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What CVS Health Owns (Vertical Integration Breakdown) 1. Insurance • Aetna — national health insurance company • All state‑level Aetna health plans (Medicare, Medicaid, commercial) 2. Pharmacy Benefit Manager (PBM) • CVS Caremark — “The PBM negotiates drug prices, manages prescription coverage for insurers, and decides which medications patients can access and at what cost.” 3. Retail Pharmacy • CVS Pharmacy — 9,000 retail pharmacy locations • Target Pharmacy (operated by CVS) — all in‑store Tar
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What CVS Health Owns (Vertical Integration Breakdown) 1. Insurance • Aetna — national health insurance company • All state‑level Aetna health plans (Medicare, Medicaid, commercial) 2. Pharmacy Benefit Manager (PBM) • CVS Caremark — “The PBM negotiates drug prices, manages prescription coverage for insurers, and decides which medications patients can access and at what cost.” 3. Retail Pharmacy • CVS Pharmacy — 9,000 retail pharmacy locations • Target Pharmacy (operated by CVS) — all in‑store Tar
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Aetna insurance is accused of filing false claims, and not fixing them, to make the company more $.
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