{"id":36240,"date":"2018-11-13T19:58:53","date_gmt":"2018-11-14T00:58:53","guid":{"rendered":"https:\/\/digital.hbs.edu\/platform-rctom\/submission\/an-ounce-of-ai-powered-prevention-a-pound-of-cure-cignas-use-of-artificial-intelligence-to-save-lives-and-costs\/"},"modified":"2018-11-13T19:58:53","modified_gmt":"2018-11-14T00:58:53","slug":"an-ounce-of-ai-powered-prevention-a-pound-of-cure-cignas-use-of-artificial-intelligence-to-save-lives-and-costs","status":"publish","type":"hck-submission","link":"https:\/\/d3.harvard.edu\/platform-rctom\/submission\/an-ounce-of-ai-powered-prevention-a-pound-of-cure-cignas-use-of-artificial-intelligence-to-save-lives-and-costs\/","title":{"rendered":"An Ounce of AI-powered Prevention, A Pound of Cure: Cigna\u2019s Use of Artificial Intelligence to Save Lives (and Costs)"},"content":{"rendered":"<p>In the world of health insurance, performance is not only measured in bottom-line profits, but also in health outcomes. Artificial intelligence (AI) and machine learning technologies are rapidly transforming how patients, hospitals, pharmaceutical companies, and insurers across the ecosystem approach healthcare. For insurance companies, this pressure is compounded by industry trends including regulatory uncertainty,<a href=\"#_ftn1\" name=\"_ftnref1\">[1]<\/a><sup>,<a href=\"#_ftn2\" name=\"_ftnref2\">[2]<\/a><\/sup> consolidation,<a href=\"#_ftn3\" name=\"_ftnref3\">[3]<\/a> and new entrants.<a href=\"#_ftn4\" name=\"_ftnref4\">[4]<\/a> While the rise of AI has increased risk from competitors, technology also offers the possibility to adapt. Carriers can create AI-powered products reducing the need for costly treatments while optimizing existing processes.<\/p>\n<p>Among the insurance companies facing these pressures is Cigna\u2014a global health service company with 95 million customers which has successfully navigated the landscape over the past 200+ years.<a href=\"#_ftn5\" name=\"_ftnref5\">[5]<\/a> To maintain its market position through the technological arms race, Cigna must continue to innovate and adapt as competitors adopt AI and machine learning capabilities.<\/p>\n<p><strong>Quick wins: Driving customer education and engagement<\/strong><\/p>\n<p>To realize gains in the near-term, Cigna is focused on offering \u201ceasy to understand, affordable products.\u201d<a href=\"#_ftn6\" name=\"_ftnref6\">[6]<\/a> Like many carriers, Cigna offers a range of programs designed to improve customer satisfaction, health outcomes, and cost-efficiency through prevention and early detection. Educating and engaging users, however, presents a major obstacle in realizing the potential of these initiatives.<a href=\"#_ftn7\" name=\"_ftnref7\">[7]<\/a> \u00a0To combat knowledge gaps, Cigna has adapted its user-engagement processes and leveraged partnerships. Examples of these initiatives include:<\/p>\n<ul>\n<li><em><u>Answers by Cigna:<\/u> <\/em>AI-enabled voice offering on Amazon\u2019s Alexa platform answering 150+ common questions<a href=\"#_ftn8\" name=\"_ftnref8\">[8]<\/a> while personalizing and simplifying health benefits information.<a href=\"#_ftn9\" name=\"_ftnref9\">[9]<\/a><\/li>\n<li><em><u>Samsung S Health:<\/u><\/em> App promoting healthy behaviors across 500 million devices worldwide.<a href=\"#_ftn10\" name=\"_ftnref10\">[10]<\/a> Cigna collects biometric data from Samsung devices<a href=\"#_ftn11\" name=\"_ftnref11\">[11]<\/a> and leverages its AI-analytics engine to personalize health recommendations including goal-setting and gamified accountability alerts spanning exercise, food, sleep, stress, and weight (see Exhibits 1 and 2).<a href=\"#_ftn12\" name=\"_ftnref12\">[12]<\/a><\/li>\n<li><em><u>Microsoft Hololens:<\/u> <\/em>Virtual reality game, BioBall, measures key health indicators accounting for \u201cthe majority of preventable chronic disease and health care costs.\u201d<a href=\"#_ftn13\" name=\"_ftnref13\">[13]<\/a> Through gameplay, enrollees are given personal vital-statistics and offered suggestions to reduce health risks (see Exhibit 3).<\/li>\n<\/ul>\n<p>Together, these initiatives are helping transform Cigna from a commodity carrier to a personal engagement platform. Alongside Cigna\u2019s broader user-engagement program, One Guide, the company saw 34% more interactions and 20% higher customer satisfaction in 2017.<a href=\"#_ftn14\" name=\"_ftnref14\">[14]<\/a><\/p>\n<p><strong>Long-term gains: Prediction and prevention through artificial intelligence<\/strong><\/p>\n<p>Rather than developing internal processes for building AI tools, Cigna merged with Express Scripts and launched Cigna Ventures, a $250 million fund, to invest in start-ups.<a href=\"#_ftn15\" name=\"_ftnref15\">[15]<\/a> Key long-term investments include:<\/p>\n<ul>\n<li><em><u>Express Scripts:<\/u> <\/em>Cigna acquired Express Scripts for $52 billion in September 2018.<a href=\"#_ftn16\" name=\"_ftnref16\">[16]<\/a> Integrating drug databases enabled Cigna to adopt AI-powered approval processes for specialty medications, decreasing operating costs. Additionally, AI-identified patients with adherence challenges are funneled to medication adherence education programs. Boosting compliance minimizes insurance payouts in the long-term by improving patient health.<a href=\"#_ftn17\" name=\"_ftnref17\">[17]<\/a> Cigna\u2019s \u201cOpioid Likely Overdose Risk Model\u201d<a href=\"#_ftn18\" name=\"_ftnref18\">[18]<\/a> uses this AI engine to identify cases of misuse and has reduced opioid use among customers by 25%.<a href=\"#_ftn19\" name=\"_ftnref19\">[19]<\/a><\/li>\n<li><em><u>Prognos:<\/u> <\/em>Prognos applies AI to lab diagnostics to refine \u201capproaches to risk adjustment, clinical quality, and care management.\u201d<a href=\"#_ftn20\" name=\"_ftnref20\">[20]<\/a> Using its clinical diagnostics information database (14 billion medical records; 180 million patients), Prognos identifies patient needs early, enabling low-cost treatments and improved outcomes.<a href=\"#_ftn21\" name=\"_ftnref21\">[21]<\/a><\/li>\n<li><em><u>Omada Health:<\/u> <\/em>Cigna led a $50 million investment round in Omada Health which uses machine learning to prevent diabetes by influencing patient diet and exercise.<a href=\"#_ftn22\" name=\"_ftnref22\">[22]<\/a> Behavioral changes trigger computer-generated suggestions screened by coaches as the system \u201clearns\u201d to influence patient behavior. Omada Health has helped users lose 4.7% of their body weight on average, saving ~$2,650 per beneficiary over 15 months.<a href=\"#_ftn23\" name=\"_ftnref23\">[23]<\/a><\/li>\n<\/ul>\n<p><strong>What comes next?<\/strong><\/p>\n<p>While Cigna has made significant strides in its adoption of AI technologies, there are still gaps in its capabilities where competitors have made progress. Recommendations for Cigna include:<\/p>\n<ul>\n<li><em><u>Integrate offerings:<\/u><\/em> Consolidate user-engagement products. Linking BioBall, S Health (expanding to iOS), Answers, and the Cigna platform will enrich insights, simplify the user experience, broaden the user base, standardize data collection, and inform macro-level decisions across geographic, demographic, and psychographic segments.<\/li>\n<li><em><u>Optimize claims-processing:<\/u><\/em> About 8-10% of claims are filed incorrectly<a href=\"#_ftn24\" name=\"_ftnref24\">[24]<\/a> and an estimated \u201ctens of billions of dollars each year\u201d are fraudulent claims.<a href=\"#_ftn25\" name=\"_ftnref25\">[25]<\/a> Like its competitors, Cigna should develop AI-powered claims-processing<a href=\"#_ftn26\" name=\"_ftnref26\">[26]<\/a> which can automate the complex process (see Exhibits 4 and 5) and reduce division operating costs by 70-90% by 2030<a href=\"#_ftn27\" name=\"_ftnref27\">[27]<\/a> or ~$15 million per 100 FTEs.<a href=\"#_ftn28\" name=\"_ftnref28\">[28]<\/a><\/li>\n<li><em><u>Redesign organizational structure:<\/u><\/em> Though Cigna has created a Global Chief Data and Analytics Officer role,<a href=\"#_ftn29\" name=\"_ftnref29\">[29]<\/a> the organization should adopt a matrix structure including AI-experts in each division.<\/li>\n<\/ul>\n<p>While Cigna implements these recommendations, it must also consider the ramifications of AI on the evolution of healthcare. For Cigna, are acquisitions a good substitute for R&amp;D investment? For Cigna\u2019s users, will trust erode as risk-adjusted models leverage user health data to raise premiums?<\/p>\n<p>The answers will have a significant impact on the industry for years to come\u2014affecting insurance companies and the people who depend on them.<\/p>\n<p>[795 words]<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"text-decoration: underline\"><strong>Exhibits<\/strong><\/span><\/p>\n<p>Exhibit 1: Screenshots of Samsung S Health App\u00a0<a href=\"#_ftn10\" name=\"_ftnref10\">[10]<\/a><\/p>\n<p><a href=\"https:\/\/d3.harvard.edu\/platform-rctom\/wp-content\/uploads\/sites\/4\/2018\/11\/Exhibit_3.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-large wp-image-35986\" src=\"https:\/\/d3.harvard.edu\/platform-rctom\/wp-content\/uploads\/sites\/4\/2018\/11\/Exhibit_3-1024x584.jpg\" alt=\"\" width=\"640\" height=\"365\" srcset=\"https:\/\/d3.harvard.edu\/platform-rctom\/wp-content\/uploads\/sites\/4\/2018\/11\/Exhibit_3-1024x584.jpg 1024w, https:\/\/d3.harvard.edu\/platform-rctom\/wp-content\/uploads\/sites\/4\/2018\/11\/Exhibit_3-300x171.jpg 300w, https:\/\/d3.harvard.edu\/platform-rctom\/wp-content\/uploads\/sites\/4\/2018\/11\/Exhibit_3-768x438.jpg 768w, https:\/\/d3.harvard.edu\/platform-rctom\/wp-content\/uploads\/sites\/4\/2018\/11\/Exhibit_3-600x342.jpg 600w, https:\/\/d3.harvard.edu\/platform-rctom\/wp-content\/uploads\/sites\/4\/2018\/11\/Exhibit_3.jpg 1583w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<p>Exhibit 2: Experience map for Samsung S Health App<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/d3.harvard.edu\/platform-rctom\/wp-content\/uploads\/sites\/4\/2018\/11\/Exhibit_4.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-large wp-image-35985\" src=\"https:\/\/d3.harvard.edu\/platform-rctom\/wp-content\/uploads\/sites\/4\/2018\/11\/Exhibit_4-1024x328.jpg\" alt=\"\" width=\"640\" height=\"205\" srcset=\"https:\/\/d3.harvard.edu\/platform-rctom\/wp-content\/uploads\/sites\/4\/2018\/11\/Exhibit_4-1024x328.jpg 1024w, https:\/\/d3.harvard.edu\/platform-rctom\/wp-content\/uploads\/sites\/4\/2018\/11\/Exhibit_4-300x96.jpg 300w, https:\/\/d3.harvard.edu\/platform-rctom\/wp-content\/uploads\/sites\/4\/2018\/11\/Exhibit_4-768x246.jpg 768w, https:\/\/d3.harvard.edu\/platform-rctom\/wp-content\/uploads\/sites\/4\/2018\/11\/Exhibit_4-600x192.jpg 600w, https:\/\/d3.harvard.edu\/platform-rctom\/wp-content\/uploads\/sites\/4\/2018\/11\/Exhibit_4.jpg 1591w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<p>Exhibit 3: Cigna BioBall event with Microsoft Hololens\u00a0<a href=\"#_ftn1\" name=\"_ftnref1\">[30]<\/a><\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/d3.harvard.edu\/platform-rctom\/wp-content\/uploads\/sites\/4\/2018\/11\/Exhibit_5.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-36051\" src=\"https:\/\/d3.harvard.edu\/platform-rctom\/wp-content\/uploads\/sites\/4\/2018\/11\/Exhibit_5.jpg\" alt=\"\" width=\"455\" height=\"617\" srcset=\"https:\/\/d3.harvard.edu\/platform-rctom\/wp-content\/uploads\/sites\/4\/2018\/11\/Exhibit_5.jpg 623w, https:\/\/d3.harvard.edu\/platform-rctom\/wp-content\/uploads\/sites\/4\/2018\/11\/Exhibit_5-221x300.jpg 221w, https:\/\/d3.harvard.edu\/platform-rctom\/wp-content\/uploads\/sites\/4\/2018\/11\/Exhibit_5-442x600.jpg 442w\" sizes=\"auto, (max-width: 455px) 100vw, 455px\" \/><\/a><\/p>\n<p><a href=\"https:\/\/d3.harvard.edu\/platform-rctom\/wp-content\/uploads\/sites\/4\/2018\/11\/Exhibit_6.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-large wp-image-36105\" src=\"https:\/\/d3.harvard.edu\/platform-rctom\/wp-content\/uploads\/sites\/4\/2018\/11\/Exhibit_6-1024x707.jpg\" alt=\"\" width=\"640\" height=\"442\" srcset=\"https:\/\/d3.harvard.edu\/platform-rctom\/wp-content\/uploads\/sites\/4\/2018\/11\/Exhibit_6-1024x707.jpg 1024w, https:\/\/d3.harvard.edu\/platform-rctom\/wp-content\/uploads\/sites\/4\/2018\/11\/Exhibit_6-300x207.jpg 300w, https:\/\/d3.harvard.edu\/platform-rctom\/wp-content\/uploads\/sites\/4\/2018\/11\/Exhibit_6-768x530.jpg 768w, https:\/\/d3.harvard.edu\/platform-rctom\/wp-content\/uploads\/sites\/4\/2018\/11\/Exhibit_6-600x414.jpg 600w, https:\/\/d3.harvard.edu\/platform-rctom\/wp-content\/uploads\/sites\/4\/2018\/11\/Exhibit_6.jpg 1174w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<p>Exhibit 4: Process map for claims-approval\u00a0<a href=\"#_ftn24\" name=\"_ftnref24\">[24]<\/a><\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/d3.harvard.edu\/platform-rctom\/wp-content\/uploads\/sites\/4\/2018\/11\/Exhibit_2-1.png\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-large wp-image-35868\" src=\"https:\/\/d3.harvard.edu\/platform-rctom\/wp-content\/uploads\/sites\/4\/2018\/11\/Exhibit_2-1-1024x575.png\" alt=\"\" width=\"640\" height=\"359\" srcset=\"https:\/\/d3.harvard.edu\/platform-rctom\/wp-content\/uploads\/sites\/4\/2018\/11\/Exhibit_2-1-1024x575.png 1024w, https:\/\/d3.harvard.edu\/platform-rctom\/wp-content\/uploads\/sites\/4\/2018\/11\/Exhibit_2-1-300x169.png 300w, https:\/\/d3.harvard.edu\/platform-rctom\/wp-content\/uploads\/sites\/4\/2018\/11\/Exhibit_2-1-768x432.png 768w, https:\/\/d3.harvard.edu\/platform-rctom\/wp-content\/uploads\/sites\/4\/2018\/11\/Exhibit_2-1-600x337.png 600w, https:\/\/d3.harvard.edu\/platform-rctom\/wp-content\/uploads\/sites\/4\/2018\/11\/Exhibit_2-1.png 1486w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<p>Exhibit 5: Funnel for AI-powered automated claims-processing\u00a0<a href=\"#_ftn24\" name=\"_ftnref24\">[24]<\/a><\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/d3.harvard.edu\/platform-rctom\/wp-content\/uploads\/sites\/4\/2018\/11\/Exhibit_1.png\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-large wp-image-35846\" src=\"https:\/\/d3.harvard.edu\/platform-rctom\/wp-content\/uploads\/sites\/4\/2018\/11\/Exhibit_1-1024x336.png\" alt=\"\" width=\"640\" height=\"210\" srcset=\"https:\/\/d3.harvard.edu\/platform-rctom\/wp-content\/uploads\/sites\/4\/2018\/11\/Exhibit_1-1024x336.png 1024w, https:\/\/d3.harvard.edu\/platform-rctom\/wp-content\/uploads\/sites\/4\/2018\/11\/Exhibit_1-300x98.png 300w, https:\/\/d3.harvard.edu\/platform-rctom\/wp-content\/uploads\/sites\/4\/2018\/11\/Exhibit_1-768x252.png 768w, https:\/\/d3.harvard.edu\/platform-rctom\/wp-content\/uploads\/sites\/4\/2018\/11\/Exhibit_1-600x197.png 600w, https:\/\/d3.harvard.edu\/platform-rctom\/wp-content\/uploads\/sites\/4\/2018\/11\/Exhibit_1.png 1752w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/><\/a><\/p>\n<p>Note: TNR is Total Net Reduction<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><strong><span style=\"text-decoration: underline\">Endnotes<\/span><\/strong><\/p>\n<p><a href=\"#_ftnref1\" name=\"_ftn1\">[1]<\/a> Amy Goldstein, \u201cTrump administration rewrites ACA insurance rules to give more power to states,\u201d Washington Post, April 9, 2018, <a href=\"https:\/\/www.washingtonpost.com\/national\/health-science\/trump-administration-rewrites-aca-insurance-rules-to-give-more-power-to-states\/2018\/04\/09\/94b738fa-3c0f-11e8-a7d1-e4efec6389f0_story.html?noredirect=on&amp;utm_term=.815e809e46a1\">https:\/\/www.washingtonpost.com\/national\/health-science\/trump-administration-rewrites-aca-insurance-rules-to-give-more-power-to-states\/2018\/04\/09\/94b738fa-3c0f-11e8-a7d1-e4efec6389f0_story.html?noredirect=on&amp;utm_term=.815e809e46a1<\/a>, accessed November 2018.<\/p>\n<p><a href=\"#_ftnref2\" name=\"_ftn2\">[2]<\/a> Cigna Corporation, 2017 Annual Report, p. 23, <a href=\"https:\/\/www.cigna.com\/assets\/docs\/about-cigna\/Investor%20Relations\/cigna-fourth-quarter-2017-form-10-k.pdf\">https:\/\/www.cigna.com\/assets\/docs\/about-cigna\/Investor%20Relations\/cigna-fourth-quarter-2017-form-10-k.pdf<\/a>, accessed November 2018.<\/p>\n<p><a href=\"#_ftnref3\" name=\"_ftn3\">[3]<\/a> Angelica LaVito, \u201cDOJ gives preliminary approval to CVS merger with Aetna, potentially changing how consumers access health care,\u201d CNBC, October 10, 2018, <a href=\"https:\/\/www.cnbc.com\/2018\/10\/10\/department-of-justice-approves-cvs-merger-with-aetna.html\">https:\/\/www.cnbc.com\/2018\/10\/10\/department-of-justice-approves-cvs-merger-with-aetna.html<\/a>, accessed November 2018.<\/p>\n<p><a href=\"#_ftnref4\" name=\"_ftn4\">[4]<\/a> Paul La Monica, \u201cWhat merger mania means for health care,\u201d CNN Business, March 8, 2018, <a href=\"https:\/\/money.cnn.com\/2018\/03\/08\/investing\/health-care-mergers-cigna-express-scripts-consolidation\/index.html\">https:\/\/money.cnn.com\/2018\/03\/08\/investing\/health-care-mergers-cigna-express-scripts-consolidation\/index.html<\/a>, accessed November 2018.<\/p>\n<p><a href=\"#_ftnref5\" name=\"_ftn5\">[5]<\/a> \u201cAbout Cigna,\u201d Cigna Corporation, 2018, <a href=\"https:\/\/www.cigna.com\/about-us\/\">https:\/\/www.cigna.com\/about-us\/<\/a>, accessed November 2018.<\/p>\n<p><a href=\"#_ftnref6\" name=\"_ftn6\">[6]<\/a> Cigna Corporation, 2017 Annual Report, p. 10, <a href=\"https:\/\/www.cigna.com\/assets\/docs\/about-cigna\/Investor%20Relations\/cigna-fourth-quarter-2017-form-10-k.pdf\">https:\/\/www.cigna.com\/assets\/docs\/about-cigna\/Investor%20Relations\/cigna-fourth-quarter-2017-form-10-k.pdf<\/a>, accessed November 2018.<\/p>\n<p><a href=\"#_ftnref7\" name=\"_ftn7\">[7]<\/a> Victor Villagra et al., \u201cHealth Insurance Literacy in Connecticut,\u201d <em>Health Insurance Literacy Survey Report <\/em>(April 2017), UConn Health, <a href=\"https:\/\/health.uconn.edu\/health-disparities\/wp-content\/uploads\/sites\/53\/2017\/04\/HIL-Brief-4_2017.pdf\">https:\/\/health.uconn.edu\/health-disparities\/wp-content\/uploads\/sites\/53\/2017\/04\/HIL-Brief-4_2017.pdf<\/a>, accessed November 2018.<\/p>\n<p><a href=\"#_ftnref8\" name=\"_ftn8\">[8]<\/a> Cara Livernois, \u201cCigna to answer more than 150 benefits-related questions via Amazon Alexa,\u201d AI in Healthcare, March 14, 2018, <a href=\"https:\/\/www.aiin.healthcare\/topics\/artificial-intelligence\/cigna-answer-more-150-benefits-related-questions-amazon-alexa\">https:\/\/www.aiin.healthcare\/topics\/artificial-intelligence\/cigna-answer-more-150-benefits-related-questions-amazon-alexa<\/a>, accessed November 2018.<\/p>\n<p><a href=\"#_ftnref9\" name=\"_ftn9\">[9]<\/a> Abrar Al-Heeti, \u201cAmazon\u2019s Alexa can answer your health care questions,\u201d CNet, March 13, 2018, <a href=\"https:\/\/www.cnet.com\/news\/amazons-alexa-can-answer-your-health-care-questions\/?mc_cid=b166a0e9d4&amp;mc_eid=04115f520b\">https:\/\/www.cnet.com\/news\/amazons-alexa-can-answer-your-health-care-questions\/?mc_cid=b166a0e9d4&amp;mc_eid=04115f520b<\/a>, accessed November 2018.<\/p>\n<p><a href=\"#_ftnref10\" name=\"_ftn10\">[10]<\/a> \u201cBringing Digital Health Coaching to 500 Million People,\u201d Mad-Pow, 2018, <a href=\"https:\/\/madpow.com\/work\/cigna\">https:\/\/madpow.com\/work\/cigna<\/a>, accessed November 2018.<\/p>\n<p><a href=\"#_ftnref11\" name=\"_ftn11\">[11]<\/a> \u201cSamsung and Cigna Release New Health and Fitness Application,\u201d Samsung Newsroom, May 18, 2015, <a href=\"https:\/\/news.samsung.com\/global\/samsung-and-cigna-release-new-health-and-fitness-application\">https:\/\/news.samsung.com\/global\/samsung-and-cigna-release-new-health-and-fitness-application<\/a>, accessed November 2018.<\/p>\n<p><a href=\"#_ftnref12\" name=\"_ftn12\">[12]<\/a> Taylor Holland, \u201cCorporate Wellness Programs Get a Boost from S Health and Coach by Cigna,\u201d Samsung Insights, October 13, 2015, <a href=\"https:\/\/insights.samsung.com\/2015\/10\/13\/corporate-wellness-programs-get-a-boost-from-s-health-and-coach-by-cigna\">https:\/\/insights.samsung.com\/2015\/10\/13\/corporate-wellness-programs-get-a-boost-from-s-health-and-coach-by-cigna<\/a>, accessed November 2018.<\/p>\n<p><a href=\"#_ftnref13\" name=\"_ftn13\">[13]<\/a> Gloria Barone, \u201cWith BioBall, Cigna Becomes First to use Microsoft Hololens Technology to Turn Health Screenings into Fun Gameplay,\u201d Cigna, February 28, 2017, <a href=\"https:\/\/www.cigna.com\/newsroom\/news-releases\/2017\/with-bioball-cigna-becomes-first-to-use-microsoft-hololens-technology-to-turn-health-screenings-into-fun-gameplay\">https:\/\/www.cigna.com\/newsroom\/news-releases\/2017\/with-bioball-cigna-becomes-first-to-use-microsoft-hololens-technology-to-turn-health-screenings-into-fun-gameplay<\/a>, accessed November 2018.<\/p>\n<p><a href=\"#_ftnref14\" name=\"_ftn14\">[14]<\/a> \u201cOne Guide,\u201d Cigna, 2018, <a href=\"https:\/\/www.cigna.com\/employers-brokers\/why-cigna\/one-guide\">https:\/\/www.cigna.com\/employers-brokers\/why-cigna\/one-guide<\/a>, accessed November 2018.<\/p>\n<p><a href=\"#_ftnref15\" name=\"_ftn15\">[15]<\/a> Bruce Japsen, \u201cCigna Launches $250M Fund to Invest in Start-Ups,\u201d Forbes, September 12, 2018, <a href=\"https:\/\/www.forbes.com\/sites\/brucejapsen\/2018\/09\/12\/cigna-launches-250m-fund-to-invest-in-start-ups\/#3444aeb798c1\">https:\/\/www.forbes.com\/sites\/brucejapsen\/2018\/09\/12\/cigna-launches-250m-fund-to-invest-in-start-ups\/#3444aeb798c1<\/a>, accessed November 2018.<\/p>\n<p><a href=\"#_ftnref16\" name=\"_ftn16\">[16]<\/a> Reed Abelson, \u201cMerger of Cigna and Express Scripts Gets Approval from Justice Department,\u201d New York Times, September 17, 2018, <a href=\"https:\/\/www.nytimes.com\/2018\/09\/17\/health\/cigna-express-scripts-merger.html\">https:\/\/www.nytimes.com\/2018\/09\/17\/health\/cigna-express-scripts-merger.html<\/a>, accessed November 2018.<\/p>\n<p><a href=\"#_ftnref17\" name=\"_ftn17\">[17]<\/a> Michael Solomon, \u201cCombining health Insurers and Pharmacy Benefit Managers: Bringing Down the Information Silos,\u201d Point of Care Partners, May 18, 2018, <a href=\"https:\/\/www.pocp.com\/combining-health-insurers-and-PBMs-part-2\">https:\/\/www.pocp.com\/combining-health-insurers-and-PBMs-part-2<\/a>, accessed November 2018.<\/p>\n<p><a href=\"#_ftnref18\" name=\"_ftn18\">[18]<\/a> Cigna Corporation, 2017 Annual Report, p. 7, <a href=\"https:\/\/www.cigna.com\/assets\/docs\/about-cigna\/Investor%20Relations\/cigna-fourth-quarter-2017-form-10-k.pdf\">https:\/\/www.cigna.com\/assets\/docs\/about-cigna\/Investor%20Relations\/cigna-fourth-quarter-2017-form-10-k.pdf<\/a>, accessed November 2018.<\/p>\n<p><a href=\"#_ftnref19\" name=\"_ftn19\">[19]<\/a> Mark Boxer, \u201cCigna uses artificial intelligence to sift through big data \u2018noise,\u2019\u201d Managed Healthcare Executive, February 8, 2018, <a href=\"http:\/\/www.managedhealthcareexecutive.com\/mhe-articles\/cigna-uses-artificial-intelligence-sift-through-big-data-noise\">http:\/\/www.managedhealthcareexecutive.com\/mhe-articles\/cigna-uses-artificial-intelligence-sift-through-big-data-noise<\/a>, accessed November 2018.<\/p>\n<p><a href=\"#_ftnref20\" name=\"_ftn20\">[20]<\/a> Yuliya Kutuzava, \u201cPrognos, Healthcare AI Company, raises $20.5 Million Towards Predicting Disease the Earliest,\u201d Globe Newswire, November 30, 2017, <a href=\"https:\/\/globenewswire.com\/news-release\/2017\/11\/30\/1212178\/0\/en\/Prognos-Healthcare-AI-Company-Raises-20-5-Million-Towards-Predicting-Disease-the-Earliest.html\">https:\/\/globenewswire.com\/news-release\/2017\/11\/30\/1212178\/0\/en\/Prognos-Healthcare-AI-Company-Raises-20-5-Million-Towards-Predicting-Disease-the-Earliest.html<\/a>, accessed November 2018.<\/p>\n<p><a href=\"#_ftnref21\" name=\"_ftn21\">[21]<\/a> Kumba Sennaar, \u201cData Mining Medical Records with machine Learning \u2013 5 Current Applications,\u201d TechEmergence, July 25, 2018, <a href=\"https:\/\/www.techemergence.com\/data-mining-medical-records-with-machine-learning-5-current-applications\">https:\/\/www.techemergence.com\/data-mining-medical-records-with-machine-learning-5-current-applications<\/a>, accessed November 2018.<\/p>\n<p><a href=\"#_ftnref22\" name=\"_ftn22\">[22]<\/a> Mary Caffrey, \u201cCigna Leads $50M Round of Financing for Omada Health,\u201d AJMC, June 14, 2017, <a href=\"https:\/\/www.ajmc.com\/newsroom\/cigna-leads-50m-round-of-financing-for-omada-health\">https:\/\/www.ajmc.com\/newsroom\/cigna-leads-50m-round-of-financing-for-omada-health<\/a>, accessed November 2018.<\/p>\n<p><a href=\"#_ftnref23\" name=\"_ftn23\">[23]<\/a> Laura Lorenzetti, \u201cThis Company Is Tackling Diabetes with \u2018Digital Therapeutics,\u2019\u201d Fortune, April 22, 2016, <a href=\"http:\/\/fortune.com\/2016\/04\/22\/omada-digital-health-diabetes\/\">http:\/\/fortune.com\/2016\/04\/22\/omada-digital-health-diabetes\/<\/a>, accessed November 2018.<\/p>\n<p><a href=\"#_ftnref24\" name=\"_ftn24\">[24]<\/a> Steffen Hehner et al., \u201cArtificial intelligence in Health Insurance,\u201d McKinsey and Company, September 2017, <a href=\"https:\/\/healthcare.mckinsey.com\/sites\/default\/files\/Artificial%20intelligence%20in%20Health%20Insurance.pdf\">https:\/\/healthcare.mckinsey.com\/sites\/default\/files\/Artificial%20intelligence%20in%20Health%20Insurance.pdf<\/a>, accessed November 2018.<\/p>\n<p><a href=\"#_ftnref25\" name=\"_ftn25\">[25]<\/a> \u201cThe Challenge of Health Care Fraud,\u201d National Health Care Anti-Fraud Association, 2018, <a href=\"https:\/\/www.nhcaa.org\/resources\/health-care-anti-fraud-resources\/the-challenge-of-health-care-fraud.aspx\">https:\/\/www.nhcaa.org\/resources\/health-care-anti-fraud-resources\/the-challenge-of-health-care-fraud.aspx<\/a>, accessed November 2018.<\/p>\n<p><a href=\"#_ftnref26\" name=\"_ftn26\">[26]<\/a> Steven Melendez, \u201cInsurers turn to artificial intelligence in war on fraud,\u201d Fast Company, June 26, 2018, <a href=\"https:\/\/www.fastcompany.com\/40585373\/to-combat-fraud-insurers-turn-to-artificial-intelligence\">https:\/\/www.fastcompany.com\/40585373\/to-combat-fraud-insurers-turn-to-artificial-intelligence<\/a>, accessed November 2018.<\/p>\n<p><a href=\"#_ftnref27\" name=\"_ftn27\">[27]<\/a> Ramnath Balasubramanian et al., \u201cInsurance 2030\u2014The impact of AI on the future of insurance,\u201d McKinsey and Company, April 2018, <a href=\"https:\/\/www.mckinsey.com\/industries\/financial-services\/our-insights\/insurance-2030-the-impact-of-ai-on-the-future-of-insurance\">https:\/\/www.mckinsey.com\/industries\/financial-services\/our-insights\/insurance-2030-the-impact-of-ai-on-the-future-of-insurance<\/a>, accessed November 2018.<\/p>\n<p><a href=\"#_ftnref28\" name=\"_ftn28\">[28]<\/a> Susan Morse, \u201cHow artificial intelligence can save health insurers $7 billion,\u201d Healthcare Finance, August 10, 2018, <a href=\"https:\/\/www.healthcarefinancenews.com\/news\/how-artificial-intelligence-can-save-health-insurers-7-billion\">https:\/\/www.healthcarefinancenews.com\/news\/how-artificial-intelligence-can-save-health-insurers-7-billion<\/a>, accessed November 2018.<\/p>\n<p><a href=\"#_ftnref29\" name=\"_ftn29\">[29]<\/a> Mark Brohan, \u201cCigna ponies up $250 million to invest in digital healthcare and data,\u201d Digital Commerce 360, September 12, 2018, <a href=\"https:\/\/www.digitalcommerce360.com\/2018\/09\/12\/cigna-ponies-up-250-million-to-invest-in-digital-healthcare-and-data\/\">https:\/\/www.digitalcommerce360.com\/2018\/09\/12\/cigna-ponies-up-250-million-to-invest-in-digital-healthcare-and-data\/<\/a>, accessed November 2018.<\/p>\n<p><a href=\"#_ftnref1\" name=\"_ftn1\">[30]<\/a> \u201cWith BioBall, Cigna Becomes First to Use Microsoft HoloLens Technology To Turn Health Screenings into Fun Gameplay,\u201d Cigna, February 28, 2017, <a href=\"https:\/\/www.multivu.com\/players\/English\/8033651-cigna-bioball-health-screenings-game\/\">https:\/\/www.multivu.com\/players\/English\/8033651-cigna-bioball-health-screenings-game\/<\/a>, accessed November 2018.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Artificial intelligence is changing the way Cigna and other health insurers engage with users, enabling improved health outcomes and lower 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