UnitedHealth Investor Relations Material

UnitedHealth Group is an American healthcare company that operates through two primary divisions: UnitedHealthcare and Optum. UnitedHealthcare offers healthcare coverage and benefits services, while Optum provides information and technology-enabled health services. The company delivers a broad spectrum of healthcare products and services to its customers, encompassing health coverage, Medicare plans, short-term health insurance, Medicaid plans, health management, and global health solutions. It is headquartered in Minnetonka, Minnesota, and its shares are listed on the NYSE.

The UnitedHealthcare segment of UnitedHealth Group is primarily focused on health insurance services. It offers a wide range of health benefit programs for individuals, employers, and Medicare and Medicaid beneficiaries. The company provides access to healthcare services through its extensive network of healthcare providers, offering various insurance products that include but are not limited to, health maintenance organization, preferred provider organization, and point-of-service plans. The company is one of the largest providers of health insurance in the country and also offers coverage to customers outside of the US. Some similar companies traded on the public markets include Cigna and Humana.

The Optum segment of the company operates as a health services and innovation company, complementing the health insurance offerings of UnitedHealthcare by providing a broad spectrum of services and solutions. Optum is organized into three main divisions: OptumHealth, OptumInsight, and OptumRx, each focusing on different aspects of healthcare and technology.

• OptumHealth: This division offers health management services, care delivery, and wellness programs. It provides personalized and scalable health and wellness solutions, including physical health, mental health, complex care management, and financial services to individuals and employers. It also operates an extensive network of care providers, offering primary care, urgent care, and specialty services.

• OptumInsight: OptumInsight provides data, analytics, research, consulting, technology, and managed services solutions to hospitals, physicians, health plans, governments, and life sciences companies. The focus is on improving operational efficiency, reducing costs, and enhancing the quality of care.