emerging markets worldwide Soon, when shoppers in India buy a pressure cooker or kitchen appliance, they also may end up buying a health plan. Or, they might pick up health insurance from a neighborhood pharmacy, or learn about health coverage from their doctor. This easy access to private health plans in India is being made possible by the formation of CignaTTK Health Insurance Company, a unique joint venture between Cigna Corporation and TTK Group, a consumer products household name in India. The 80-year-old TTK conglomerate, whose brand stands for Trust, Transparency and Knowledge, sells consumer durable goods, pharmaceuticals, biomedical devices and health care services. TTK reaches a vast majority of Indian households – on average, a TTK product is sold every five seconds. The new joint venture combines Cigna’s proven track record in international markets with TTK’s vast distribution network and represents a powerful force in creating a new and innovative approach to improving health and well-being in India. Currently undergoing regulatory approval, we expect the operation to open its doors in 2013. CignaTTK plans to set up a distribution network through which simple health insurance products can be sold at any TTK store or over the counter through a network of more than 100,000 pharmacies and physicians. Cigna saw a growing need in India. With 1.2 billion people – one-sixth of the world’s total population – India has the world’s largest diabetes population and accounts for 60 percent of the world’s heart disease. As consumer income increases, health care spending is expected to grow significantly over the next decade – giving rise to interest in the health and wellness programs that Cigna offers to help customers make lifestyle changes and manage chronic medical conditions. CignaTTK will be headquartered in Mumbai. Initial product offerings are planned to include individual private medical insurance, supplemental health and accident products, and health benefits for India-based multinational employers to cover their globally mobile workforce.

PROVIDING CLEAN WATER FOR INDIA Thirty-eight million people in India get sick every year from waterborne diseases, making clean water one of the most important health priorities in India. As part of Cigna’s commitment to India, the Cigna Foundation donated $25,000 to Water for People for clean water projects in West Bengal – bringing Cigna’s total contribution to nearly $200,000 since 2008.


WITH TURKEY, CIGNA NOW HAS SALES CAPABILITIES IN 30 COUNTRIES With the 2011 launch of Cigna Hayat Sigorta in Turkey, Cigna expanded its sales capabilities to 30 countries and jurisdictions. Based in Istanbul, Cigna’s Turkish operation offers an initial portfolio of health, life and accident products, designed to meet the evolving needs of Turkey’s consumers in a way that goes well beyond traditional government offerings. Cigna is reaching consumers through direct-response television campaigns promoting life insurance for adults 55 and above, online sales of personal accident policies, and inventive efforts to educate Turkey’s people about the value of private insurance.

Cigna continues to focus on entering or growing in countries where the rising middle-class wants access to quicker and better health care. The mass market in China and India alone is expected to grow from 150 million to 900 million in the next 20 years. This growth is a long-term market opportunity that will be three times the size of the total U.S. market.



In 2003, Cigna formed its joint venture in China with China Merchants Bank to sell individual health, life and accident products. In the nine years that have followed, this successful operation – Cigna & CMC Life Insurance Co. – has consistently generated strong business results.

Cigna’s 2011 acquisition of FirstAssist Insurance Services positions us to grow our individual business in the United Kingdom and around the world with the addition of travel insurance products. FirstAssist, with nearly three million policy holders in the UK, protects customers and their families against unexpected events through travel, health, employment and legal-related insurance products. With travel up in Europe and Asia, Cigna sees a significant opportunity to expand this business on a worldwide scale.

In 2009, the joint venture unveiled a comprehensive health plan for employers in China. Last year, Cigna & CMC embarked on the next phase of an ambitious growth strategy for China as the company introduced individual private medical policies in Shanghai. The joint venture was also granted its 10th license in China, enabling the opening of a sales and marketing operation in Liaoning province. The joint venture is poised to build substantially on its nearly one million policy holders in the country. In fact, Cigna’s marketing efforts, including direct-response TV and internet channels, could now reach a potential audience of more than a third of all Chinese consumers – approximately 540 million people – a number that reflects enormous growth potential for the company.



GO DEEP GO DEEP is about expanding and further strengthening Cigna’s leadership in existing geographies, customer segments and product lines

HEALTHSPRING Enhancing Cigna’s Service to Seniors



The world’s population is turning gray. The global population of people aged 60 and older will more than double in the next 40 years, to about two billion people. In the United States alone, the number of those aged 65 and older will increase by about 80 percent by 2030. Cigna greatly strengthened its foothold in the rapidly growing Seniors and Medicare segments by entering into an agreement to acquire HealthSpring, one of the largest and most-trusted Medicare Advantage coordinated care plans in the United States. HealthSpring positions Cigna to serve the needs of the millions of baby boomers who will become eligible for Medicare over the next 20 years. HealthSpring’s health service delivery and physician partnership model play perfectly to the strengths of Cigna’s fast-growing Accountable Care Organizations, with the shared goal of improved quality, lower cost and better coordination of care. Adding HealthSpring to the Cigna family represents the largest single acquisition – at a price of approximately $3.8 billion – in Cigna history. With 340,000 Medicare Advantage members in 11 states and Washington, D.C., as well as a stand-alone Medicare prescription drug business serving more than 800,000 customers, HealthSpring adds more than one million individuals to Cigna’s customer base and deepens the company’s ability to serve customers through every stage of their lives.

ON LINE, ON TARGET Cigna knows that insurance is complex enough – the last thing our customers want is to be confused when they visit our website. In 2011, we re-designed our website,, to make it easier for our customers to find doctors, review their claim activity and check their coverage. We also upgraded the site with user-friendly tools to help our customers improve their health by performing personalized health assessments, maintaining personal health records on line, and getting advice on how they can enhance the quality of their health care while controlling costs.


CIGNA IN PERSPECTIVE CIGNA HEALTHCARE Medical 92% Dental 7% Life & Other 1% Premiums and Fees (in millions) $ 13,181

CIGNA GROUP DISABILITY AND LIFE Life 45% Disability 46% Accident & Other 9% Premiums and Fees (in millions) $ 2,780

CIGNA INTERNATIONAL Health Care 49% Health, Life and Accident 51% Premiums and Fees (in millions) $ 2,990

Year Ended December 31, 2011

Cigna offers health benefits and services for employer-sponsored plans, and for individuals and families. We provide innovative programs and services that focus on the individual needs of those we serve, while improving their health and lowering medical costs. Cigna recognizes the unique strengths of our customers and empowers them to become active participants in pursuing better health, so they can reach their full potential. Products and Services

 Medical: wide spectrum of insured and self-insured medical plan options including Customer-Directed Health Plans (compatible with Health Reimbursement Accounts, Health Savings Accounts and Flexible Spending Accounts); Health Maintenance Organization (HMO), Network, Point of Service, Open Access Plus, Preferred Provider Organization (PPO), Individual and Voluntary plans; Stop Loss coverage; and Shared Administrative Services  Pharmacy: tiered coverage designs with a range of plans; and mail-order, online and retail pharmacy  Dental: DHMO, DPPO, DEPO, indemnity and blended plans; and a dental discount program

 Vision: PPO, indemnity and managed care plans  Behavioral: mental health, behavior modification, substance abuse, and work/life and employee and individual assistance programs  Seniors: Medical Advantage and Supplement plans, as well as Individual and group Medicare Part D plans  Care Management: health coaching, disease and condition management, and lifestyle management programs  Onsite Health: onsite health clinics and health advocates at employer locations


Cigna is one of the top providers of group disability, life and accident coverage in the United States. Cigna offers a variety of programs and services to help employees stay healthy and on the job. When a disability does occur, Cigna delivers thorough, fast, efficient claim service and effective support programs that help employees return to work quickly and safely. Cigna’s disability programs are designed to help improve employee productivity and lower employers’ overall absence costs.

Products and Services

Cigna’s disability programs can also be integrated with family medical and leave-of-absence administration, and Cigna’s medical, behavioral, pharmacy and health advocacy programs. Cigna’s research has shown that integrating disability and health programs can further improve return-to-work rates and lower medical and disability costs. All group products are coupled with comprehensive tools and services for easy benefit management. These products also come with access to free will preparation, estate and funeral planning tools, identity theft resolution services and Cigna’s Healthy Rewards® program, which offers a variety of discounts on health and wellness products and services.

 Comprehensive employee assistance programs available with disability and life products to help people balance work/life and stay productive

 Wide spectrum of insured and self-insured short- and long-term disability plans and management services including comprehensive clinical management and support, stay-at-work and return-to-work support  Family medical and leave-of-absence management  Integration of disability services with Cigna’s medical and health advocacy programs

 Group basic term life insurance, group voluntary term life insurance and group universal life insurance with will preparation, estate and funeral planning as well as beneficiary services  Group basic accidental death and dismemberment (AD&D) insurance, group voluntary AD&D insurance, business travel accident insurance and business travel accident with medical coverage; these products include travel assistance, identity theft and beneficiary services  Flexible voluntary enrollment and administrative solutions for Cigna’s disability, life and accident products; customized educational tools, personalized communications, online enrollment, and access to licensed benefits professionals to help employees enroll

Cigna International, with operations in countries across Asia-Pacific, Europe, Middle East and North America, provides access to quality health care and related financial protection products to groups and individuals around the globe. To individuals, the organization provides direct-marketed supplemental health, life and accident insurance and private medical insurance products and programs in key markets around the world. For employer groups, Cigna International offers health care and medical care management services to cover local employees in key countries and globally mobile (expatriate) employees on international assignments virtually anywhere in the world.

Products and Services

 Health, Life, and Accident Insurance: direct-marketed supplemental health products, such as cash for hospital stays and critical illness diagnosis; dental; personal accident; travel, term and variable life insurance; and credit protection  Global Health Benefits: medical, dental, behavioral, vision, pharmacy, personal accident, disability, business travel and life insurance, as well as wellness programs for globally mobile employees  Health Care: medical and related products provided through employer group benefits programs in select countries  Individual Private Medical Insurance: ranging from surgery, hospital and outpatient coverage for local citizens to full comprehensive medical coverage for local and globally mobile individuals





DAVID M. CORDANI President, Chief Executive Officer and Director Cigna Corporation

LINDSAY K. BLACKWOOD Corporate Secretary Cigna Corporation

MARK L. BOXER Executive Vice President and Chief Information Officer Cigna Corporation DAVID D. GUILMETTE President National, Pharmacy and Products

TIMOTHY D. BUCKLEY Vice President and Treasurer Cigna Corporation MARY T. HOELTZEL Vice President and Chief Accounting Officer Cigna Corporation

NICOLE S. JONES Executive Vice President and General Counsel Cigna Corporation MATTHEW G. MANDERS President U.S. Service Regional and Operations JOHN M. MURABITO Executive Vice President Human Resources and Services Cigna Corporation RALPH J. NICOLETTI Executive Vice President and Chief Financial Officer Cigna Corporation

Cigna’s Identity Theft services are provided under a contract with Europ Assistance USA. Cigna group business travel services are provided under a contract with Worldwide Assistance Services, Inc. and are available with Cigna group and blanket accident insurance coverage. Will preparation, estate, and funeral planning services are independently administered by ARAG® and are available with Cigna group life, accident and disability insurance coverage; Cigna does not provide legal services and makes no representations or warranties as to the quality of the information on the ARAG website, the services of ARAG or of any attorney in the ARAG network. “Cigna,” “Cigna International” and “Healthy Rewards” are registered service marks, and the “Tree of Life” logo and “GO YOU” are service marks, of Cigna Intellectual Property, Inc., licensed for use by Cigna Corporation and its operating subsidiaries. All products and services are provided by or through such operating subsidiaries and not by Cigna Corporation. Such operating subsidiaries include Connecticut General Life Insurance Company (CGLIC), Cigna Health and Life Insurance Company (CHLIC), Life Insurance Company of North America, Cigna Life Insurance Company of New York, HealthSpring, Inc., Cigna Worldwide Insurance Company, Cigna & CMC Life Insurance Company Limited, Cigna Behavioral Health, Inc., Cigna Health Management, Inc., Cigna Onsite Health, LLC, Tel-Drug, Inc., Tel-Drug of Pennsylvania, LLC, Cigna Dental Health, Inc. and its DHMO subsidiaries, and HMO or service company subsidiaries of Cigna Health Corporation and their affiliates. In Arizona, HMO plans are offered by Cigna HealthCare of Arizona, Inc. In California, HMO and Network plans are offered by Cigna HealthCare of California, Inc. In Connecticut, HMO plans are offered by Cigna HealthCare of Connecticut, Inc. In North Carolina, HMO plans are offered by Cigna HealthCare of North Carolina, Inc. All other medical plans in these states are insured or administered by CGLIC or CHLIC. In Texas, Open Access Plus plans are considered Preferred Provider plans with certain managed care features; Health Savings plans are considered Preferred Provider plans with certain managed care features and are compatible with Health Savings Accounts. In Arizona and Louisiana, Dental PPO plans insured by CGLIC are referred to as the CG Dental PPO. In Texas, the insured dental product is referred to as the Cigna Dental Choice Plan. The term “DHMO” is used to refer to product designs that may differ by state of residence of enrollee, including but not limited to, prepaid plans, managed care plans, and plans with open access features. Product availability varies by plan type and state. All models are used for illustrative purposes only. © 2012 Cigna. Some content provided under license.



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Cigna Facts - Center Care

HELPING YOU BE YOU. CIGNA FACTS CIGNA AT A GLANCE (As of December 31, 2011 unless otherwise noted) Cigna’s continued success around the world is dr...

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