Patrick Conway

We have a partner delivering in-home primary care for chronically ill patients and frail elderly.

And then lastly, we are looking at partners for new bricks and mortar.

We're in Medicare and commercial and ACA now, but we're planning to go into Medicaid as well.

So we need providers that really specialize on taking care of some of the sickest, often poor patients with multiple chronic conditions.

that I want us to be the best mental and behavioral health plan in the country.

And what I mean by that is that we focus on actually providing mental and behavioral health to everyone who needs it, which unfortunately is not always the frame.

So we're looking at an array of partners, both integrated into primary care to deliver mental and behavioral health, telehealth enabled.

I'll give you one example that I found interesting, and we're actually looking at a company that did a study of counseling

to people who needed behavioral counseling in person versus telehealth with a person versus avatar powered by AI.

Avatar powered by AI had better health outcomes, lower cost, and especially in the millennial generation, it was by far the preferred solution.

So it's really thinking about health care differently and how we solve the access problems and the quality issues in mental and behavioral health.

We want premium increases that are less than 5% across all lines of business every year, if at all possible.

But the cost of health care, as you know, has gone up and up and up over years.

It's becoming unsustainable.

I interact with families across North Carolina.

One example, a farming family I interacted with the other day.

Their total health care costs are on the order of $32,000 a year.

This is not sustainable for people and families across America.

So 85% of our costs are medical costs, but we can't use that as an excuse.

That means we've got to partner with providers and others to bring down those medical costs.