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Following deliberate portfolio shaping over the last several years, The Cigna Group is strategically positioned where health care costs are concentrating with multiple avenues for growth Announces "Lead to One" vision, unifying all colleagues around delivering personalization at scale to improve affordability and the patient experience Distinct, industry-leading capabilities in complex care, powered by clinical expertise, data, technology and AI Announces $3B multi-year modernization and productivity initiative to fuel performance Reaffirms 2026 full-year financial guidance and provides long-term financial growth target of 10-14% adjusted EPS CAGR through 2030 , /PRNewswire/ -- Today, at its Investor Day, The Cigna Group (NYSE: CI) will outline its strategy to improve affordability and personalization across the health care continuum. Enterprise leaders will detail how the Company's deliberately shaped portfolio, differentiated leadership in complex care, and disciplined execution position it to deliver durable growth, robust operating cash flow, and enhanced shareholder returns.

"We are proud to announce 'Lead to One,' our vision for the future of health care through personalization at scale. This unifies direction for our enterprise and positions The Cigna Group for continued success as we work to improve the health of the diverse range of customers we serve," said Brian Evanko, President and Chief Executive Officer of The Cigna Group. "We are uniquely positioned in the fastest-growing areas of health care, with a distinct ability to serve patients with complex needs through the combined capabilities of our Evernorth Health Services and Cigna Healthcare businesses. By building on our growth platforms, scaling our differentiated capabilities, and executing with discipline, we are well positioned to deliver durable earnings growth, create long-term shareholder value, and improve affordability and outcomes for those we are privileged to serve."

Introduces "Lead to One" vision to drive durable growth
The Cigna Group is focused on transforming health care by improving affordability and delivering personalization for all customers across the care continuum. "Lead to One" is delivered through the strategic growth framework leaders will outline today:

Deliver core growth: Build on the strong foundation of a deliberately shaped portfolio — including Cigna Healthcare and Evernorth's Specialty & Care Services and Pharmacy Benefit Services — to drive growth. Leverage distinct capabilities: Apply industry-leading complex care capabilities, enabled by clinical expertise, data, technology and AI. Execute with discipline: Maintain a clear vision, consistent execution, operational excellence, a culture of innovation and disciplined capital stewardship. Deliver core growth
The Cigna Group's businesses are connected through shared clinical expertise, data, customer relationships, and distribution capabilities, creating multiple avenues for growth and value creation. This deliberately built foundation is aligned to attractive, growing segments of health care where the Company possesses meaningful scale, differentiated capabilities, and opportunities for continued expansion.

Leverage distinct capabilities 
Complex care is rarely defined by a single diagnosis, medication or episode of care. Patients with complex needs often require support across multiple conditions, specialty and traditional medications, behavioral health, primary and specialty care, and ongoing care navigation. The Cigna Group's advantage comes from its ability to engage patients across more of that journey than most organizations, creating visibility into the factors that influence outcomes, affordability and experience. Supporting these patients requires a unique breadth of capabilities, and The Cigna Group's growth platforms work together to understand, anticipate and manage clinical complexity:

Evernorth Specialty & Care Services: Supports more than one million patients with complex conditions and delivers more than 8 million prescriptions annually, combining deep clinical expertise, nationwide provider and distribution capabilities, and personalized support models that improve access, adherence, and outcomes. This combination has established Evernorth as a trusted partner to patients, providers, health systems, and drug manufacturers. Cigna Healthcare: Delivers more personalized and proactive experiences across the full spectrum of patient requirements, from identifying emerging oncology needs earlier to providing AI-enabled navigation and advocacy support. Evernorth Pharmacy Benefit Services: Integrates pharmacy benefits, clinical insights, and supply chain expertise to improve affordability, support better adherence, and drive better outcomes at scale. Together, these capabilities enable The Cigna Group to identify risk earlier, connect fragmented information across the health care system, and intervene before higher-cost events occur. This ability to understand and manage complexity creates a meaningful advantage in affordability, personalization and outcomes, while positioning the Company to capture a growing share of one of health care's largest and fastest-growing segments.

Evanko continued, "The capabilities that make us a leader in complex care are also being applied to improve how health care is experienced across the broader population. By bringing together data, clinical expertise and AI through our health intelligence engine, we can identify needs earlier, personalize support and help lower the total cost of care. As we continue to scale these capabilities, we will create value for customers, clients and shareholders alike through better outcomes, lower costs and a more connected health care experience."

As part of its commitment to supporting people living with complex conditions, The Cigna Group Foundation is announcing a new $10.5 million, three-year grant program to expand community support for patients and caregivers and help address non-clinical barriers to treatment. The program will focus on strengthening the services and support systems that help patients start, stay on and benefit from treatment, including care navigation, education, peer support, mental health resources and assistance with essential social needs.

Execute with discipline
The Cigna Group will continue to fuel sustainable growth through operational excellence, expense discipline, and capital flexibility enabled by the Company's capital-light model.

Reaffirms 2026 guidance and provides 2030 financial targets
The Cigna Group reaffirms its 2026 financial guidance:

Consolidated Adjusted Revenues of ~$280 billion Consolidated Adjusted EPS of at least $30.45 Evernorth Health Services pre-tax adjusted income from operations of at least $6.90 billion Cigna Healthcare pre-tax adjusted income from operations of at least $4.55 billion Medical care ratio of 83.7% to 84.7% The Cigna Group provides 2026 – 2030 financial targets:
(All financial targets are through year end 2030 unless otherwise noted)

10-14% Adjusted EPS CAGR ~$50 billion in cumulative operating cash flow As part of its "Lead to One" vision, The Cigna Group is announcing a new $3 billion multi-year modernization and productivity initiative to support growth and financial performance. The initiatives will focus on modernizing processes and streamlining workflows, empowering colleagues with AI-enabled insights and tools to drive greater effectiveness, along with driving disciplined supplier and vendor management.

"We are building on a proven track record of delivering consistent and differentiated adjusted EPS growth through disciplined execution," said Ann Dennison, Executive Vice President and Chief Financial Officer of The Cigna Group. "Our long-term growth targets are supported by our clear growth pillars, distinct capabilities, and our new multi-year modernization and productivity initiative, which will self-fund and fuel our performance. We are positioned to deliver attractive, sustainable growth, robust operating cash flow, and enhanced shareholder returns."

Webcast information
The event will begin at 8:30 a.m. ET. A live webcast of the presentation will be available at https://www.thecignagroupinvestorday.com. 

To listen to this presentation live on the Internet, visit https://www.thecignagroupinvestorday.com at least 15 minutes prior to the presentation to download and install any necessary audio software.

About The Cigna Group
The Cigna Group (NYSE: CI) is a global health company committed to creating a better future built on the vitality of every individual and every community. We relentlessly challenge ourselves to partner and innovate solutions for better health. The Cigna Group includes products and services marketed under Cigna Healthcare, Evernorth Health Services or its subsidiaries. The Cigna Group maintains sales capabilities in more than 30 markets and jurisdictions and has over 180 million customer relationships around the world. Learn more at thecignagroup.com

Cautionary Statement Regarding Forward-Looking Statements
This press release may contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements are based on The Cigna Group's current expectations and projections about future trends, events and uncertainties. These statements are not historical facts. Forward-looking statements may include, among others, statements concerning our projected adjusted revenue for 2026; projected adjusted income from operations for 2026 on a segment basis, projected adjusted earnings per share and earnings per share growth rate for 2026 and future periods for The Cigna Group, Evernorth Health Services (including Pharmacy Benefit Services and Specialty & Care Services) and Cigna Healthcare; projected medical care ratio for 2026; projected cash flow from operations; future financial or operating performance, including our ability to improve the health and vitality of those we serve; our market opportunities; economic, regulatory or competitive environments; future growth (including growth of Evernorth Health Services and Cigna Healthcare), business strategy, and strategic or operational initiatives, including our modernization and productivity initiatives, and ability to successfully implement actions across our business to strengthen our platform and build a more sustainable model for healthcare; our prospects for growth in the coming years; and other statements regarding The Cigna Group's future beliefs, expectations, plans, intentions, liquidity, cash flows, financial condition or performance. You may identify forward-looking statements by the use of words such as "believe," "expect," "project," "plan," "intend," "anticipate," "estimate," "predict," "potential," "may," "should," "will" or other words or expressions of similar meaning, although not all forward-looking statements contain such terms.

Forward-looking statements are subject to risks and uncertainties, both known and unknown, that could cause actual results to differ materially from those expressed or implied in forward-looking statements. Such risks and uncertainties include, but are not limited to: our ability to manage health care costs and respond to price competition, inflation and other pressures that could compress our margins or result in premiums that are insufficient to cover the cost of services delivered to our customers; our ability to compete effectively, differentiate our products and services from those of our competitors and adapt to changes in an evolving and rapidly changing industry; our ability to develop and effectively implement products and services to improve the accessibility, affordability and transparency of health care; changes in drug pricing or industry pricing benchmarks; our ability to maintain relationships with one or more key pharmaceutical manufacturers or if payments made or discounts provided decline; changes in the pharmacy provider marketplace or pharmacy networks; the potential for actual claims to exceed our estimates related to expected medical claims; our ability to develop and maintain satisfactory relationships with health care payors, physicians, hospitals, other health service providers and with producers and consultants; potential liability in connection with managing medical practices and operating pharmacies, onsite clinics and other types of medical facilities; uncertainties surrounding participation in government-sponsored programs and providing services to payors who participate in government-sponsored programs; the substantial level of government regulation over our business and the potential effects of new laws or regulations or changes in existing laws or regulations; compliance with applicable privacy, security and data laws, regulations and standards; the outcome of litigation, regulatory audits and investigations; compliance costs and potential failure of our prevention, detection and control systems; our ability to invest in and properly maintain our information technology and other business systems; our ability to prevent or contain effects of a potential cyberattack or other privacy or data security incident; risks related to our use of artificial intelligence and machine learning; dependence on success of relationships with third parties; risk of significant disruption within our operations or among key suppliers or third parties; political, legal, operational, regulatory, economic and other risks that could affect our multinational operations, including currency exchange rates; risks related to strategic transactions and realization of the expected benefits of such transactions, as well as integration or separation difficulties or underperformance relative to expectations; which could lead to an impairment charge; our ability to achieve our strategic and operational initiatives; unfavorable economic and market conditions, the risk of a recession or other economic downturn and resulting impact on employment metrics, stock market or changes in interest rates; risks related to a downgrade in financial strength ratings of our insurance subsidiaries; the impact of our significant indebtedness and the potential for further indebtedness in the future; credit risk related to our reinsurers; as well as more specific risks and uncertainties discussed in our most recent report on Form 10-K and subsequent reports on Forms 10-Q and 8-K available through the Investor Relations section of www.thecignagroup.com. You should not place undue reliance on forward-looking statements, which speak only as of the date they are made, are not guarantees of future performance or results, and are subject to risks, uncertainties and assumptions that are difficult to predict or quantify. The Cigna Group undertakes no obligation to update or revise any forward-looking statement, whether as a result of new information, future events or otherwise, except as may be required by law.

Notes
Adjusted revenues is used by The Cigna Group's management because it facilitates analysis of trends in underlying revenue. The Cigna Group defines adjusted revenues as total revenues excluding the following adjustments: special items and The Cigna Group's share of certain investment results of its joint ventures reported in the Cigna Healthcare segment using the equity method of accounting. Special items are matters that management believes are not representative of the underlying results of normal, recurring operations due to their nature or size. We exclude these items from this measure because management believes they are not indicative of past or future underlying performance of the business. Adjusted revenues are not determined in accordance with GAAP and should not be viewed as a substitute for the most directly comparable GAAP measure, total revenues.

Adjusted income (loss) from operations is a principal financial measure of profitability used by The Cigna Group's management because it presents the underlying results of operations of The Cigna Group's businesses and facilitates analysis of trends in underlying revenue, expenses and shareholders' net income. Adjusted income (loss) from operations is defined as shareholders' net income (or income before taxes less pre-tax income (loss) attributable to noncontrolling interests for the segment metric) excluding net investment gains/losses, amortization of acquired intangible assets and special items. The Cigna Group's share of certain investment results of its joint ventures reported in the Cigna Healthcare segment using the equity method of accounting are also excluded. Special items are matters that management believes are not representative of the underlying results of normal, recurring operations due to their nature or size. Adjusted income (loss) from operations is measured on an after-tax basis for consolidated results and on a pre-tax basis for segment results. Consolidated adjusted income (loss) from operations is not determined in accordance with GAAP and should not be viewed as a substitute for the most directly comparable GAAP measure, shareholders' net income.

Management is not able to provide a reconciliation of adjusted income from operations to shareholders' net income or adjusted revenues to total revenues on a forward-looking basis because we are unable to predict, without unreasonable effort, certain components thereof including (i) future net investment results and (ii) future special items. These items are inherently uncertain and depend on various factors, many of which are beyond our control. As such, any associated estimate and its impact on shareholders' net income and total revenues could vary materially.

The Cigna Healthcare medical care ratio represents medical costs as a percentage of premiums for all Cigna Healthcare risk products provided through guaranteed cost or experience-rated funding arrangements. Changes in percentages may be expressed in basis points.

The Cigna Group's outlook excludes the potential effects of any business combinations that may occur after the date of this press release. The Cigna Group's outlook includes the potential effects of expected future share repurchases and anticipated 2026 dividends.

The Cigna Group currently intends to pay regular quarterly dividends, with future declarations subject to approval by its Board of Directors and the Board's determination that the declaration of dividends remains in the best interests of The Cigna Group and its shareholders. The decision of whether to pay future dividends and the amount of any such dividends will be based on The Cigna Group's financial position, results of operations, cash flows, capital requirements, the requirements of applicable law and any other factors the Board of Directors may deem relevant.

The timing and actual number of shares repurchased will depend on a variety of factors, including price, general business and market conditions, and alternate uses of capital. The share repurchase program may be affected through open market purchases in compliance with Rule 10b-18 under the Securities Exchange Act of 1934, as amended, including through Rule 10b5-1 trading plans, or privately negotiated transactions. The program may be suspended or discontinued at any time.

Investor Relations Contact
Ralph Giacobbe
1 (860) 787-7968
[email protected]

Media Contact
Justine Sessions
1 (860) 810-6523
[email protected]

SOURCE The Cigna Group

Key Takeaways Cigna's Smart Coverage may provide eligible members up to $7,000 for covered health events.Simple File Sync Plus automatically matches qualifying medical claims with supplemental benefits.Smart Coverage launches Jan. 1, 2027, for U.S. clients with 500 to 2,999 employees. The Cigna Group’s (CI - Free Report) health benefits arm, Cigna Healthcare, is linking medical and supplemental health benefits through a new connected experience designed to make cash support easier to access for costly health events. Its Medical with Smart Coverage option can be added to qualifying high-deductible health plans and may provide eligible members up to $7,000 for covered injuries, illnesses or hospitalizations.

Cigna is also rolling out Simple File Sync Plus, which automatically matches qualifying medical claims with eligible supplemental benefits, reducing paperwork and missed claims. Smart Coverage launches Jan. 1, 2027, for U.S. clients with 500 to 2,999 employees at launch, with broader availability planned for 2028.

The move targets a clear affordability gap in employer health coverage. Cigna and Ipsos found nearly 60% of Americans are not financially prepared for a health event, while 44% have spent at least $1,000 out of pocket after a diagnosis, injury or hospitalization. Fewer than one-third understand that supplemental benefits can also cover everyday costs including groceries, housing or child care.

Meanwhile, half of workers with employer-sponsored medical coverage were offered a high-deductible plan in 2024, versus 38% in 2015. Cigna says employees are more than 2.5 times likelier to enroll when supplemental benefits are available alongside them today.

The launch could strengthen Cigna’s employer offering by making high-deductible plans easier to sell and supplemental coverage easier to use. That may support client retention, new account wins and higher participation in supplemental products, creating incremental premium and fee opportunities over time.

How Are Peers Placed?UnitedHealth Group Incorporated (UNH - Free Report) and Elevance Health, Inc. (ELV - Free Report) offer solutions that are similar to the connected-benefits approach. UnitedHealthcare’s Benefit Ally combines medical coverage with accident, critical-illness and hospital-indemnity benefits. For qualifying medical events, the system can automatically identify eligibility and trigger supplemental payouts, reducing or eliminating the need for employees to file separate claims. UnitedHealth also has Benefit Assist, which uses integrated medical-claims data to initiate supplemental claims. Elevance is doing something similar through Anthem. Its Whole Health Connection links Anthem medical coverage with accident, critical-illness and hospital-indemnity plans. When medical claims indicate that a member may qualify for a supplemental benefit, Anthem automatically alerts the member.

CI’s Price Performance, Valuation and EstimatesShares of Cigna have gained 2% year to date, underperforming the broader industry’s growth of 22.1%.

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From a valuation standpoint, Cigna trades at a forward price-to-earnings ratio of 8.67X, down from the industry average of 16.13X. CI carries a Value Score of A.

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The Zacks Consensus Estimate for Cigna’s 2026 earnings implies 2.3% growth year over year, followed by a 9.5% improvement next year.

Image Source: Zacks Investment Research

The stock currently carries a Zacks Rank #3 (Hold). You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.

Key Takeaways Cigna benefits from strong Specialty and Care Services and employer business growth.Cigna's pharmacy strategy, AI initiatives and buybacks support its growth and shareholder value.Rising expenses, a higher medical cost ratio and significant debt pose risks to margin growth. The Cigna Group (CI - Free Report) continues to drive growth on the back of strong segmental performance, improving operating efficiency and shareholder-friendly moves. Its forward P/E of 8.61X is lower than the industry average of 16X.

Cigna — with a market capitalization of $73.6 billion — offers a variety of health solutions and insurance products. It operates through two main divisions: Cigna Healthcare and Evernorth Health Services. The company’s shares have gained 1.2% in the year-to-date period compared with the industry average of a 20.3% rise.

Courtesy of solid prospects, Cigna currently carries a Zacks Rank #3 (Hold) and Value Score of A.

Where Do Estimates for CI Stand?The Zacks Consensus Estimate for Cigna’s 2026 earnings is pegged at $30.50 per share, indicating a 2.2% year-over-year rise. In the past month, it has witnessed eight upward estimate revisions against none in the opposite direction. Furthermore, the consensus mark for revenues is pegged at $288.8 billion for 2026.

It beat earnings estimates in each of the past four quarters, with the average surprise being 2.3%.

CI’s Growth DriversCigna is benefiting from strong growth in its Specialty and Care Services business, supported by rising specialty-drug utilization and faster adoption of biosimilars and specialty generics. Evernorth’s Specialty and Care Services delivered 22% year-over-year growth in pretax adjusted earnings to $1.1 billion in the second quarter of 2026. Higher generic penetration, operating efficiencies and contributions from Shields Health Solutions, which expands Cigna’s reach across hospitals and health systems, also supported the performance. In the second quarter of 2026, Evernorth Health Services’ adjusted revenues increased 6.3% year over year.

Cigna Healthcare is another key growth driver, with the U.S. employer business benefiting from strong client relationships, disciplined pricing and effective care coordination. Second-quarter adjusted revenues increased 9.1% year over year to $11.7 billion, while pretax adjusted earnings rose 17%, supported by favorable medical cost trends and continued membership growth in the employer market.

CI is also reshaping its pharmacy benefits business to create a more sustainable growth platform. Its new Signature rebate-free pharmacy model has generated early interest from health plans and employers and is expected to be introduced to Cigna Healthcare’s fully insured plans next year before a broader market launch in 2028. Pharmacy Benefit Services also achieved more than 97% client retention for 2026, while new business secured for 2027 already exceeds the combined level of the previous two selling seasons.

Technology and AI are emerging as additional levers for improving care, affordability and efficiency. Cigna’s Pharmacy Forward program is expected to halve the average time to therapy for specialty medications and reduce clinician documentation time by up to 50%. Meanwhile, expanded AI-enabled care coordination is expected to reach 20% more customers with emerging complex health needs. Customers participating in these programs have seen approximately $2,000 in annual medical-cost savings and a 42% reduction in avoidable inpatient stays.

Cigna continues to demonstrate a strong commitment to enhancing shareholder value. During the second quarter of 2026, it repurchased approximately 0.9 million shares for about $250 million. Its current dividend yield of 2.24% is higher than the industry average of 2.02%.

CI: Risks to WatchHowever, there are some factors that investors should keep a careful eye on.

The company’s total benefits and expenses escalated over the last several years due to higher pharmacy and other service costs, medical costs and other benefit expenses. Total benefits and expenses witnessed a year-over-year increase of 6% in the second quarter of 2026. The persistent escalation of expenses might weigh on its margin growth. In the second quarter of 2026, the medical cost ratio deteriorated 130 bps year over year to 84.5%.

Cigna has been grappling with a significant debt level over the past several years. As of June 30, 2026, it had a long-term debt of $29.1 billion, significantly higher than the cash balance of $6.3 billion. This is likely to put pressure on the company’s interest expenses. Its net debt to capital is 32.9%, higher than the industry’s average of 18.4%.

Stocks to ConsiderSome better-ranked stocks in the Medical space are BrightSpring Health Services, Inc. (BTSG - Free Report) , Globus Medical, Inc. (GMED - Free Report) and Centene Corporation (CNC - Free Report) , each currently sporting a Zacks Rank #1 (Strong Buy). You can see the complete list of today’s Zacks #1 Rank stocks here.

The Zacks Consensus Estimate for BrightSpring Health Services’ current-year earnings of $1.78 per share has witnessed five upward revisions in the past 30 days against no movement in the opposite direction. BTSG beat earnings estimates in three of the trailing four quarters and missed once, with the average surprise being 16.1%. The consensus estimate for current-year revenues is pegged at $15.2 billion, suggesting 18.1% year-over-year growth.

The Zacks Consensus Estimate for Globus Medical’s current-year earnings of $4.93 per share has witnessed three upward revisions in the past 30 days, against no movement in the opposite direction. GMED Pharmaceuticals beat earnings estimates in each of the trailing four quarters, with the average surprise being 27.9%. The consensus estimate for current-year revenues is pegged at $3.2 billion, suggesting 8.8% year-over-year growth.

The Zacks Consensus Estimate for Centene’s current-year earnings of $4.89 per share has witnessed one upward revision in the past seven days, against no movement in the opposite direction. CNC beat earnings estimates in each of the trailing four quarters, with an average surprise of 151.3%. The consensus estimate for current-year revenues is pegged at $196.3 billion, suggesting 0.8% year-over-year growth.

Total revenues for the second quarter 2026 increased 7% to $71.7 billion Shareholders' net income for the second quarter 2026 was $1.7 billion, or $6.29 per share Adjusted income from operations1 for the second quarter 2026 was $2.1 billion, or $7.78 per share 2026 outlook2 for adjusted income from operations1,2 increased to at least $30.45 per share2 , /PRNewswire/ -- Global health company The Cigna Group (NYSE: CI) today reported second quarter 2026 results, reflecting solid operational performance across its diversified portfolio of businesses.

"Our purpose is to improve the lives of each and every customer and patient we serve," said Brian C. Evanko, President and Chief Executive Officer of The Cigna Group. "By harnessing technology, data and AI to deliver more personalized experiences, improve access and lower costs, we are creating greater value every day. Our strong second quarter results reflect continued progress against these priorities and demonstrate the effectiveness of our strategy and execution."

Shareholders' net income for second quarter 2026 was $1.7 billion, or $6.29 per share compared to $1.5 billion, or $5.71 per share, for second quarter 2025, primarily reflecting growth in Cigna Healthcare.

The Cigna Group's adjusted income from operations1 for second quarter 2026 was $2.1 billion, or $7.78 per share, compared with $1.9 billion, or $7.20 per share, for second quarter 2025.

A reconciliation of shareholders' net income to adjusted income from operations1 is provided on the following page and on Exhibit 1 of this earnings release.

CONSOLIDATED HIGHLIGHTS

The following table includes highlights of results and reconciliations of total revenues to adjusted revenues3 and shareholders' net income to adjusted income from operations1:

Consolidated Financial Results (unaudited, dollars in millions):

Three Months Ended

Six Months
Ended

June 30,

March 31,

June 30,

2026

2025

2026

2026

Total Revenues

$       71,668

$       67,178

$       68,494

$     140,162

Net Investment Results from Equity Method Investments3

(110)

(44)

23

(87)

Adjusted Revenues3

$       71,558

$       67,134

$       68,517

$     140,075

Consolidated Earnings, net of taxes

Shareholders' Net Income

$         1,660

$         1,532

$         1,654

$         3,314

Net Investment (Gains)1

(55)

(103)

(233)

(288)

Amortization of Acquired Intangible Assets1

296

330

315

611

Special Items1

153

171

322

475

Adjusted Income from Operations1

$         2,054

$         1,930

$         2,058

$         4,112

Shareholders' Net Income, per share 

$          6.29

$          5.71

$          6.26

$         12.55

Adjusted Income from Operations1, per share 

$          7.78

$          7.20

$          7.79

$         15.58

Total revenues for second quarter 2026 increased 7% relative to second quarter 2025, driven by growth in both Evernorth Health Services and Cigna Healthcare. Adjusted income from operations1 for second quarter 2026 increased 6% relative to second quarter 2025, driven by higher contributions from Cigna Healthcare. The SG&A expense ratio4 and adjusted SG&A expense ratio4 were 4.8% and 4.6% for second quarter 2026, compared to 5.1% and 4.9%, respectively, in second quarter 2025, primarily reflecting operating efficiency. Year to date through July 29, 2026, the company repurchased 0.9 million shares of common stock for approximately $250 million. CUSTOMER RELATIONSHIPS

The following table summarizes The Cigna Group's medical customers and overall customer relationships:

Customer Relationships (in thousands):

As of the Periods Ended

June 30,

March 31,

December 31,

2026

2025

2026

2025

Total Pharmacy Customers

118,243

121,892

121,020

123,603

U.S. Healthcare

16,678

16,355

16,623

16,423

International Health

1,735

1,691

1,711

1,695

Total Medical Customers5

18,413

18,046

18,334

18,118

Behavioral Care

27,621

23,852

27,558

28,269

Dental

18,488

18,446

18,558

18,438

Total Customer Relationships

182,765

182,236

185,470

188,428

Total customer relationships at June 30, 2026 decreased 3% from December 31, 2025 to 182.8 million. Total pharmacy customers at June 30, 2026 decreased 4% from December 31, 2025 to 118.2 million, reflecting expected client transitions and lower membership from health plan clients. Total medical customers5 at June 30, 2026 increased 2% from December 31, 2025 to 18.4 million reflecting growth in Middle and Select markets, partially offset by lower membership in National Accounts. HIGHLIGHTS OF SEGMENT RESULTS

See Exhibit 1 for a reconciliation of adjusted income from operations1 to shareholders' net income. 

Evernorth Health Services

This segment includes the Pharmacy Benefit Services and Specialty and Care Services operating segments, which provide independent and coordinated health solutions and capabilities to enable the health care system to work better and help people live healthier lives.

Pharmacy Benefit Services drives high-quality, cost-effective pharmacy care through various services such as drug claim adjudication, retail pharmacy network administration, benefit design consultation, drug utilization review, drug formulary management and access to our home delivery pharmacy. Specialty and Care Services provides specialty drugs for the treatment of complex and rare diseases, specialty distribution of pharmaceuticals and medical supplies, as well as clinical programs to help our clients drive better whole-person health outcomes through care services.

Financial Results (dollars in millions):

Three Months Ended

Six Months
Ended

June 30,

March 31,

June 30,

2026

2025

2026

2026

Total Adjusted Revenues

   Pharmacy Benefit Services

$         34,496

$         31,954

$         33,002

$         67,498

   Specialty and Care Services

$         26,972

$         25,871

$         25,440

$         52,412

Adjusted Revenues3

$         61,468

$         57,825

$         58,442

$       119,910

Adjusted Income from Operations, Pre-Tax

Pharmacy Benefit Services

$              609

$              833

$              394

$           1,003

Specialty and Care Services

$           1,054

$              863

$           1,072

$           2,126

Adjusted Income from Operations, Pre-Tax1

$           1,663

$           1,696

$           1,466

$           3,129

Margin, Pre-Tax6

2.7 %

2.9 %

2.5 %

2.6 %

Evernorth Health Services second quarter 2026 adjusted revenues3 increased 6% and adjusted income from operations, pre-tax1, decreased 2%, relative to second quarter 2025. For Pharmacy Benefit Services second quarter 2026 relative to second quarter 2025: Adjusted revenues3 increased 8% primarily due to drug mix. Adjusted income from operations, pre-tax1, decreased 27%, primarily reflecting client-focused initiatives, including large client contract renewals, and customer-focused initiatives, consistent with prior commentary. For Specialty and Care Services second quarter 2026 relative to second quarter 2025: Adjusted revenues3 increased 4% reflecting strong specialty volume growth. Adjusted income from operations, pre-tax1, increased 22% primarily reflecting strong organic growth in specialty businesses, including higher generic and biosimilar adoption which benefits clients and patients by delivering lower costs, and operating efficiencies. Cigna Healthcare

This segment includes the U.S. Healthcare and International Health operating segments, which provide comprehensive medical and coordinated solutions to clients and customers. U.S. Healthcare provides medical plans and other benefits and solutions for insured and self-insured clients as well as individual and family plan customers. International Health provides health care solutions in our international markets, as well as health solutions for globally mobile individuals and employees of multinational organizations. In April 2026, the Company announced its planned exit from the Individual and Family Plans medical business as of January 1, 2027.

Financial Results (dollars in millions):

Three Months Ended

Six Months
Ended

June 30,

March 31,

June 30,

2026

2025

2026

2026

Adjusted Revenues3,7

$          11,728

$          10,754

$          11,477

$          23,205

Adjusted Income from Operations, Pre-Tax1

$            1,276

$            1,094

$            1,514

$            2,790

Margin, Pre-Tax6

10.9 %

10.2 %

13.2 %

12.0 %

Second quarter 2026 adjusted revenues3 increased 9% relative to second quarter 2025, primarily reflecting premium rate increases to cover expected increases in medical costs. Second quarter 2026 adjusted income from operations, pre-tax1, increased 17% relative to second quarter 2025, primarily due to an improved margin within our U.S. Employer business. The Cigna Healthcare MCR4 was 84.5% for second quarter 2026, compared to 83.2% for second quarter 2025, primarily reflecting higher prior year risk adjustment benefits within our Individual and Family Plans business recognized in second quarter 2025. Cigna Healthcare net medical costs payable8 was $5.09 billion at June 30, 2026, $4.78 billion at March 31, 2026, and $4.49 billion at June 30, 2025. The sequential increase reflects typical stop loss seasonality. Favorable prior year reserve development on a gross pre-tax basis was $268 million and $297 million for the six months ended June 30, 2026 and 2025, respectively. Corporate and Other Operations

Corporate reflects interest expense, amounts not allocated to operating segments and includes intersegment eliminations. Other Operations is comprised of Corporate Owned Life Insurance ("COLI"), the Company's run-off operations and other non-strategic businesses.

Financial Results (dollars in millions):

Three Months Ended

Six Months
Ended

June 30,

March 31,

June 30,

2026

2025

2026

2026

Adjusted (Loss) from Operations, Pre-Tax1

$            (389)

$            (357)

$            (377)

$            (766)

2026 OUTLOOK2

The Cigna Group's outlook for full year 2026 consolidated adjusted income from operations1,2 is at least $30.45 per share2. Additionally, this outlook includes the impact of expected future share repurchases and anticipated 2026 dividends.

(dollars in millions, except where noted and per share amounts)

 2026 Consolidated Metrics

Projection for Full Year Ending

December 31, 2026

Change from
Prior Projection

Adjusted Income from Operations, per share1,2

at least $30.45

+$0.10

Evernorth Adjusted Income from Operations, Pre-Tax1,2

at least $6,900

Cigna Healthcare Adjusted Income from Operations, Pre-Tax1,2

at least $4,550

+$25

Cigna Healthcare Medical Care Ratio2,4

83.7% to 84.7%

The foregoing statements represent the Company's current estimates of The Cigna Group's 2026 consolidated and segment adjusted income from operations1,2 and other key metrics as of the date of this release.  Actual results may differ materially depending on a number of factors.  Investors are urged to read the Cautionary Note Regarding Forward-Looking Statements included in this release.  Management does not assume any obligation to update these estimates.

This quarterly earnings release and the Quarterly Financial Supplement are available on The Cigna Group's website in the Investor Relations section (https://investors.thecignagroup.com/overview/default.aspx). Management will be hosting a conference call to review second quarter 2026 results and discuss full year 2026 outlook beginning today at 8:30 a.m. ET.  A link to the conference call is available in the Investor Relations section of The Cigna Group's website located at https://investors.thecignagroup.com/events-and-presentations/default.aspx. 

The call-in numbers for the conference call are as follows:

          Live Call
          (888) 566-1889   (Domestic)
          (773) 799-3989   (International)
          Passcode: 07302026

          Replay
          (866) 405-7290   (Domestic)
          (203) 369-0603   (International)

It is strongly suggested you dial in to the conference call by 8:15 a.m. ET.

About The Cigna Group

The Cigna Group (NYSE: CI) is a global health company committed to creating a better future built on the vitality of every individual and every community. We relentlessly challenge ourselves to partner and innovate solutions for better health. The Cigna Group includes products and services marketed under Evernorth Health Services, Cigna Healthcare, or its subsidiaries. The Cigna Group maintains sales capabilities in more than 30 markets and jurisdictions, and has over 180 million customer relationships around the world. Learn more at thecignagroup.com.

Notes:

1. Adjusted income (loss) from operations is a principal financial measure of profitability used by The Cigna Group's management because it presents the underlying results of operations of the Company's businesses and facilitates analysis of trends in underlying revenue, expenses and shareholders' net income. Adjusted income (loss) from operations is defined as shareholders' net income (or income before income taxes less pre-tax income (loss) attributable to noncontrolling interests for the segment metric) excluding net investment gains/losses, amortization of acquired intangible assets and special items. The Cigna Group's share of certain investment results of its joint ventures reported in the Cigna Healthcare segment using the equity method of accounting are also excluded. Special items are matters that management believes are not representative of the underlying results of normal, recurring operations due to their nature or size. Adjusted income (loss) from operations is measured on an after-tax basis for consolidated results and on a pre-tax basis for segment results. Consolidated adjusted income (loss) from operations is not determined in accordance with GAAP and should not be viewed as a substitute for the most directly comparable GAAP measure, shareholders' net income. See Exhibit 1 for a reconciliation of consolidated adjusted income from operations to shareholders' net income.

2. Management is not able to provide a reconciliation of adjusted income from operations to shareholders' net income, on a forward-looking basis because it is unable to predict, without unreasonable effort, certain components thereof including (i) future net investment results and (ii) future special items. These items are inherently uncertain and depend on various factors, many of which are beyond The Cigna Group's control. As such, any associated estimate and its impact on shareholders' net income and total revenues could vary materially. 

The Company's outlook excludes the potential effects of any other business combinations that may occur after the date of this earnings release. The Company's outlook includes the potential effects of expected future share repurchases and anticipated 2026 dividends.

The timing and actual number of shares repurchased will depend on a variety of factors, including price, general business and market conditions, and alternate uses of capital. The share repurchase program may be effected through open market purchases in compliance with Rule 10b-18 under the Securities Exchange Act of 1934, as amended, including through Rule 10b5-1 trading plans, or privately negotiated transactions. The program may be suspended or discontinued at any time.

3. Adjusted revenues is used by The Cigna Group's management because it facilitates analysis of trends in underlying revenue. The Company defines adjusted revenues as total revenues excluding the following adjustments: special items and The Cigna Group's share of certain investment results of its joint ventures reported in the Cigna Healthcare segment using the equity method of accounting. Special items are matters that management believes are not representative of the underlying results of normal, recurring operations due to their nature or size. We exclude these items from this measure because management believes they are not indicative of past or future underlying performance of the business. Adjusted revenues is not determined in accordance with GAAP and should not be viewed as a substitute for the most directly comparable GAAP measure, total revenues. See Exhibit 1 for a reconciliation of consolidated adjusted revenues to total revenues.

4. Operating ratios are defined as follows:

The Cigna Healthcare medical care ratio ("MCR") represents medical costs as a percentage of premiums for all Cigna Healthcare risk products provided through guaranteed cost or experience-rated funding arrangements. Changes in percentages may be expressed in basis points ("bps"). SG&A expense ratio on a GAAP basis for the second quarter 2026 represents enterprise selling, general and administrative expenses of $3,470 million as a percentage of total revenue of $71.7 billion at a consolidated level. SG&A expense ratio on a GAAP basis for the second quarter 2025 represents enterprise selling, general and administrative expenses of $3,433 million as a percentage of total revenue of $67.2 billion at a consolidated level. Adjusted SG&A expense ratio for the second quarter 2026 represents enterprise selling, general and administrative expenses of $3,290 million excluding special items of $180 million as a percentage of adjusted revenue at a consolidated level. Adjusted SG&A expense ratio for the second quarter 2025 represents enterprise selling, general and administrative expenses of $3,271 million excluding special items of $162 million as a percentage of adjusted revenue at a consolidated level. 5. Customer relationships are defined as follows:

Total medical customers includes individuals who meet any one of the following criteria: (i) are covered under a medical insurance policy, managed care arrangement, or administrative services agreement issued by Cigna Healthcare; (ii) have access to Cigna Healthcare's provider network for covered services under their medical plan; or (iii) have medical claims that are administered by Cigna Healthcare. 6. Margin, pre-tax, is calculated by dividing adjusted income (loss) from operations, pre-tax by adjusted revenues for each segment.

7. The Cigna Group owns noncontrolling interests in certain operating joint ventures. As such, the adjusted revenues for the Cigna Healthcare segment only include the Company's share of the joint ventures' earnings reported in Fees and Other Revenues using the equity method of accounting under GAAP.

8. Medical costs payable within the Cigna Healthcare segment are presented net of reinsurance and other recoverables. The gross medical costs payable balance was $5.23 billion as of June 30, 2026, $4.92 billion as of March 31, 2026, and $4.64 billion as of June 30, 2025.

CAUTIONARY NOTE REGARDING FORWARD-LOOKING STATEMENTS

This press release, and oral statements made in connection with this release, may contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements are based on The Cigna Group's current expectations and projections about future trends, events and uncertainties. These statements are not historical facts. Forward-looking statements may include, among others, statements concerning our projected outlook for 2026 (including adjusted revenues; adjusted income from operations, including on a per share, and segment basis; adjusted SG&A expense ratio; adjusted effective tax rate; cash flow from operations; capital expenditures; shareholder dividends; weighted average shares outstanding; medical care ratio; and total medical customers); future financial or operating performance, including our ability to improve the health and vitality of those we serve; future growth, business strategy and strategic or operational initiatives, including our ability to successfully implement actions across our business to strengthen our platform and build a more sustainable model for healthcare; economic, regulatory or competitive environments; capital deployment plans and amounts available for future deployment; our prospects for growth in the coming years; and other statements regarding The Cigna Group's future beliefs, expectations, plans, intentions, liquidity, cash flows, financial condition or performance. You may identify forward-looking statements by the use of words such as "believe," "expect," "project," "plan," "intend," "anticipate," "estimate," "predict," "potential," "may," "should," "will" or other words or expressions of similar meaning, although not all forward-looking statements contain such terms.

Forward-looking statements are subject to risks and uncertainties, both known and unknown, that could cause actual results to differ materially from those expressed or implied in forward-looking statements. Such risks and uncertainties include, but are not limited to: our ability to manage health care costs and respond to price competition, inflation and other pressures that could compress our margins or result in premiums that are insufficient to cover the cost of services delivered to our customers; our ability to compete effectively, differentiate our products and services from those of our competitors and adapt to changes in an evolving and rapidly changing industry; our ability to develop and effectively implement products and services to improve the accessibility, affordability and transparency of health care; changes in drug pricing or industry pricing benchmarks; our ability to maintain relationships with one or more key pharmaceutical manufacturers or if payments made or discounts provided decline; changes in the pharmacy provider marketplace or pharmacy networks; the potential for actual claims to exceed our estimates related to expected medical claims; our ability to develop and maintain satisfactory relationships with health care payors, physicians, hospitals, other health service providers and with producers and consultants; potential liability in connection with managing medical practices and operating pharmacies, onsite clinics and other types of medical facilities; uncertainties surrounding participation in government-sponsored programs and providing services to payors who participate in government-sponsored programs; the substantial level of government regulation over our business and the potential effects of new laws or regulations or changes in existing laws or regulations; compliance with applicable privacy, security and data laws, regulations and standards; the outcome of litigation, regulatory audits and investigations; compliance costs and potential failure of our prevention, detection and control systems; our ability to invest in and properly maintain our information technology and other business systems; our ability to prevent or contain effects of a potential cyberattack or other privacy or data security incident; risks related to our use of artificial intelligence and machine learning; dependence on success of relationships with third parties; risk of significant disruption within our operations or among key suppliers or third parties; political, legal, operational, regulatory, economic and other risks that could affect our multinational operations, including currency exchange rates; risks related to strategic transactions and realization of the expected benefits of such transactions, as well as integration or separation difficulties or underperformance relative to expectations which could lead to an impairment charge; our ability to achieve our strategic and operational initiatives; unfavorable economic and market conditions, the risk of a recession or other economic downturn and resulting impact on employment metrics, stock market or changes in interest rates; risks related to a downgrade in financial strength ratings of our insurance subsidiaries; the impact of our significant indebtedness and the potential for further indebtedness in the future; credit risk related to our reinsurers; as well as more specific risks and uncertainties discussed in our most recent report on Form 10-K and subsequent reports on Forms 10-Q and 8-K available through the Investor Relations section of www.thecignagroup.com. You should not place undue reliance on forward-looking statements, which speak only as of the date they are made, are not guarantees of future performance or results, and are subject to risks, uncertainties and assumptions that are difficult to predict or quantify. The Cigna Group undertakes no obligation to update or revise any forward-looking statement, whether as a result of new information, future events or otherwise, except as may be required by law.

THE CIGNA GROUP

Exhibit 1

COMPARATIVE SUMMARY OF FINANCIAL RESULTS (unaudited)

Three Months Ended

Six Months Ended

Three Months
Ended

June 30,

June 30,

March 31,

(Dollars in millions, except per share amounts)

2026

2025

2026

2025

2026

REVENUES

Pharmacy revenues

$ 57,172

$ 53,649

$        111,209

$        102,282

$ 54,037

Premiums

9,859

9,156

19,671

21,892

9,812

Fees and other revenues

4,365

4,137

8,808

8,032

4,443

Net investment income

272

236

474

474

202

Total revenues

71,668

67,178

140,162

132,680

68,494

Net investment results from certain equity method investments

(110)

(44)

(87)

(94)

23

Adjusted revenues (1)

$ 71,558

$ 67,134

$        140,075

$        132,586

$ 68,517

Shareholders' net income

$  1,660

$  1,532

$  3,314

$  2,855

$  1,654

Pre-tax adjusted income (loss) from operations by segment

Evernorth Health Services

$  1,663

$  1,696

$  3,129

$  3,130

$  1,466

Cigna Healthcare

1,276

1,094

2,790

2,381

1,514

Corporate and Other Operations

(389)

(357)

(766)

(768)

(377)

   Adjusted income tax expense 

(496)

(503)

(1,041)

(973)

(545)

Consolidated after-tax adjusted income from operations

$  2,054

$  1,930

$  4,112

$  3,770

$  2,058

Weighted average shares (in thousands)

263,962

268,154

263,990

270,540

264,017

Common shares outstanding (in thousands)

264,154

266,901

264,498

SHAREHOLDERS' EQUITY at June 30,

$ 42,620

$ 40,214

SHAREHOLDERS' EQUITY PER SHARE at June 30,

$ 161.35

$ 150.67

Three Months Ended

Six Months Ended

Three Months
Ended

June 30,

June 30,

March 31,

2026

2025

2026

2025

2026

(Dollars in millions, except per share amounts)

Pre-tax

After-tax

Pre-tax

After-tax

Pre-tax

After-tax

Pre-tax

After-tax

Pre-tax

After-tax

SHAREHOLDERS' NET INCOME

Shareholders' net income

$  1,660

$  1,532

$  3,314

$  2,855

$  1,654

Adjustments to reconcile to adjusted income from operations

Net investment (gains) (2)

$  (41)

(55)

$  (96)

(103)

$ (276)

(288)

$ (144)

(151)

$ (235)

(233)

Amortization of acquired intangible assets

389

296

422

330

779

611

844

666

390

315

Special Items

 Strategic optimization program

70

53

129

98

450

343

344

261

380

290

 Integration and transaction-related costs

34

26

74

56

69

53

290

220

35

27

 Charges (benefits) associated with litigation matters

77

60

—

—

66

52

—

—

(11)

(8)

 Deferred tax expenses, net

—

17

—

17

—

33

—

34

—

16

 (Gain) on sale of businesses

(6)

(3)

—

—

(6)

(6)

(41)

(115)

—

(3)

Adjusted income from operations (3)

$  2,054

$  1,930

$  4,112

$  3,770

$  2,058

DILUTED EARNINGS PER SHARE

Shareholders' net income

$   6.29

$   5.71

$  12.55

$  10.55

$   6.26

Adjustments to reconcile to adjusted income from operations

Net investment (gains) (2)

$ (0.16)

(0.21)

$ (0.36)

(0.38)

$ (1.05)

(1.09)

$ (0.53)

(0.56)

$ (0.89)

(0.88)

Amortization of acquired intangible assets

1.48

1.12

1.57

1.23

2.96

2.32

3.12

2.47

1.48

1.19

Special Items

 Strategic optimization program

0.27

0.20

0.48

0.37

1.70

1.29

1.27

0.97

1.44

1.10

 Integration and transaction-related costs

0.13

0.10

0.28

0.21

0.26

0.20

1.07

0.81

0.13

0.10

 Charges (benefits) associated with litigation matters

0.28

0.23

—

—

0.25

0.20

—

—

(0.04)

(0.03)

 Deferred tax expenses, net

—

0.06

—

0.06

—

0.13

—

0.13

—

0.06

 (Gain) on sale of businesses

(0.02)

(0.01)

—

—

(0.02)

(0.02)

(0.15)

(0.43)

—

(0.01)

Adjusted income from operations (3)

$   7.78

$   7.20

$  15.58

$  13.94

$   7.79

(1)

Adjusted revenues is defined as total revenues excluding the following adjustments: special items and The Cigna Group's share of certain investment results of its joint ventures reported in the Cigna Healthcare segment using the equity method of accounting. These items are excluded because they are not indicative of past or future underlying performance of our businesses.

(2)

Includes Net investment gains/losses as presented in our Consolidated Statements of Income, as well as the Company's share of certain investment results of its joint ventures reported in the Cigna Healthcare segment using the equity method of accounting, which are presented within Fees and other revenues in our Consolidated Statements of Income.

(3)

Adjusted income (loss) from operations is defined as shareholders' net income (or income before income taxes less pre-tax income (loss) attributable to noncontrolling interests for the segment metric) excluding the following adjustments: net investment gains/losses, amortization of acquired intangible assets and special items. The Cigna Group's share of certain investment results of its joint ventures reported in the Cigna Healthcare segment using the equity method of accounting are also excluded.

INVESTOR RELATIONS CONTACT:
Ralph Giacobbe
860-787-7968
[email protected] 

MEDIA CONTACT:
Justine Sessions
860-810-6523
[email protected] 

SOURCE The Cigna Group

New capabilities will help 20% more customers with complex or chronic health needs access personalized clinical support earlier, reducing medical costs by $200M over three years

, /PRNewswire/ -- Cigna Healthcare®, the health benefits division of The Cigna Group (NYSE: CI), is significantly expanding its personalized care management programs through AI-enabled capabilities and predictive analytics that help identify customers who would benefit from earlier support and connect them with clinicians. The expansion will support 20% more customers with emerging, complex or chronic health needs – including cancer, heart disease, kidney disease, high-risk pregnancy, and behavioral health conditions.

AI-enabled capacities identify opportunities for personalized outreach and support, while experienced clinicians provide the guidance, care coordination, and expertise needed to help customers navigate their health journey with confidence. More than 1,250 Cigna Healthcare clinicians, including nurses and behavioral health specialists, guide customers as they navigate care, coordinate with multiple providers, and access additional resources. Through these new capabilities, clinicians will help customers address health needs earlier and manage conditions more effectively – reducing medical costs for engaged customers by $2,000 per year on average, resulting in an estimated $200 million in total savings over the next three years.

"As costs for hospital care, emergency services, and prescription drugs continue to rise, we are investing in tools and clinical programs that help customers avoid unnecessary hospitalizations, better manage chronic conditions, and reduce the likelihood of more serious and expensive health events later," said Bryan Holgerson, President, Cigna Healthcare U.S. and Executive Vice President, Customer Health Outcomes, The Cigna Group. "By combining predictive analytics, AI-enabled capabilities, and clinical expertise, we can identify health needs earlier and connect more customers with personalized support when it has the greatest impact."

Cigna Healthcare's care management programs have demonstrated meaningful results:

95% customer satisfaction among surveyed customers A 42% reduction in avoidable inpatient stays among customers who engage early with care management support Earlier identification of likely breast, colorectal, and lung cancer diagnoses by approximately 55, 46, and 37 days, respectively 72% of customers achieving clinically meaningful improvement in depression symptoms when connected to high-quality behavioral health providers "Health care can be difficult to navigate, especially when someone is facing a new diagnosis or complex condition. Our goal is to make it easier for customers to connect with an experienced Cigna Healthcare clinician who can help them understand their options and make the most of the support available through their health plan," said Dr. Stanley Crittenden, Chief Medical Officer, Cigna Healthcare. "With earlier guidance, we can help customers get the right care at the right time and avoid more serious and costly health complications." 

How These Enhancements Improve Customer Experience 
These AI-enabled capabilities help Cigna Healthcare identify opportunities to provide support earlier, personalize engagement, and connect more customers with experienced clinicians.

Earlier Identification of Support Opportunities: Advanced predictive models and AI-enabled insights help identify emerging health needs sooner, creating more opportunities to engage customers before a condition becomes more serious. More Personalized Engagement: Customers can connect with clinicians through the channels they prefer, including phone, text, email, and digital tools. These interactions create more opportunities to provide guidance, answer questions, and support healthier outcomes. Greater Access to Expert Clinical Support: AI-enabled capabilities help identify and prioritize engagement opportunities, allowing clinicians to focus more time on helping customers understand their options, coordinate care, and access resources. This work advances the company's commitments to create more connected, personalized health care experiences and complements services such as My Personal Champion, which helps customers navigate the administrative challenges that often accompany complex health conditions, including prior authorizations, claims, and continuity of care.

About Cigna Healthcare
Cigna Healthcare is a health benefits provider that advocates for better health through every stage of life. We guide our customers through the health care system, empowering them with the information and insight they need to make the best choices for improving their health and vitality. Products and services are provided exclusively by or through operating subsidiaries of The Cigna Group (NYSE:CI), including Cigna Health and Life Insurance Company, Connecticut General Life Insurance Company, Evernorth Health companies or their affiliates and Express Scripts companies or their affiliates. Such products and services include an integrated suite of health services, such as medical, dental, behavioral health, pharmacy, vision, supplemental benefits, and others.

Learn more at  www.cignahealthcare.com.

MEDIA CONTACT:
Gena Madow
[email protected] 
240.513.5986

SOURCE Cigna Healthcare

New program introduces AI-enabled capabilities to personalize support, streamline prescription processing, and help patients start and stay on therapy with greater ease and confidence

, /PRNewswire/ -- As specialty care becomes more complex, patients need faster, more connected, and personalized support. To help meet that need, Evernorth, the health services division of The Cigna Group (NYSE:CI), today unveiled Pharmacy Forward, a new AI-powered program designed to improve how patients access and experience specialty care. Launching first with Accredo Specialty Pharmacy – which serves patients with chronic and complex specialty conditions through condition-specific Therapeutic Resource Centers (TRCs) – the program is supported by a $100 million investment through 2028. This investment enables care teams to focus more on clinical care and patient outcomes while reducing prescription processing timelines and improving service responsiveness.

"Patients navigating complex health conditions need comprehensive, expert support, often during some of the most difficult moments in their lives," said Matt Perlberg, President of the Evernorth Health Services pharmacy and care delivery businesses, including Accredo, and Executive Vice President of Customer Innovation for The Cigna Group.  "Pharmacy Forward reflects our commitment to meet patients where they are —delivering an even faster, more seamless experience while ensuring they receive the personalized support and clinical care they deserve."

A Smarter, Faster, More Personalized Specialty Pharmacy Experience
Pharmacy Forward applies AI across four core areas: clinical care, prescription intake, administration, and medication fulfillment:

Care Enablement — Supporting More Coordinated, Insight-Driven Care: Pharmacy Forward is expected to improve medication adherence beyond the industry standard of 80%, helping patients stay on therapy and achieve optimal health outcomes. By integrating clinical data and insights, AI-generated summaries, and predictive analytics, care teams can deliver more connected, informed support. This enables clinicians to proactively identify patients at risk of falling off therapy or experiencing adverse events, empowering earlier intervention, stronger coordination, and an improved patient experience. The program uses AI to free up more time for clinicians to focus on patient care and is expected to reduce clinician documentation time by up to 50%. Experience Accelerators – Improving the Patient Journey in Real Time: Pharmacy Forward uses AI-enabled tools to reach patients earlier in their care journey and deliver more proactive, personalized support. For example, Accredo has implemented AI-enabled scheduling so outreach occurs during patients' preferred call windows. Additionally, Accredo anticipates a 25% increase in use of personalized patient digital pathways, enabling more patients to complete routine steps on their own terms — getting answers faster, starting prescriptions through the app or website, and scheduling therapy more easily. Rx Readiness — Accelerating Time to Therapy: Pharmacy Forward is cutting the time it takes for patients to receive their medication after Accredo receives a prescription in half — helping patients start treatment sooner. By using AI to improve the completeness of prior authorization submissions, identify copay assistance eligibility, and ensure prescriptions are ready earlier in the process, the program is designed to streamline the time it takes to process a prescription and reduce delays in care. One Fulfillment Network — Delivering Medications Faster and More Reliably: Pharmacy Forward will enhance Accredo's ability to ship complex specialty medications from sites as close to a patient's home as possible, ensuring that 90% of patients are within a 1-day or same day ground shipping radius. To enable this, Accredo is expanding capacity, staffing, and capabilities at many of its nearly 40 care facilities to reduce the need for longer ground or air shipments, which are more susceptible to delays from adverse events such as weather. The enhancements will be supported by AI technology, for example, to continuously analyze factors such as patient location, delivery timing, and medication handling requirements to determine the most effective dispensing location. Together, these capabilities represent the next evolution of specialty pharmacy — combining AI, clinical expertise, and operational scale to create a more connected and responsive care experience. The program is expected to generate approximately $400 million in value by the end of 2028, helping make care more coordinated and personalized for the more than one million patients Accredo serves each year. Evernorth expects to extend many of these capabilities to its other pharmacies' operations in the coming years.

"AI is enabling us to fundamentally reimagine how we support each patient's journey," said Katya Andresen, Chief Data, Digital and AI Officer, The Cigna Group. "By responsibly combining real-time data, advanced analytics and deep clinical expertise, we can deliver more personalized, proactive support — helping people access the care they need faster and achieve better health outcomes."

About Evernorth Health Services
Evernorth Health Services is the pharmacy, care, and benefits solutions division of The Cigna Group (NYSE: CI). We create and deliver innovative, flexible, and people-first solutions that solve the most complex health care challenges. Evernorth is home to pioneering brands including Express Scripts, Express Scripts Pharmacy, Accredo, eviCore, and MD Live. We have more than 40,000 employees who work to make health care more affordable, predictable, and simple for the 190 million people we serve. Learn more at evernorth.com.

Media Contact
Justine Sessions
[email protected]
860-810-6523 

SOURCE Evernorth