UnitedHealth Group Reports First Quarter Results

  UnitedHealth Group Reports First Quarter Results

  *Quarterly Revenues Exceeded $30 Billion, Increasing 11% Year-Over-Year
  *Optum Revenues of $8.4 Billion Grew 15%; Optum Operating Earnings Grew 96%
    Year-Over-Year
  *UnitedHealthcare Grew to Serve 1.1 Million More People in the First
    Quarter
  *TRICARE Contract Implemented April 1, 2013, Adding 2.9 Million Military
    Market Beneficiaries

Business Wire

MINNETONKA, Minn. -- April 18, 2013

UnitedHealth Group (NYSE: UNH) today reported first quarter results,
highlighted by strong enrollment growth in each of UnitedHealthcare’s benefits
businesses combined with well-diversified revenue growth and broad-based
margin expansion at Optum. First quarter 2013 net earnings were $1.16 per
common share. Overall results, led by Optum’s performance, were strong across
the enterprise, with year-over-year reimbursement and seasonal margin pressure
in UnitedHealthcare’s Medicare Advantage and Part D prescription drug plan
product lines, as expected. Two of this year’s early highlights have been
UnitedHealthcare’s implementation of the new TRICARE military health care
award beginning April 1 and the successful movement of the first 3 million new
and migrating UnitedHealthcare commercial consumers to pharmacy benefit
manager OptumRx.

Stephen J. Hemsley, president and chief executive officer of UnitedHealth
Group, said, “This quarter provided a solid start to 2013 across our
diversified health care businesses. UnitedHealthcare is achieving
market-leading growth in health benefits, now including Amil and TRICARE, and
is positioned to achieve one of its strongest-ever growth years. Looking
forward, innovation and continuing discipline in advancing consistent care
quality and medical and operating cost management will be critical to
fulfilling the market’s demands for greater health care value, as the
pressures of reform and chronic under-reimbursement continue in federal
programs serving seniors and individuals and families with lower incomes. At
the same time, Optum is seeing accelerating growth and momentum as payers,
care providers and other benefit sponsors respond to market pressures for
lower costs, higher quality, greater transparency and increased productivity
across our national health care system.”

The first quarter revenue growth rate of 11 percent included the conversion of
one very large public sector customer from risk-based to fee-based benefits.
This conversion was not in the Company’s previous 2013 revenue outlook of $123
billion to $124 billion and will reduce annual revenues by $2.5 billion. The
conversion was partially offset by higher-than-expected overall business
growth, and UnitedHealth Group now forecasts 2013 revenues will approximate
$122 billion, an increase of 10 percent over 2012 results. Although the April
1 sequestration cuts were not included in previous projections, the Company
continues to forecast 2013 net earnings in the range of $5.25 to $5.50 per
common share, recognizing sequestration pressures the top end of that range.


Quarterly Financial Performance

                          Three Months Ended
                           March 31,      March 31,      December 31,
                           2013            2012            2012
Revenues                   $30.3 billion   $27.3 billion   $28.8 billion
Earnings From Operations   $2.1 billion    $2.3 billion    $2.1 billion
Net Margin                4.1%           5.1%           4.3%
                                                           

  *UnitedHealth Group’s consolidated first quarter 2013 revenues of $30.3
    billion increased $3.1 billion year-over-year, lifting the revenue growth
    rate to 11.2 percent from 8.6 percent for full year 2012. Broad-based
    organic growth and business expansion in both health care benefits and
    health care services continue to drive revenue acceleration and
    diversification.
  *First quarter earnings from operations were $2.1 billion and net earnings
    were $1.2 billion or $1.16 per common share, compared to net earnings of
    $1.4 billion and $1.31 per share in first quarter 2012, as first quarter
    2012 net earnings were aided by strong reserve development and a favorable
    rebate true-up. As expected, the consolidated medical care ratio increased
    in the first quarter of 2013, rising 170 basis points year-over-year to
    82.7 percent principally due to these items, which reduced earnings from
    operations by approximately $400 million and net earnings by approximately
    $0.25 per share on a year-over-year basis.
  *First quarter 2013 reserve development was $280 million compared to $530
    million for the first quarter of 2012.
  *The year-over-year increase in the first quarter operating cost ratio of
    15.2 percent was contained to 20 basis points, despite a strongly higher
    mix of services business and the addition of Amil, underscoring the
    effectiveness of the Company’s ongoing cost management efforts.
  *The first quarter 2013 cash flows from operations of $1.1 billion were in
    line with first quarter 2012 adjusted cash flows from operations of $1.1
    billion^1. The ratio of operating cash flow to net earnings improved to 85
    percent in first quarter 2013 from 76 percent in the first quarter of
    2012. Management continues to expect cash flows from operations to exceed
    130 percent of net earnings on a full year basis.
  *The first quarter income tax rate of 36.8 percent increased 80 basis
    points year-over-year, directly due to Affordable Care Act provisions.

  *First quarter days sales outstanding in accounts receivable of 9.5 days
    and days claims payable of 47 days were stable year-over-year.
  *UnitedHealth Group’s March 31, 2013 debt to debt-plus-equity ratio was 36
    percent. In the first quarter the Company issued $2.25 billion in debt,
    with a range of maturities and an average yield of 2.8 percent.
  *UnitedHealth Group repurchased nearly 10 million shares for $543 million
    in the first quarter and paid $216 million in dividends to shareholders,
    an increase of 29 percent year-over-year. The Company ended the quarter
    with $3.0 billion in cash available for general corporate use, with $1.5
    billion earmarked for the projected second quarter completion of the Amil
    public equity and debt transactions.

^1 Adjusted numbers are non-GAAP financial measures. GAAP cash flows from
operations of $3.6 billion for the first quarter of 2012 included a $2.5
billion monthly premium payment from the Centers for Medicare and Medicaid
Services (CMS) that was received early. Cash flows from operations have been
adjusted to report CMS payments in the quarter to which they relate.

UnitedHealthcare provides network-based health care benefits for a full
spectrum of customers in the health benefits market. UnitedHealthcare serves
employers ranging from sole proprietorships to large, multi-site and national
and international organizations, as well as students and individuals; delivers
health and well-being benefits to Medicare beneficiaries and retirees; manages
health care benefit programs on behalf of state Medicaid and community
programs and their participants and serves the nation’s active and retired
military and their families through the TRICARE program.


Quarterly Financial Performance

                          Three Months Ended
                           March 31,      March 31,      December 31,
                           2013            2012            2012
Revenues                   $28.3 billion   $25.5 billion   $26.9 billion
Earnings From Operations   $1.6 billion    $2.1 billion    $1.6 billion
Operating Margin          5.8%           8.1%           6.1%
                                                           

  *UnitedHealthcare’s first quarter 2013 revenues of $28.3 billion increased
    $2.7 billion or 11 percent year-over-year. Revenue growth was driven by a
    year-over-year increase of 6.4 million consumers with medical benefits,
    including 1.8 million domestically. First quarter growth of 1.1 million
    people was balanced and diversified, with just over half of the increase
    in commercial markets, including Amil, and the remainder in the public and
    senior markets. An additional one-half million more seniors purchased
    stand-alone pharmaceutical benefits under Part D prescription drug plans
    in the quarter.
  *Earnings from operations for UnitedHealthcare for first quarter 2013 were
    $1.6 billion and the operating margin was 5.8 percent. As expected,
    operating earnings and margins decreased year-over-year, as first quarter
    2012 benefitted from the exceptionally favorable items previously
    mentioned.

UnitedHealthcare Employer & Individual

  *Consumers served by UnitedHealthcare Employer & Individual grew by 855,000
    people over the past year, including 375,000 people in first quarter 2013,
    ahead of management’s expectations for both risk-based and fee-based
    offerings.
  *UnitedHealthcare Employer & Individual first quarter revenues of $11.1
    billion decreased $557 million year-over-year due to the customer funding
    conversion, which represented more than $600 million in quarterly premium
    revenue in 2012.
  *Reflecting market demands for choice and affordability, 5.6 million
    consumers now participate in UnitedHealthcare’s consumer-directed health
    care products, an increase of 860,000 consumers or 18 percent
    year-over-year.
  *UnitedHealthcare’s commercial medical care ratio improved 40 basis points
    year-over-year to 78.3 percent in the first quarter, including the effect
    of the customer funding conversion.

UnitedHealthcare Medicare & Retirement

  *First quarter Medicare & Retirement revenues of $11.2 billion grew $1.3
    billion or 13 percent year-over-year.

       *UnitedHealthcare grew in service to Medicare Advantage beneficiaries
         by 445,000 people in the past year, an 18 percent increase, including
         growth of 300,000 seniors in the first quarter.
       *Medicare Supplement growth continued at a robust pace, with the
         number of people served increasing by 285,000 or 9 percent in the
         past year, including 145,000 people in the first quarter of 2013.
       *UnitedHealthcare’s successful positioning of its stand-alone Medicare
         Part D drug plans to serve both the low-income and open markets drove
         strong growth of 485,000 people in the first quarter. This growth
         benefitted UnitedHealthcare and its pharmacy benefit management
         partner, OptumRx.

UnitedHealthcare Community & State

  *First quarter Community & State revenues of $4.4 billion increased $498
    million or 13 percent year-over-year. The Company expanded Medicaid
    services to an additional 65,000 people in the first quarter, despite the
    sale of the South Carolina Medicaid business. The past year’s net growth
    of 230,000 people included overall growth of 465,000 people, offset by the
    South Carolina sale and the fourth quarter 2012 withdrawal from an
    offering in one county in Wisconsin. Recent awards in Arizona, Florida,
    Nevada and New Mexico are expected to add more than 100,000 people to
    these growth results over the coming year.

UnitedHealthcare International

  *UnitedHealthcare International first quarter 2013 revenues of $1.6 billion
    included the first full quarter from Amil as well as revenues from the
    remaining UnitedHealthcare International businesses. UnitedHealthcare
    International performed well financially in the quarter and contributed
    strong consumer growth of 205,000 people in the quarter.

Optum is a health services business serving the broad health care marketplace,
including payers, care providers, employers, government, life sciences
companies and consumers. Using advanced data, analytics and technology, Optum
helps improve overall health system performance: optimizing care quality,
reducing costs and improving the consumer experience and care provider
performance.


Quarterly Financial Performance

                          Three Months Ended
                           March 31,     March 31,     December 31,
                           2013           2012           2012
Total Revenues             $8.4 billion   $7.3 billion   $7.5 billion
Earnings From Operations   $495 million   $252 million   $459 million
Operating Margin          5.9%          3.4%          6.1%
                                                         

  *Total Optum revenues of $8.4 billion for the first quarter of 2013 grew
    $1.1 billion or 15 percent year-over-year, led by broad-based organic
    growth across its services portfolio, including pharmacy growth from both
    serving new clients, representing nearly 1 million consumers, and the
    insourcing of UnitedHealthcare commercial customers. Revenues from each
    reported service category increased by double digit percentages
    year-over-year.

       *OptumHealth first quarter 2013 revenues of $2.4 billion grew $503
         million or 26 percent year-over-year, driven by expansion of clinical
         services and organic growth.
       *OptumInsight first quarter revenues of $773 million grew $102 million
         or 15 percent year-over-year, led by expansion in government services
         and provider compliance offerings. OptumInsight’s revenue backlog
         grew 12 percent year-over-year to $4.6 billion.
       *OptumRx first quarter revenues of $5.2 billion grew $475 million or
         10 percent year-over-year. First quarter revenues reflected expanded
         services for UnitedHealthcare and strong external client growth.
         Script volumes increased 15 percent year-over-year in the first
         quarter and are expected to continue to accelerate, reaching an
         annual run rate of one-half billion adjusted scripts by year end.

  *Optum’s first quarter earnings from operations of $495 million increased
    $243 million or 96 percent year-over-year and the operating margin of 5.9
    percent expanded sharply from 3.4 percent in the first quarter of 2012.
    These results reflect continued progress on Optum’s plan to accelerate
    growth and improve margins and productivity by strengthening integration
    and business alignment.

       *OptumHealth first quarter 2013 earnings from operations of $226
         million grew by $134 million year-over-year due to overall topline
         growth and productivity gains, which advanced operating margins to
         9.3 percent.
       *OptumInsight’s first quarter 2013 earnings from operations of $149
         million increased $60 million or 67 percent year-over-year. The 6
         percentage point improvement in first quarter operating margin to
         19.3 percent was driven by topline revenue growth and continuing
         improvements in business alignment and efficiency.
       *Strong growth, pricing disciplines and further improvements in
         generic mix drove a 69 percent increase in OptumRx earnings from
         operations to $120 million, up $49 million year-over-year.

About UnitedHealth Group

UnitedHealth Group (NYSE: UNH) is a diversified health and well-being company
dedicated to helping people live healthier lives and making health care work
better. With headquarters in Minnetonka, Minn., UnitedHealth Group offers a
broad spectrum of products and services through two distinct platforms:
UnitedHealthcare, which provides health care coverage and benefits services;
and Optum, which provides information and technology-enabled health services.
Through its businesses, UnitedHealth Group serves more than 85 million people
worldwide. For more information, visit UnitedHealth Group at
www.unitedhealthgroup.com.

Earnings Conference Call

As previously announced, UnitedHealth Group will discuss the Company’s
results, strategy and future outlook on a conference call with investors at
8:45 a.m. Eastern time today. UnitedHealth Group will host a live webcast of
this conference call from the Investors page of the Company’s website
(www.unitedhealthgroup.com). The webcast replay of the call will be available
on the same site through May 2, 2013, following the live call. The conference
call replay can also be accessed by dialing 1-800-839-2492. This earnings
release and the Form 8-K dated April 18, 2013 may also be accessed from the
Investors page of the Company’s website.

Forward-Looking Statements

The statements, estimates, projections, guidance or outlook contained in this
press release include “forward-looking” statements within the meaning of the
Private Securities Litigation Reform Act of 1995 (PSLRA). These statements are
intended to take advantage of the “safe harbor” provisions of the PSLRA.
Generally the words “believe,” “expect,” “intend,” “estimate,” “anticipate,”
“forecast,” “plan,” “project,” “should” and similar expressions identify
forward-looking statements, which generally are not historical in nature.
These statements may contain information about financial prospects, economic
conditions and trends and involve risks and uncertainties. We caution that
actual results could differ materially from those that management expects,
depending on the outcome of certain factors. Some factors that could cause
results to differ materially from the forward-looking statements include: our
ability to effectively estimate, price for and manage our medical costs,
including the impact of any new coverage requirements; the potential impact
that new laws or regulations, or changes in existing laws or regulations, or
their enforcement or application could have on our results of operations,
financial position and cash flows, including as a result of increases in
medical, administrative, technology or other costs or decreases in enrollment
resulting from U.S., Brazilian and other jurisdictions' regulations affecting
the health care industry; the impact of any potential assessments for
insolvent payers under state guaranty fund laws; the ultimate impact of the
Patient Protection and Affordable Care Act, which could materially and
adversely affect our results of operations, financial position and cash flows
through reduced revenues, increased costs, new taxes and expanded liability,
or require changes to the ways in which we conduct business or put us at risk
for loss of business; potential reductions in revenue received from Medicare
and Medicaid programs, including sequestration; uncertainties regarding
changes in Medicare, including potential changes in risk adjustment data
validation audit and payment adjustment methodology; failure to comply with
patient privacy and data security regulations; regulatory and other risks and
uncertainties associated with the pharmacy benefits management industry and
our ability to successfully repatriate our pharmacy benefits management
business; competitive pressures, which could affect our ability to maintain or
increase our market share; the impact of challenges to our public sector
contract awards; our ability to execute contracts on competitive terms with
physicians, hospitals and other service professionals; increases in costs and
other liabilities associated with increased litigation, government
investigations, audits or reviews; failure to complete or receive anticipated
benefits of acquisitions and other strategic transactions, including the Amil
acquisition; our ability to attract, retain and provide support to a network
of independent producers (i.e., brokers and agents) and consultants; events
that may adversely affect our relationship with AARP; the potential impact of
adverse economic conditions on our revenues (including decreases in enrollment
resulting from increases in the unemployment rate and commercial attrition)
and results of operations; the performance of our investment portfolio;
possible impairment of the value of our goodwill and intangible assets in
connection with dispositions or if estimated future results do not adequately
support goodwill and intangible assets recorded for our existing businesses or
the businesses that we acquire; increases in health care costs resulting from
large-scale medical emergencies; failure to maintain effective and efficient
information systems or if our technology products otherwise do not operate as
intended; misappropriation of our proprietary technology; our ability to
obtain sufficient funds from our regulated subsidiaries or the debt or capital
markets to fund our obligations, to maintain our debt to total capital ratio
at targeted levels, to maintain our quarterly dividend payment cycle or to
continue repurchasing shares of our common stock; the impact of fluctuations
in foreign currency exchange rates on our reported shareholders' equity and
results of operations; potential downgrades in our credit ratings; and failure
to achieve targeted operating cost productivity improvements, including
savings resulting from technology enhancement and administrative
modernization.

This list of important factors is not intended to be exhaustive. We discuss
certain of these matters more fully, as well as certain risk factors that may
affect our business operations, financial condition and results of operations,
in our other periodic and current filings with the Securities and Exchange
Commission, including our annual reports on Form 10-K, quarterly reports on
Form 10-Q and current reports on Form 8-K. Any or all forward-looking
statements we make may turn out to be wrong, and can be affected by inaccurate
assumptions we might make or by known or unknown risks and uncertainties. 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 future results may vary
materially from expectations expressed in this press release 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.

UNITEDHEALTH GROUP

Earnings Release Schedules and Supplementary Information
Quarter Ended March 31, 2013

- Condensed Consolidated Statements of Operations

- Condensed Consolidated Balance Sheets

- Condensed Consolidated Statements of Cash Flows

- Supplemental Financial Information

- UnitedHealthcare Customer Profile



UNITEDHEALTH GROUP
CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS
(in millions, except per share data)
(unaudited)
                                                               
                                                  Three Months Ended March 31,
                                                  2013             2012
Revenues
Premiums                                          $  27,274        $  24,631
Services                                             2,112            1,791
Products                                             751              688
Investment and other income                         203            172    
                                                                             
Total revenues                                      30,340         27,282 
                                                                             
Operating Costs
Medical costs                                        22,569           19,939
Operating costs                                      4,614            4,096
Cost of products sold                                682              634
Depreciation and amortization                       336            296    
                                                                             
Total operating costs                               28,201         24,965 
                                                                             
Earnings from Operations                             2,139            2,317

Interest expense                                    (178    )       (148   )
                                                                             
Earnings Before Income Taxes                         1,961            2,169
                                                                             
Provision for income taxes                          (721    )       (781   )
                                                                             
Net Earnings                                         1,240            1,388
                                                                             
Less: earnings attributable to noncontrolling       (48     )       -      
interest
                                                                             
Net earnings attributable to UnitedHealth Group   $  1,192        $  1,388  
common shareholders
                                                                             
Diluted earnings per share attributable to        $  1.16         $  1.31   
UnitedHealth Group common shareholders
                                                                             
Diluted weighted-average common shares              1,029          1,060  
outstanding



UNITEDHEALTH GROUP
CONDENSED CONSOLIDATED BALANCE SHEETS
(in millions)
(unaudited)
                                                               
                                                      March 31,   December 31,
                                                      2013        2012
Assets
Cash and short-term investments                       $  13,057   $   11,437
Accounts receivable, net                                 3,185        2,709
Other current assets                                    6,475       6,906
                                                                      
Total current assets                                     22,717       21,052
                                                                      
Long-term investments                                    17,998       17,711
Other long-term assets                                  42,411      42,122
                                                                      
Total assets                                          $  83,126   $   80,885
                                                                      
                                                                      
Liabilities and Shareholders' Equity
Medical costs payable                                 $  11,726   $   11,004
Commercial paper and current maturities of               2,390        2,713
long-term debt
Other current liabilities                               13,067      13,399
                                                                      
Total current liabilities                                27,183       27,116
                                                                      
Long-term debt, less current maturities                  15,659       14,041
Future policy benefits                                   2,447        2,444
Deferred income taxes and other liabilities              3,892        3,985
                                                         2,188        2,121
Shareholders' equity                                    31,757      31,178
                                                                      
Total liabilities and shareholders' equity            $  83,126   $   80,885
                                                                      


UNITEDHEALTH GROUP
CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS
(in millions)
(unaudited)
                                                               
                                                  Three Months Ended March 31,
                                                  2013             2012
Operating Activities
Net earnings                                      $  1,240         $  1,388
Noncash Items:
Depreciation and amortization                        336              296
Deferred income taxes and other                      90               38
Share-based compensation                             99               140
Net changes in operating assets and liabilities     (712    )       1,724  
Cash flows from operating activities                1,053          3,586  
                                                                             
Investing Activities
Cash paid for acquisitions, net of cash assumed      (279    )        (1,935 )
Cash received from dispositions                      45               -
Purchases of property, equipment and                 (323    )        (269   )
capitalized software, net
Net purchases and maturities of investments         (347    )       (194   )
Cash flows used for investing activities            (904    )       (2,398 )
                                                                             
Financing Activities
Common stock repurchases                             (543    )        (991   )
Customer funds administered                          962              1,137
Dividends paid                                       (216    )        (168   )
Net change in commercial paper and long-term         1,288            1,239
debt
Other, net                                          12             (173   )
Cash flows from financing activities                1,503          1,044  
                                                                             
Effect of exchange rate changes on cash and          (20     )        -
cash equivalents
Increase in cash and cash equivalents                1,632            2,232
Cash and cash equivalents, beginning of period      8,406          9,429  
Cash and cash equivalents, end of period          $  10,038       $  11,661 



UNITEDHEALTH GROUP
SUPPLEMENTAL FINANCIAL INFORMATION
(in millions)
(unaudited)
                                                                           
                                             Three Months Ended March 31,
                                              2013             2012
Revenues
UnitedHealthcare                              $  28,279         $ 25,533
Optum                                            8,411            7,331
Eliminations                                    (6,350  )       (5,582 )
                                                                           
Total consolidated revenues                   $  30,340        $ 27,282 
                                                                           
Earnings from Operations
UnitedHealthcare                              $  1,644          $ 2,065
Optum (a)                                       495            252    
                                                                           
Total consolidated earnings from operations   $  2,139         $ 2,317  
                                                                           
Operating Margin
UnitedHealthcare                                 5.8        %     8.1     %
Optum                                            5.9        %     3.4     %
                                                                           
Consolidated operating margin                    7.1        %     8.5     %
                                                                           
                                                                           
Revenues
UnitedHealthcare Employer & Individual        $  11,089         $ 11,646
UnitedHealthcare Medicare & Retirement           11,180           9,916
UnitedHealthcare Community & State               4,438            3,940
UnitedHealthcare International                   1,572            31
                                                                           
OptumHealth                                      2,442            1,939
OptumInsight                                     773              671
OptumRx                                          5,196            4,721
                                                                           

      Earnings from operations for Optum for the three months ended March 31,
(a)  2013 and 2012 were $226 and $92 for OptumHealth; $149 and $89 for
      OptumInsight; and $120 and $71 for OptumRx, respectively.
      


UNITEDHEALTH GROUP
UNITEDHEALTHCARE CUSTOMER PROFILE
(in thousands)
(unaudited)
                                                              
                               March      December      March      December
                               31,        31,           31,        31,
People Served                  2013       2012          2012       2011
                                                                   
Commercial risk-based (a)      8,135      9,340         9,360      9,550
Commercial fee-based (a)       19,165     17,585        17,085     16,320
                                                                   
Total Commercial               27,300     26,925        26,445     25,870
                                                                   
Medicare Advantage             2,865      2,565         2,420      2,165
Medicaid                       3,895      3,830         3,665      3,600
Medicare Supplement            3,325      3,180         3,040      2,935
(Standardized)
                                                                   
Total Public and Senior        10,085     9,575         9,125      8,700
                                                                   
International                  4,630      4,425         -          -
                                                                   
Total UnitedHealthcare -       42,015     40,925        35,570     34,570
Medical
                                                                   
                                                                   
Supplemental Data
                                                                   
Medicare Part D stand-alone    4,710      4,225         4,240      4,855
                                                                   
                                                        

        UnitedHealth Group served 86.0 million individuals across all
Note:  businesses at March 31, 2013, 83.7 million at December 31, 2012, 75.1
        million at March 31, 2012, and 78.1 million at December 31, 2011.
        
        2013 totals include the effect of a conversion of 1.1 million
(a)     risk-based members of a public sector customer to a fee-based
        arrangement.
        

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Contact:

UnitedHealth Group
Investors:
Brett Manderfeld, 952-936-7216
Vice President
John Penshorn, 952-936-7214
Senior Vice President
or
Media:
Don Nathan, 952-936-1885
Senior Vice President
Tyler Mason, 714-299-5730
Vice President
 
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