UnitedHealth Group Incorporated Management Discusses Q3 2013 Results - Earnings Call Transcript

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UnitedHealth Group Incorporated (NYSE:UNH) Q3 2013 Earnings Call October 17, 2013 8:45 AM ET


Stephen J. Hemsley - Chief Executive Officer, President and Executive Director

Larry C. Renfro - Executive Vice President and Chief Executive officer of Optum

Dirk McMahon

Jack Larsen

Gail Koziara Boudreaux - Executive Vice President and Chief Executive Officer of United Healthcare

Mike Weissel

Daniel Schumacher

Steve Nelson

Jeff Alter - Chief Executive of UnitedHealthcare Employer & Individual Business

David S. Wichmann - Chief Financial Officer, President of Operations and Executive Vice President

John S. Penshorn - Senior Vice President

John Rex

Bill Miller - Chief Executive Officer


Justin Lake - JP Morgan Chase & Co, Research Division

Albert J. Rice - UBS Investment Bank, Research Division

David A. Styblo - Jefferies LLC, Research Division

Peter Heinz Costa - Wells Fargo Securities, LLC, Research Division

Christian Rigg - Susquehanna Financial Group, LLLP, Research Division

Kevin M. Fischbeck - BofA Merrill Lynch, Research Division

Joshua R. Raskin - Barclays Capital, Research Division

Scott J. Fidel - Deutsche Bank AG, Research Division

Ralph Giacobbe - Crédit Suisse AG, Research Division

Sheryl R. Skolnick - CRT Capital Group LLC, Research Division

Matthew Borsch - Goldman Sachs Group Inc., Research Division

Thomas A. Carroll - Stifel, Nicolaus & Co., Inc., Research Division

Sarah James - Wedbush Securities Inc., Research Division

Carl R. McDonald - Citigroup Inc, Research Division

Christine Arnold - Cowen and Company, LLC, Research Division

Michael J. Baker - Raymond James & Associates, Inc., Research Division


Good morning. I will be your conference facilitator today. Welcome to the UnitedHealth Group Third Quarter 2013 Earnings Conference Call. [Operator Instructions] As a reminder, this call is being recorded.

Here is some important introductory information. This call contains forward-looking statements under U.S. federal securities laws. These statements are subject to risks

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