Optum can steer UnitedHealthcare insurance members to care providers that can save them 20% compared with similar plans, executives said. Meanwhile, Optum can profit from selling its own pharmacy-benefits services to other insurers. UnitedHealth shares took a hit Tuesday, falling 1.2% after it issued 2020 adjusted earnings guidance. The New York company said just before its Investor Day that it's forecasting 2020 adjusted earnings per share of between $16.25 and $16.55, with the midpoint of $16.40 missing analysts' estimates of $16.46 by 3%. The company guided for revenue of between $260 billion and $262 billion, compared with analysts' expectation of $260.2 billion. But UNH management usually guides conservatively. In fact, UnitedHealth has beaten adjusted-EPS estimates in each of the past eigjht quarters and it has beaten revenue estimates in six of the past eight quarters. UnitedHealth is a holding in Jim Cramer's Action Alerts PLUS Charitable Trust Portfolio.