CIGNA 10K PDF

Washington, D. FORM K. Mark One. For the fiscal year ended December 31, Commission file number Exact name of registrant as specified in its charter.

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Washington, D. FORM K. Mark One. For the fiscal year ended December 31, Commission file number Exact name of registrant as specified in its charter. State or other jurisdiction of. Identification No. Two Liberty Place, Philadelphia, Pennsylvania. Address of principal executive offices.

Zip Code. Securities registered pursuant to section 12 b of the Act :. Name of each exchange on. Title of each class. New York Stock Exchange, Inc. Preferred Stock. Purchase Rights. Securities registered pursuant to section 12 g of the Act:. Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule of the Securities Act.

Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15 d of the Act. Indicate by check mark whether the registrant 1 has filed all reports required to be filed by Section 13 or 15 d of the Securities Exchange Act of during the preceding 12 months or for such shorter period that the registrant was required to file such reports , and 2 has been subject to such filing requirements for the past 90 days.

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, or a non-accelerated filer. Indicate by check mark whether the registrant is a shell company as defined in Rule 12b-2 of the Exchange Act. PART I. Item 1. Description of Business. Financial Information about Industry Segments. Health Care. Other Operations. Investments and Investment Income.

Run-off Retirement. Run-off Reinsurance. Item 1A. Risk Factors. Item 1B. Unresolved Staff Comments. Item 2. Item 3. Legal Proceedings. Item 4. Submission of Matters to a Vote of Security Holders. Executive Officers of the Registrant. Item 5. Purchases of Equity Securities. Item 6. Selected Financial Data. Item 7. Item 7A. Quantitative and Qualitative Disclosures about Market Risk.

Item 8. Financial Statements and Supplementary Data. Item 9. Item 9A. Controls and Procedures. Item 9B. Other Information. Item Directors and Executive Officers of the Registrant. Directors of the Registrant.

Executive Compensation. Related Stockholder Matters. Certain Relationships and Related Transactions. Principal Accounting Fees and Services. Exhibits and Financial Statement Schedules. Index to Financial Statement Schedules. Index to Exhibits. CIGNA Corporation and its subsidiaries constitute one of the largest investor-owned health care and related benefits organizations in the United States.

Its subsidiaries conduct various businesses, which are described in this Form K. Disability and Life. Available Information. Industry rankings and percentages set forth below are for the year ended December 31, , unless otherwise indicated.

These operations also provide disability and life insurance products which were historically sold in connection with certain experience-rated medical products. Industry and Strategic Overview. CIGNA believes that the health care business model is evolving to one that focuses more directly on the role of the health care consumer.

Engaging consumers more closely in health care decisions can result in improved health care outcomes and remove unnecessary costs from the system. Consumerism represents a transition from a cost-based business model to a value-based model.

Using this model, CIGNA seeks to provide actionable information about provider quality and cost, customer support tools and services, and health advocacy support, to assist consumers in making more informed choices regarding their health care and in achieving better health outcomes.

CIGNA has developed products, educational resources and customer support tools for consumers and capabilities to provide information to employers about the health needs of their plan participants.

CIGNA believes that its capabilities in consumerism, health advocacy and providing useful information to consumers, employers, and providers positions the Company to meet the emerging market need.

CIGNA continually evaluates potential acquisitions and other transactions that present opportunities to enhance its product capabilities and provide a basis for lower medical costs. Products and Services. Virgin Islands and Canada.

CareAllies SM offers a consistent set of services to address the clinical and administrative inconsistencies that are inherent in the multi-vendor approach. As part of its commitment to help members anticipate and manage their health care costs and to address provider debt concerns, CIGNA will pilot a new payment process in limited locations in CIGNA strengthened its presence in the voluntary benefits marketplace with the acquisition of the Star HRG SM voluntary health insurance business and the creation of the Fundamental Care SM product offering for companies with 51 or more eligible employees.

This product is designed to be more affordable than traditional major medical coverage. Fundamental Care SM meets the need for a voluntary medical product for the working uninsured that provides higher coverage levels than limited benefit plans. CIGNA is also developing technology tools to assist employers in choosing product designs to achieve better health outcomes for their plan participants.

Consumer-Directed Health Plans. The HRA combines flexible benefit plan designs and the ability of employers to allow roll over reimbursement accounts from year to year with enhanced decision support tools and consumer incentive programs.

The HSA combines a high deductible payment feature for the health plan with a tax-preferred account offering mutual fund investment options.

Funds in the HSA can be used to pay the deductible and for other eligible tax-deductible medical expenses. Additionally, CIGNA expanded the availability of its HRA plans to businesses with employees in eight additional states, so that these plans are now available to small businesses in a total of 30 states. HMOs are required by law to provide coverage for all basic health services.

They use various tools to facilitate the appropriate use of health care services by members and providers and control unit costs through provider contracts. Members may be required to obtain referrals from their primary care physicians to receive covered non-emergency services from. CIGNA also offers an open access HMO product that allows members to obtain covered services without the requirement of a referral from the primary care physician.

Currently, many contracted providers are compensated by CIGNA on a discounted fee-for-service or other service-specific basis such as hospital per diems or case rates for covered health care services provided to members. Certain contracted providers agree to provide covered services in consideration for receiving a monthly predetermined fee capitation from CIGNA.

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Annual Reports and Proxy Statements

Securities registered pursuant to section 12 b of the Act :. Securities registered pursuant to section 12 g of the Act: None. Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15 d of the Act. Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or a smaller reporting company. Financial Information about Business Segments.

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Cigna Quarterly Reports and SEC Filings

View differences made from one year to another to evaluate Cigna Holding Co's financial trajectory. We provide 5 of these remarks for FREE. To see all the remarks without having to find them in the K Annual Report, become a member of Last10K. Corporate reflects amounts not allocated to operating segments, including net interest expense defined as interest on corporate debt less net investment income on investments not supporting segment operations, interest on uncertain tax positions, certain litigation matters, intersegment eliminations, compensation cost for stock options and related excess tax benefits, expense associated with our frozen pension plans and certain overhead and project costs.

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