GROWING 

Internationally, Cigna entered new markets poised for growth. 

## EXPANDING AROUND THE WORLD 

Cigna in 2012 broadened its capabilities and strengthened the company’s foothold in markets around the world. In the U.S., Cigna completed its acquisition of HealthSpring, which intensifies Cigna’s presence in the rapidly growing seniors market while leveraging the successful HealthSpring model built on deep understanding of customers and working with physicians to deliver the care their patients need. Additionally, Cigna acquired Great American Supplemental Benefits, expanding the company’s portfolio of products for individuals and bolstering Cigna’s retail distribution capabilities. 

Cigna entered several new developing international markets poised for growth. Cigna and its joint venture partner in India, the Indian business conglomerate TTK, announced plans to begin operations in 2013 following regulatory approvals and expect to secure a full health and accident license in 2013. Cigna also entered a joint venture with Saudi Arabian Insurance Company B.S.C. (C) to develop a portfolio of health, wellness and insurance products targeted to regional and multi-national employers across the Middle East. 

In Turkey, Cigna launched a joint venture with Finansbank – a retail bank with 10 million customers and a network of 500 branches. The Turkish joint venture will enable Cigna to reach customers in a country of significant geographic and strategic importance. 

## Increasing Collaborative Accountable Care Programs 

In 2012, Cigna expanded its collaborative accountable care (CAC) programs by establishing 38 new initiatives with physician groups in 19 states, including the company’s first CACs in California, Florida, Virginia, Ohio and South Carolina. Cigna now has more than 50 collaborative accountable care programs in 22 states covering more than 500,000 customers. 

These programs increase patient access to health care, improve care coordination, and achieve better health care quality, affordability, and patient satisfaction. Cigna’s programs focus on high-risk individuals, including people with chronic health conditions such as diabetes or heart disease. CACs help identify individuals who may have missed an important medical test or health screening or may be overdue for a prescription refill; help reduce unnecessary use of hospital emergency rooms; help increase preventive health visits and help improve follow-up care for those leaving the hospital. 

