Description of The Cigna Group's Business Segments

The Cigna Group: Extensive Overview of Segments, Products, and Services

The Cigna Group is a prominent global health service organization, distinguished by its diversified spectrum of segments, products, and services. Its focus spans across health care, disability and life insurance, retirement, international services, and run-off reinsurance. Below, we delve deeply into each segment, outlining the extensive range of products and services provided:

1. Health Care Segment

CIGNA HealthCare

As a key player in the health care sector, Cigna HealthCare delivers a broad array of managed care and indemnity products designed to serve employers of various sizes, as well as their employees and dependents. The organization aims to provide comprehensive health care solutions, emphasizing cost management and enhanced quality of care.

Products and Services:

1. Managed Care Products and Services:
- Health Maintenance Organizations (HMOs):
Members select a primary care physician who coordinates their care, requiring referrals for specialist visits. Open access HMOs allow specialist visits without referrals.
- Point-Of-Service (POS) Plans:
These plans blend HMO and PPO features, offering members the choice between in-network and out-of-network care, with variable costs.
- Managed Dental Programs:
Cigna provides preventive and restorative dental care through a network of dentists, managing costs effectively for members.
- Managed Behavioral Health Care Services:
This service includes counseling and psychiatric support through Employee Assistance Programs (EAPs), promoting mental health and wellness.
- Medical Cost and Utilization Management:
Tools and services are designed to analyze care processes and costs, optimizing health care delivery.
- Managed Pharmacy Programs:
These programs facilitate effective medication management alongside pharmaceutical fulfillment services, ensuring members receive the right medications efficiently.

2. Indemnity Products and Services:
- Preferred Provider Organizations (PPOs):
These plans afford members greater freedom in selecting health care providers, even outside the network, acknowledging the trade-off of varying out-of-pocket costs.
- Traditional Medical and Dental Indemnity Plans:
Members receive reimbursement for services after they pay out-of-pocket, maintaining a more conventional insurance experience.
- Indemnity Pharmacy Programs:
These facilitate medication reimbursements under indemnity arrangements.
- Disability and Life Insurance Products:
Integral to the health coverage ecosystem, Cigna offers disability products and life insurance historically linked to medical accounts.

Disability and Life Segment

CIGNA Group Insurance

Cigna’s Group Insurance segment is dedicated to providing a robust suite of disability and life insurance products that cater to the diverse financial protection needs of both employers and employees.

Products and Services:

1. Disability Insurance:
- Short-Term Disability Insurance:
This product offers income replacement for employees unable to work due to short-term illness or injury.
- Long-Term Disability Insurance:
Provides significant financial support for employees who are unable to work for extended periods due to disability.

2. Life Insurance:
- Group Term Life Insurance:
Can be structured as employer-paid basic life insurance or employee-paid supplemental policies, ensuring essential coverage for employees.
- Group Universal and Variable Universal Life Insurance:
These policies offer customizable premium and death benefit options, empowering employees to tailor their coverage.
- Accident and Specialty Insurance:
Cigna provides additional insurance products covering specific risks, including accidental death and dismemberment.

Retirement Segment

CIGNA Retirement & Investment Services

Cigna offers an extensive suite of retirement products and investment management services tailored to meet both corporate and individual retirement needs.

Products and Services:

1. Retirement Plans:
- Qualified and Non-Qualified Pension Plans:
Including both defined contribution and defined benefit plans that fulfill corporate retirement objectives.
- Profit-Sharing and Retirement Savings Plans:
Permits flexible savings options for employees working towards retirement goals.

2. Corporate Life Insurance:
- Designed specifically for Fortune 1000 companies, these products provide employee coverage and supplemental benefits to enhance overall benefit packages.

3. Retail Broker-Dealer Operations and Federal Savings Bank:
- Cigna may offer additional financial services, including investment products and advisory services tailored for retail clients.

International Segment

CIGNA International

Cigna International is dedicated to providing health coverage and products across global markets, particularly in Asia and Europe, focusing on multinational corporations by delivering comprehensive employee benefit solutions.

Products and Services:

1. Global Employee Benefits:
- Tailored benefits solutions catering to the distinctive health care needs of employees stationed outside their home countries.

2. Health Insurance:
- A wide range of health insurance products that comply with varied regional regulations and align with local cultural expectations.

Run-off Reinsurance Segment

CIGNA Reinsurance

This segment manages the liabilities associated with reinsurance coverage for life, annuity, and health policies that were historically offered up until the year 2000. Although this segment deals with discontinued coverage, it remains critical for managing ongoing obligations.

Other Operations

Cignas Other Operations encompass a variety of financial activities tied to previous insurance businesses, including:
- Deferred Gains: This includes assets recognized from past life insurance and annuity sales.
- Management of Corporate Life Insurance Products: Focused on policies where loans are outstanding.
- Settlement Annuity Business: Structured payout options catering to long-term obligations.
- Investment Management Services: Spanning both affiliated and unaffiliated entities, catering to diverse investment needs.

Conclusion

With its comprehensive array of health care, disability, life insurance, retirement solutions, and international services, Cigna Group positions itself as a versatile enterprise, equipped to address the multifaceted needs of individuals and organizations worldwide. The organizations commitment to improving health outcomes while managing costs firmly establishes it as a pivotal player in global health services.

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Composition of The Cigna Group Revenues by Segments


Evernorth Health Services	84.98 %	of total Revenue
Cigna Healthcare	14.66 %	of total Revenue
Other Operations	0.07 %	of total Revenue
Corporate and Eliminations	-2.22 %	of total Revenue
InterEliminations	-2.23 %	of total Revenue
InterEliminations Evernorth Health Services	-0.31 %	of total Revenue
InterEliminations Cigna Healthcare	-1.92 %	of total Revenue
InterEliminations Other Operations	-0 %	of total Revenue
Pharmacy revenues	78.89 %	of total Revenue
Service	6.49 %	of total Revenue
Service Fees And Other Revenues	6.49 %	of total Revenue
Other revenue	0.23 %	of total Revenue
Evernorth Health Services Pharmacy revenues	79.27 %	of total Revenue
Evernorth Health Services Network revenues	45.38 %	of total Revenue
Evernorth Health Services Home delivery and specialty revenues	28.89 %	of total Revenue
Evernorth Health Services Other revenues	5 %	of total Revenue
Evernorth Health Services Service Fees And Other Revenues	6.02 %	of total Revenue
Cigna Healthcare Service Fees And Other Revenues	2.55 %	of total Revenue
Other Operations Service Fees And Other Revenues	-0 %	of total Revenue
Corporate and Eliminations Pharmacy revenues	-0.38 %	of total Revenue
Corporate and Eliminations Service Fees And Other Revenues	-2.08 %	of total Revenue

Q1 three months ended (Mar 31 2026)
Revenues by Business Segments	Revenues (in millions $)	% (of total Revenues)
Evernorth Health Services	58,206.00	84.98 %
Cigna Healthcare	10,039.00	14.66 %
Other Operations	47.00	0.07 %
Corporate and Eliminations	-1,522.00	-2.22 %
InterEliminations	-1,526.00	-2.23 %
InterEliminations Evernorth Health Services	-211.00	-0.31 %
InterEliminations Cigna Healthcare	-1,312.00	-1.92 %
InterEliminations Other Operations	-3.00	-0 %
Pharmacy revenues	54,037.00	78.89 %
Service	4,443.00	6.49 %
Service Fees And Other Revenues	4,443.00	6.49 %
Other revenue	159.00	0.23 %
Evernorth Health Services Pharmacy revenues	54,294.00	79.27 %
Evernorth Health Services Network revenues	31,080.00	45.38 %
Evernorth Health Services Home delivery and specialty revenues	19,788.00	28.89 %
Evernorth Health Services Other revenues	3,426.00	5 %
Evernorth Health Services Service Fees And Other Revenues	4,123.00	6.02 %
Cigna Healthcare Service Fees And Other Revenues	1,746.00	2.55 %
Other Operations Service Fees And Other Revenues	-3.00	-0 %
Corporate and Eliminations Pharmacy revenues	-257.00	-0.38 %
Corporate and Eliminations Service Fees And Other Revenues	-1,423.00	-2.08 %
Total	68,494.00	100 %

Q1 three months ended (Mar 31 2026)
Revenue Growth rates by Segment	Y/Y Revenue %	Q/Q Revenue %
Evernorth Health Services	11.93 %	-
Cigna Healthcare	-23.76 %	-
Other Operations	-50 %	-
Corporate and Eliminations	-	-
InterEliminations	-	-
InterEliminations Evernorth Health Services	-	-
InterEliminations Cigna Healthcare	-	-
InterEliminations Other Operations	-	-
Pharmacy revenues	11.11 %	-
Service	14.07 %	-
Service Fees And Other Revenues	14.07 %	-
Other revenue	-1.85 %	-
Evernorth Health Services Pharmacy revenues	8.1 %	-
Evernorth Health Services Network revenues	10.17 %	-
Evernorth Health Services Home delivery and specialty revenues	4.49 %	-
Evernorth Health Services Other revenues	11.34 %	-
Evernorth Health Services Service Fees And Other Revenues	20.41 %	-
Cigna Healthcare Service Fees And Other Revenues	-1.41 %	-
Other Operations Service Fees And Other Revenues	-	-
Corporate and Eliminations Pharmacy revenues	-	-
Corporate and Eliminations Service Fees And Other Revenues	-	-
Total	4.57 %	-

Q1 three months ended (Mar 31 2026)
Income by Business Segments	Income (in millions $)	% (Profit Margin)
Evernorth Health Services	1,561.00	2.68 %
Cigna Healthcare	1,481.00	14.75 %
Other Operations	24.00	51.06 %
Total	1,861.00	2.72 %

Q1 three months ended (Mar 31 2026)
Income Growth rates by Segment	Y/Y Income %	Q/Q Income %
Evernorth Health Services	40.88 %	-
Cigna Healthcare	8.58 %	-
Other Operations	-	-
Total	32.08 %	-

Annual Report on The Cigna Group Divisions, Sales by Country


Evernorth Health Services	84.43 %	of total Revenue
Cigna Healthcare	15.07 %	of total Revenue
Other Operations	0.12 %	of total Revenue
Corporate and Eliminations	-2.96 %	of total Revenue
InterEliminations	-2.97 %	of total Revenue
InterEliminations Evernorth Health Services	-0.99 %	of total Revenue
InterEliminations Cigna Healthcare	-1.97 %	of total Revenue
InterEliminations Other Operations	-0.02 %	of total Revenue
Pharmacy revenues	78.82 %	of total Revenue
Service	6.16 %	of total Revenue
Service Fees And Other Revenues	6.16 %	of total Revenue
Other revenue	0.25 %	of total Revenue
Evernorth Health Services Pharmacy revenues	79.81 %	of total Revenue
Evernorth Health Services Network revenues	45.68 %	of total Revenue
Evernorth Health Services Home delivery and specialty revenues	29.28 %	of total Revenue
Evernorth Health Services Other revenues	4.85 %	of total Revenue
Evernorth Health Services Service Fees And Other Revenues	5.61 %	of total Revenue
Cigna Healthcare Service Fees And Other Revenues	2.6 %	of total Revenue
Other Operations Service Fees And Other Revenues	0.01 %	of total Revenue
Corporate and Eliminations Pharmacy revenues	-1.01 %	of total Revenue
Corporate and Eliminations Service Fees And Other Revenues	-2.07 %	of total Revenue
Other Operations Pharmacy revenues	0.02 %	of total Revenue
Corporate	0 %	of total Revenue

Twelve months ended 2025
CI s Annual Revenue by Geography and Business Segments	Sales (in millions $)	% (of total Sales)
Evernorth Health Services	232,098.00	84.43 %
Cigna Healthcare	41,426.00	15.07 %
Other Operations	325.00	0.12 %
Corporate and Eliminations	-8,139.00	-2.96 %
InterEliminations	-8,169.00	-2.97 %
InterEliminations Evernorth Health Services	-2,713.00	-0.99 %
InterEliminations Cigna Healthcare	-5,405.00	-1.97 %
InterEliminations Other Operations	-51.00	-0.02 %
Pharmacy revenues	216,672.00	78.82 %
Service	16,921.00	6.16 %
Service Fees And Other Revenues	16,921.00	6.16 %
Other revenue	696.00	0.25 %
Evernorth Health Services Pharmacy revenues	219,394.00	79.81 %
Evernorth Health Services Network revenues	125,573.00	45.68 %
Evernorth Health Services Home delivery and specialty revenues	80,492.00	29.28 %
Evernorth Health Services Other revenues	13,329.00	4.85 %
Evernorth Health Services Service Fees And Other Revenues	15,417.00	5.61 %
Cigna Healthcare Service Fees And Other Revenues	7,154.00	2.6 %
Other Operations Service Fees And Other Revenues	34.00	0.01 %
Corporate and Eliminations Pharmacy revenues	-2,776.00	-1.01 %
Corporate and Eliminations Service Fees And Other Revenues	-5,684.00	-2.07 %
Total	274,900.00	100 %
Other Operations Pharmacy revenues	54.00	0.02 %
Corporate	5.00	0 %

Twelve months ended 2025
CI s Annual Income by Country and Business Segments	Income (in millions $)	% (Profit Margin)
Evernorth Health Services	5,826.00	2.51 %
Cigna Healthcare	4,344.00	10.49 %
Other Operations	-46.00	-
Total	6,288.00	2.29 %
Corporate	-2,343.00	-

Twelve months ended 2025
Annual Revenue and Income Growth by Country and Business Segments	% Y/Y Sales Growth	% Y/Y Income Growth
Evernorth Health Services	17.12 %	48.28 %
Cigna Healthcare	-12.84 %	31.04 %
Other Operations	-26.14 %	-
Corporate and Eliminations	-	-
InterEliminations	-	-
InterEliminations Evernorth Health Services	-	-
InterEliminations Cigna Healthcare	-	-
InterEliminations Other Operations	-	-
Pharmacy revenues	16.89 %	-
Service	14.41 %	-
Service Fees And Other Revenues	14.41 %	-
Other revenue	19.18 %	-
Evernorth Health Services Pharmacy revenues	15.86 %	-
Evernorth Health Services Network revenues	19.21 %	-
Evernorth Health Services Home delivery and specialty revenues	11.06 %	-
Evernorth Health Services Other revenues	15.45 %	-
Evernorth Health Services Service Fees And Other Revenues	22.44 %	-
Cigna Healthcare Service Fees And Other Revenues	2.38 %	-
Other Operations Service Fees And Other Revenues	-56.96 %	-
Corporate and Eliminations Pharmacy revenues	-	-
Corporate and Eliminations Service Fees And Other Revenues	-	-
Total	11.24 %	66.44 %
Other Operations Pharmacy revenues	-10 %	-
Corporate	66.67 %	-
United States	-	-
Foreign countries	-	-

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