The statements, estimates, projections, guidance or outlook contained in these materials include “forward-looking” statements which are intended to take advantage of the “safe harbor” provisions of the federal securities law. The words “believe,” “expect,” “intend,” “estimate,” “anticipate,” “forecast,” “outlook,” “plan,” “project,” “should” and similar expressions identify forward-looking statements. These statements may contain information about financial prospects, economic conditions and trends and involve risks and uncertainties. Actual results could differ materially from those that management expects, depending on the outcome of certain factors including: our ability to effectively estimate, price for and manage medical costs; new or changes in existing health care laws or regulations, or their enforcement or application; reductions in revenue or delays to cash flows received under government programs; changes in Medicare, the CMS star ratings program or the application of risk adjustment data validation audits; the DOJ’s legal action relating to the risk adjustment submission matter; our ability to maintain and achieve improvement in quality scores impacting revenue; failure to maintain effective and efficient information systems or if our technology products do not operate as intended; cyberattacks, other privacy/data security incidents, or our failure to comply with related regulations; risks and uncertainties associated with our businesses providing pharmacy care services; competitive pressures, including our ability to maintain or increase our market share; changes in or challenges to our public sector contract awards; failure to achieve targeted operating cost productivity improvements; failure to develop and maintain satisfactory relationships with health care payers, physicians, hospitals and other service providers; the impact of potential changes in tax laws and regulations; increases in costs and other liabilities associated with litigation, government investigations, audits or reviews; failure to complete, manage or integrate strategic transactions; risks associated with public health crises arising from large-scale medical emergencies, pandemics, natural disasters and other extreme events; failure to attract, develop, retain, and manage the succession of key employees and executives; our investment portfolio performance; impairment of our goodwill and intangible assets; failure to protect proprietary rights to our databases, software and related products; downgrades in our credit ratings; and our ability to obtain sufficient funds from our regulated subsidiaries or from external financings to fund our obligations, maintain our debt to total capital ratio at targeted levels, maintain our quarterly dividend payment cycle, or continue repurchasing shares of our common stock. This above list is not exhaustive. We discuss these matters, and certain risks that may affect our business operations, financial condition and results of operations, more fully in our filings with the SEC, including our reports on Forms 10-K, 10-Q and 8-K. By their nature, forward-looking statements are not guarantees of future performance or results and are subject to risks, uncertainties and assumptions that are difficult to predict or quantify. Actual results may vary materially from expectations expressed or implied in this document or any of our prior communications. You should not place undue reliance on forward-looking statements, which speak only as of the date they are made. We do not undertake to update or revise any forward-looking statements, except as required by law.
Non-GAAP Financial InformationOur Investor Conference materials and the related presentations contain non-GAAP financial information provided as a complement to the results provided in accordance with accounting principles generally accepted in the United States of America (“GAAP”). A reconciliation of the non-GAAP financial information to the most directly comparable GAAP financial measure is available in the “Investor Relations” section of our website at www.unitedhealthgroup.com.
At UnitedHealth Group’s annual Investor Conference, we share how we are powering our strategic growth areas to deliver on our mission — to help people live healthier lives and help make the health system work better for everyone. A downloadable investor book, including business overviews and highlights for UnitedHealth Group, Optum and UnitedHealthcare, is available below in the Materials section.
Our aspiration is to become America’s leading consumer health care destination; a lifetime partner for their health and well-being, offering the products, services, solutions and experiences that make high-quality care not only affordable and accessible, but as easy and convenient as everything else in their lives.
- Andrew Witty, Chief Executive Officer
Optum combines clinical expertise, technology and data to empower people, partners and providers with the information, tools and assistance they need to achieve better health.
Optum Health engages people in managing their health and well-being in-person, in-home and virtually, and empowers care teams with the latest information and insights to help them efficiently coordinate patient care.
Optum Rx integrates pharmacy, medical and behavioral care through its full spectrum of pharmacy services and benefits to give consumers affordable access to prescription medications and therapies.
UnitedHealthcare offers a full range of health benefits, enabling affordable coverage, simplifying the health care experience and delivering access to high-quality care.
UnitedHealthcare Employer & Individual
UnitedHealthcare Employer & Individual offers a comprehensive array of health benefit plans and services across the U.S. for individuals and employers of all scale and type, as well as international plans and services.
UnitedHealthcare Community & State
UnitedHealthcare Community & State offers diversified health care benefit products and services that provide care for the economically disadvantaged, the medically underserved and those without employer-funded health care coverage.