Humana(HUM) - 2023 Q3 - Earnings Call Transcript

Joshua Raskin First question is just are the new members coming in at higher-than-expected MLRs even for first year members? Or is it just a mix because they're mostly agents. And then if you could just refresh the MLR trends for members that are in fully capitated arrangements versus those that are in sort of fee-for-service providers. And has that delta changed much in the last year? Josh, for your first question, we are seeing that new members are running higher MLRs than you would expected that we would ...