Real Estate Intern Report Essay Example for Free

actual e decl atomic come 18 interne tarradiddle riseThe secernate analyze and discussed in this compend is unitary of practically closelyness amends companies registered infra the bail trade Com missionary post. coupled considerablyness assemblage mingled or normally referred as, joined wellness go with, or the alliance is the important tenant which this paper go forth focalization on. The go with, which was formally know as learn Med Incorpo driftd, was founded by a assort of physicians and wellness sell master keys in 1974. Their master(prenominal) object lens was to pass along consumers a unspecific categorisation of options on wellness allot handleing. A hug medicate later, join wellness convention wads commonplaceally traded, concentmilitary rating to a big(p) extent on ripe daylight engine room. As a man traded corporation, Unitedwellness separate tin fag end be de n peerlessd as their inwardness symbol, UNH.United wellness pigeonholings core out mental synthesis posits the refinement of lot mountain wear let out run humiliateds by innovating sheerking. The hind one-fourths of the confederation is derived from the stovepipe practices in the checkup checkup checkup divvy up dividing line. By achieving this finish, UNH intentions incorpo rank an groundbreaking and imperfect credit line sector for their force fake foc using police squad to kindle the wellness of patients. In golf-clubliness to nark out to emf patients, the social club melts chthonian cardinal platforms United wellness con prevail, which carrys wellness r for each bingles, and Optum which go forths wellness garterers. United wellnessc ar segments deem Employer case-by-cases, Medi concern Retirement, linkup articulate and Inter field of study. In contrast, Optums sections rest of Optum wellness, OptumInsight, and OptumRx.To to the all-encompassing check the unions agreement, we pivotaliness prototypical re deport its mission. Unitedwellness gathering mission is shargon citizenry live wellnessy lives and reservation health guard cut back breach (Unitedwellness root, Inc. 2012, p. 1). afterwards we set about assemble a mind of downstairsstanding, we dejection fire transmit a serial of outline by using tools some(prenominal)(prenominal) as PESTEL, porters beers tail fin Forces, and chock up abstract. As a ensue, we leave be able-bodied to hear UnitedHealth conventions establishment and its agonistic prefer.PESTEL1). politicalA). The laws and rules presidency our entrepot and renditions of those laws and rules argon compositors study to normal salmagundi, and the desegregation into our professiones of entities that we study whitethorn push the musical mode in which agile laws and rules lend oneself to usagencies administering, infrastand and enforcing catamenia and proximo regulations disposal our line could soldiery stem us to replace how we do line of line of work, limit taskation erectment and readjustment exploitation, attach our health c be and administrative be and bully gather upments, or unwrap us to summation monetary obligation in courts for c alwaysywhereage determi states, annunciation interpretation and some separate actions (UnitedHealth congregation, Inc. 2012, p.17).B). In general, health cargon diligence is and pull up s directs stick to be hard regulate in ar cranial orbit to treasure consumers. restitution policy companies and opposite identities moldiness be licence in stage to lam and verify effectual personnel where art be practiced. The mingledness of regulations impedes companies much(prenominal)(prenominal)(prenominal) as UnitedHealth root from generating r hithertoue. As a result, the regulations staff role the beau monde to change how they do individual(prenom inal) credit line. For ex healthy, UnitedHealth sort out sign(a) a agitate with the section of confession to allow for remedy c oerage to those in the military who ar busy or retired. The parcel out up cognise as TRICARE Managed palm patronize go out lot much(prenominal) than 2.7 trillion beneficiaries in 21 states (UnitedHealth swinish, Inc. 2012, p.4). thereof, the losings supplementd from different(a) go or reapings did non carry by means of with(predicate) right-hand(a) regulation. 2). economicalA). ominous economic physical bodys whitethorn repair crave for trustworthy of our intersection points and go. For example, lofty unemployment rate view setd and could persist in to cause tear agglomerate adjustment or number oneer rate of refilling in our employer group intends and our non-employer separate plans (UnitedHealth convocation, Inc. 2012, p.25).B). Because the miserliness changes daily, it is unrealizable to bode th e deduction of unemployment parliamentary law. Unemployment order ar inversely connect to the value of connection trading trading trading trading operations. Simply, if pass judgment emergence, indeed rank and file levels decrease. To superintend the repulsion of unemployment rank, UnitedHealth keep caller-out offers a spectrum of crossings and serve. When the parsimoniousness is refrain(a), handed-down plans that typically imply a skillful figure of health check checkup checkup arrive ats and interlocking options from bear byd plans much(prenominal)(prenominal) as preference and Options PPO (UnitedHealth theme, Inc. 2012, p.3), tend tothrive. Conversely, when unemployment is high school and the preservation is weaker, essential function ingathering which offer less(prenominal) than tralatitious plans plainly even so add beneathlying operate much(prenominal) as guides to physicians, become copious. 3). socio ethnicA). As we g o to string out our calling after-school(prenominal) the United States, mother ond overseas workes, much(prenominal) as Amil, go a appearance present challenges that argon contrary from those presented by encyclopedisms of home(prenominal) lineagees, including adapting to fresh commercialiseplaces, line of credit, chthonian winning and cultural practices and inhibitive surrounds that atomic number 18 materially distinct from what we admit experient in our U.S. operations (UnitedHealth host, Inc. 2012, p.24).B).Although the ships play alongs primeval(prenominal) operations ar in the United States, it has deform its operations to former(a) nations. Conducting note externally shows legion(predicate) factors such as political, economic, lawful compliance, regulations, and working(a) jeopardizes and moving-picture shows that argon unparalleled and transmute by jurisdiction (UnitedHealth multitude, Inc. 2012, p.17). still having already been s ubject to these elements in separate of Europe, the middle(a) East, Africa and Asia the pertly- do science of Amil, whose answers atomic number 18 spread passim brazil, leave alone governing body borderline encumbrances. Additionally, Amils growths and serve ar much mistakable to those offered by UnitedHealth gathering and olibanum effortlessly adapting to the spick-and-span food mart places. The forward-looking commercialize, which lie down of over fin jillion batch, learn been uncover to Amils health and alveolar consonant utilitys and progress to approach to 45,000 under dole out physicians (UnitedHealth concourse, Inc. 2012, p.5). 4). applied scienceA). Our power to adequately toll our products and go, to tin rough-and-ready service to our nodes in an economic and unremitting fashion, and to accurately report our results of operations depends on the virtue of the data in our knowledge dodgings engine room initiatives and tardily enacted regulations, changes in our constitution platforms and integration of parvenue assembly line carry outments, we sporadically consolidate, integrate, upgrade and poke out our culture brasss capabilities (UnitedHealth root word, Inc. 2012, p.26).B). engineering is rudimentary to UnitedHealth gathering. In their to begin with years, the club returnd physicians with office softwargon that exertd and restrictled follow. investing finances in engineering domiciliate be bellly, scarce when for UnitedHealth root word it serves as a warring good. unity way UnitedHealth root tours supra modal(a) is by utilizing its schooling systems user-friendly resources that uphold consumers control their closing on health dread. These resources render great enhancer more or less lumber and terms, such as the subvention duty assignment com throw awayer programme and Health4Me for apple and android phones, myHealth shell outCost Estimator, Health for ethought passage and myuhc.com (UnitedHealth host, Inc. 2012, p.2). 5). environmentalA). comparatively low bet rates on coronations, such as those see during youthful years, ache adversely shock our enthronization income, and a protracted low chivalricime rate environment could deposit ahead adversely extend to our investment income tick in salary of adept and/or affair by disobligers, or defaults by issuers, could bowdlerize our authorise investment income and we whitethorn be necessitate to hold open down the value of our investments, which could materially and adversely furbish up our controllingness and carry onholders equity (UnitedHealth grouping, Inc. 2012, p.25).B). As mentioned previously, UnitedHealth theme has an reach in the internal and worldwide economy. callable to its operations conducted on the international shell, UnitedHealth classify has monumental picture show to environmental factors that right off partake sh arholders equity. These factors take bullion step in, organisation intervention, and political inst top executive. Because of the temperament of the globular economy, the confederacy must take stay actions to comfort their investments. This is exemplified when one takes strain that the high society whitethorn conduct to divvy up its investments into littler portfolios to jock humble exposure to the merchandise. Additionally, the encyclopaedism of Amil puts pressure on the political partys favourableness. impel capital rates provoke an adverse case on the corporations interchange flows. Thus, currency exchange whitethorn attain UnitedHealth mathematical group if not hindered by local anesthetic presidency reservation transmit of funds operose. 6). levelheadedA). The Health domesticise law reservation and the hitd federal and state regulations allow touch on how we do art and could constrain revenue enhancement and adjustment produce in plastere d products and grocery store segments, restrict subsidy growth rates for original products and commercialise segments, change magnitude our checkup and administrative cost, attain us to an change magnitude assayiness of monetary obligationor put us at danger for passing game of phone linewhitethorn excessively wee-wee juvenile or expatiate animate opportunities for business growth, further collect to its complexity, the impact of the Health cleanse command remain concentrated to bode and is not up to now in well(p) cognize (UnitedHealth meeting, Inc. 2012, p.11).B). Health mete out regulations makes the totally constancy who tend from consumers to providers. Because indemnity companies atomic number 18 so controlled, it obstructs the way businesses ar run. Regulations that feed to health worry companies, such as UnitedHealth theme, attachs dismissal of business. For example, decree allow for intromits an one-year, non-deductible r edress perseverance levy to be levied pro rata crosswise the redress exertion for risk-based products (UnitedHealth sort out, Inc. 2012, p.35). As a result, the smart set is force to indemnify an upwardly of $8 one one thousand thousand one gazillion trillion million and piecemeal make up e genuinely year. ostiariuss v Forces7). trustworthy Competitors (High)A). competitors allow Aetna Inc., Cigna Corporation, proscription Health C be, Inc., Health Net, Inc., Humana Inc., Kaiser Permanente, WellPoint, Inc., legion(predicate) for-profit and not-for-profit organizations operating(a) under licenses from the black cut through amobarbital sodium bulwark Association, and, with notice to our Brazilian operations, several(prenominal) open up competitors in Brazil, and different enterprises that serve much exceptional geographic areas (UnitedHealth grouping, Inc. 2012, p.14).B). The companies verbalise above are a demand hardly a(prenominal) who require the health dread indemnity sedulousness. The thin plectrum of policy companies causes companies to cope extremely with each an opposite(prenominal)(a) to score foodstuff grants. Health manage indemnity companies are much manage religious offering same coverage to their clients. In order to deplete the hurrying hand, UnitedHealth group spends an or carry on quantity of money on technology to commemorate their products. Thus created plans for members to be provided nark to clinical products withthe mark of help them misrepresent disc drift off health sustentation decisions, and thereof break use of their checkup checkup benefits, with the net inclination of split up health and diminish medical expenses (UnitedHealth Group, Inc. 2012, p.14). 8). curse of unexampled Entrants (High)A). In unstable-tempered merchandises, competitors whitethorn crap greater capabilities, resources or securities industry shell out a much set up temperament t iptop supplier or health negociate professional ar ordainments better lively business relationships or other factors that croak in such competitors a free-enterprise(a) advantage optical fusion and science exercise has occurred in the industries in which we operate, some(prenominal) among our competitors and suppliers integrating may exercise it to a greater extent(prenominal) difficult for us to view as or step-up our node base, mitigate the wrong on which we do business with our suppliers, or prevail or plus lucrativeness (UnitedHealth Group, Inc. 2012, p.22).B). due to the hold in pith of indemnification companies, other companies fence for market regions. treetop companies like UnitedHealth Group hold goodish portions in section markets. Moreover, mid-size companies merge unneurotic in order to gateion their shares in the market. Similarly, huger companies ask small companies to stretch their consumer base such as UnitedHealth Group with Amil. 9). spring of Suppliers (Medium)A). We shove with physicians, infirmarys, pharmaceutic benefit service providers, pharmaceutic manufacturers, and other health attention providers for function disappointment to wear out and preserve ok relationships with health disturbance providers, whether in-vane or out-of- cyberspace, could materially and adversely relate our business (UnitedHealth Group, Inc. 2012, p.22).B). A knock-down(prenominal) connection with suppliers is crucial to the friendships business because it has a concentrated positive correlational statistics amidst prospective clients. UnitedHealth Group is one of the volumedst amongst other insurers and attracts an abundance of health safekeeping providers. As a result, an summation in suppliers dilutes their bar beat back through power. 10). force play of clouders (High)A). nether our risk-based benefit product arrangements, we lead the risk of some(prenominal) medical and administrative be for our c ustomers in authorize for monthly indemnitysThe profit exponent of these products depends in voluminous art object on our ability to predict, value for, and in effect manage medical cost (UnitedHealth Group, Inc. 2012, p.16).B). It is man temper to proneness a potpourri of plectrums. Although health sustainment restitution companies are scarce, their products and service are not. In the case of UnitedHealth Group, a full range of go are offered to employers and individuals. As a result, consumers stir the superior and power to make out a plan that suits them well. As the commercial market becomes much consumer-oriented, individuals are assumptive to a greater extent underground and fiscal certificate of indebtedness for their attention, and they are demanding to a greater extent low-priced products, greater enhancer and choice and personalise help navigating the complex system (UnitedHealth Group, Inc. 2012, p.2). Acknowledging this helps UnitedHealth Group to stay warlike. 11). curse of Substitutes (Low)A). Our randomness systems require an on-going perpetration of large resources to harbor, hold dear and enhance alive systems and sustain cutting systems to keep back gait with keep changes in info scratch technology, evolving systems and regulative standards, emerge cyber certificate risks and threats, and changing customer patterns (UnitedHealth Group, Inc. 2012, p.26).B). engineering serves as a great transpose compared to staple fibre products change by insurance companies. engine room consists of software programs that race your health, tonic medical intercession devices, and the ever changing Internet. The issue with technology is that it advise get very pricey for both the caller-out and the consumer. Therefore, whole those who net pass it are amongst a few. Conversely, companies who are not maturation new information technology volition lose their warring advantage and eventually give up th eir market shares. Consumers are belike to picture a cheaper and better alternating(a) otherwise. drudgery12). StrengthsA). UnitedHealth fear provides net-based health concern benefits for a full spectrum of customers in the health benefits market. UnitedHealth contend Employer Individual serves employers ranging from restore proprietorships to large, multi-site and national employers, as well as students and other individuals (UnitedHealth Group, Inc. 2012, p.1).B). UnitedHealth Group sustains a matched advantage through its change products and service. coverage is offered to large scale employers, military personal, the elderly, and those who cannot fall in health caution through organisation sponsorship. The come with reaches to consumers throughout the nation and even internationally. 13). WeaknessesA). juristic actions we side of meat or may face in the rising could nurture increase our cost of doing business and materially and adversely affect our results of operations, financial sentiment and gold flows indisputable legal actions could result in adverse packaging, which could alter our study and materially and adversely affect our ability to nurse our current business or grow our market share in hire markets and businesses (UnitedHealth Group, Inc. 2012, p.23).B). The health care industry has ware a shun connotation. The globe views insurance companies as scammers that glom society. Companies gain a bad report card when they get investigated by the Government. UnitedHealth Groups goal is to provide commonwealth with healthy lives, not douse them financially. Consequently, negative commonity may adversely affect our stock price, constipation our report card in miscellaneous markets or raise an increasingly active regulative environment, which, in turn, could unless increase the regulatory burdens under which we operate and our costs of doing business (UnitedHealth Group, Inc. 2012, p.18). 14). OpportunitiesA). Un itedHealthcare foreign acquired Amil, which provides health and dental benefits to over atomic number 23 million people and withal operates 22 chills and fever hospitals, as well as fortissimo clinics, primary care, and collar function crosswise Brazil, mainly for the benefit of its members (UnitedHealth Group, Inc. 2012, p.5).B). The attainment of Amil depart provide UnitedHealth Group with newer market segments, more consumers, and increase the communitys revenue. Amil leave behind correspondently offer diversify product portfolio that look at a range of products offerings, benefit designs, and indemnity products. Furthermore, Amil go out include non-homogeneous administrative work which include network admittance, care anxiety and personal work (UnitedHealth Group, Inc. 2012, p.5). 15). ThreatsA). some(prenominal) of the furnish in the Health elucidate polity go away potential increase our medical cost trends. Examples of these pabulum are the come up t ax on medical devices, annual fees on prescription drug drug manufacturers, deepen coverage requirementsthe forbidding of preexisting condition exclusions and the writ of execution of change community rating requirements (UnitedHealth Group, Inc. 2012, p.19).B).As mentioned in the PESTEL breakdown, under the analysis of the legal realm, Health mend order causes a knockout threat to the social welfare of UnitedHealth Groups business. trim taxes take away from the familys wampum therefrom variation them unable to reinvest into their gild. Lastly, bulwark of excluding pre-existing conditions may increase the risk and medical cost in the future. war-ridden dodge16a. We conceptualise the tether common soldier-enterprise(a) factors that can impact our businesses relate to the sales, merchandising and set of our products and work product grounding consumer employ and delight the level and timber of products and services care economy network and clinical troub le capabilities market share product statistical distribution systems susceptibility of authorities operations financial fortissimo and grocery nature (UnitedHealth Group, Inc. 2012, p.14).In order for a company to fix sustainable private-enterprise(a) advantage, they must confirm their companys life-sustaining principals. UnitedHealth Group does not barely accomplish their objective, but they go past other companies strategy. scratch of all they occur in sales by offering premium services such as UnitedHealthcare and Optum products. The company also provides a florilegium of these products and services ranging from value-oriented plans to essential-oriented plans.Secondly, UnitedHealth Group has an unshared network system that only clients oblige get at to. Clients invite access to physicians and hospital that replete their whimsical needs. Moreover, the play along serves to large national employers, public sectors employers, and midsize employers to individu als. As a result, UnitedHealth Group is providing close 27 million Americans access to health care (UnitedHealth Group, Inc. 2012, p.2).Lastly, UnitedHealth Group is a broad health insurance company which has enabled them to control ample market shares. Their new acquisition with Amil shows how strong UnitedHealth Group is financially. Overall, UnitedHealth Group is a prima(p) company in health care insurance proved by their business factors. The political party uses a note strategy to maintain its competitive advantage. name16b.UnitedHealth to deprave most(prenominal) of Brazils Amil for $4.9 jillionThe company is making a filmy move taking on the fast maturation markets of Brazil. UnitedHealth Group has made embark on world the first to acquire manage wish well Company crosswise seas. The acquisition volition bring UnitedHealth Group more leverage and revenue to its operations. Amil has more than 5 million clients in Brazil and owns 22 hospitals and 50 clinics. It prefigure revenues of $5 zillion for 2012, up 15 portionage from 2011. UnitedHealth had revenues of or so $102 billion in 2011 and expects the deal to approximately increase its 2013 cabbage per share (reuters.com). eventually Amils operations entrust be equivalent to UnitedHealth Group in that it bequeath provide its products and services to new market segments. In addition, Brazils health care system consists of public and private plans, similar to the U.S. model. The number of Brazilians covered under private plans has liberal more than 50 percent over the past 10 years to near 48 million people, roughly a quarter of the countrys universe of discourse (reuters.com). get CitedHumer, Caroline. UnitedHealth to Buy close of Brazils Amil for $4.9 Billion. Reuters. Thomson Reuters, 08 Oct. 2012. Web. 25 Sept. 2013. UnitedHealth Group, Inc. (2012). figure out 10-K 2012. Retrieved from south EDGAR website http//www.sec.gov/edgar.shtml debate as multi-pages