Reserves for litigation matters, pre-tax

  
Revenue from external customers includes Pharmacy revenues, Premiums and Fees and other revenues. The following table presents these revenues by product, premium and service type for the three and nine months ended September 30, 2022 and 2021:

|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  | Three Months Ended September 30, |  | Nine Months Ended September 30, |  |  |
| (In millions) |  | 2022 |  | 2021 |  | 2022 |  | 2021 |  |  |
| Products (Pharmacy revenues) (ASC 606) |  |  |  |  |  |  |  |  |  |  |
| Network revenues |  | $ | 16,583  |  |  | $ | 16,488  |  |  | $ | 48,221  |  |  | $ | 47,792  |  |  |  |
| Home delivery and specialty revenues |  | 15,583  |  |  | 13,796  |  |  | 45,550  |  |  | 39,911  |  |  |  |
| Other revenues |  | 1,630  |  |  | 1,701  |  |  | 5,009  |  |  | 4,708  |  |  |  |
| Intercompany eliminations |  | (1,034) |  |  | (972) |  |  | (3,349) |  |  | (3,326) |  |  |  |
| Total pharmacy revenues |  | 32,762  |  |  | 31,013  |  |  | 95,431  |  |  | 89,085  |  |  |  |
| Insurance premiums (ASC 944) |  |  |  |  |  |  |  |  |  |  |
| Cigna Healthcare |  |  |  |  |  |  |  |  |  |  |
| U.S. Commercial |  |  |  |  |  |  |  |  |  |  |
| Insured |  | 3,821  |  |  | 3,591  |  |  | 11,312  |  |  | 10,692  |  |  |  |
| Stop loss |  | 1,384  |  |  | 1,225  |  |  | 4,053  |  |  | 3,613  |  |  |  |
| Other |  | 353  |  |  | 320  |  |  | 1,065  |  |  | 938  |  |  |  |
| U.S. Government |  |  |  |  |  |  |  |  |  |  |
| Medicare Advantage |  | 1,949  |  |  | 2,079  |  |  | 6,080  |  |  | 6,287  |  |  |  |
| Medicare Part D |  | 240  |  |  | 315  |  |  | 986  |  |  | 1,175  |  |  |  |
| Other |  | 1,029  |  |  | 1,241  |  |  | 3,007  |  |  | 3,606  |  |  |  |
| International Health |  | 732  |  |  | 646  |  |  | 2,146  |  |  | 1,920  |  |  |  |
| Total Cigna Healthcare |  | 9,508  |  |  | 9,417  |  |  | 28,649  |  |  | 28,231  |  |  |  |
| Divested international businesses |  | —  |  |  | 800  |  |  | 1,500  |  |  | 2,418  |  |  |  |
|  |  |  |  |  |  |  |  |  |  |  |
| Other |  | 76  |  |  | 61  |  |  | 219  |  |  | 169  |  |  |  |
| Intercompany eliminations |  | 2  |  |  | (3) |  |  | —  |  |  | (6) |  |  |  |
| Total premiums |  | 9,586  |  |  | 10,275  |  |  | 30,368  |  |  | 30,812  |  |  |  |
| Services (Fees) (ASC 606) |  |  |  |  |  |  |  |  |  |  |
|  |  |  |  |  |  |  |  |  |  |  |
| Evernorth |  | 1,875  |  |  | 1,623  |  |  | 5,289  |  |  | 4,393  |  |  |  |
| Cigna Healthcare |  | 1,530  |  |  | 1,433  |  |  | 4,504  |  |  | 4,292  |  |  |  |
| Other Operations |  | —  |  |  | 4  |  |  | 9  |  |  | 14  |  |  |  |
| Other revenues |  | (39) |  |  | 23  |  |  | 108  |  |  | 150  |  |  |  |
| Intercompany eliminations |  | (638) |  |  | (551) |  |  | (1,887) |  |  | (1,525) |  |  |  |
| Total fees and other revenues |  | 2,728  |  |  | 2,532  |  |  | 8,023  |  |  | 7,324  |  |  |  |
| Total revenues from external customers |  | $ | 45,076  |  |  | $ | 43,820  |  |  | $ | 133,822  |  |  | $ | 127,221  |  |  |  |

  
Evernorth may also provide certain financial and performance guarantees, including a minimum level of discounts a client may receive, generic utilization rates and various service levels. Clients may be entitled to receive compensation if we fail to meet the guarantees. Actual performance is compared to the contractual guarantee for each measure throughout the period and the Company defers revenue for any estimated payouts within Accrued expenses and other liabilities (current). These estimates are adjusted and paid following the end of the annual guarantee period. Historically, adjustments to original estimates have not been material. This guarantee liability was $1.1 billion as of September 30, 2022 and December 31, 2021.39
