And our expectation is it continues in that level. So as you look out to the second-half of this year, our expectation, it continues at those levels that we’ve been seeing with the — I mentioned a few 100 basis points above our expectations in the senior business, that continues. The only underlying factor is a little bit of seasonality that you would see occurring there.
Andrew Witty: Right. Thanks so much John and thanks Nate. Next question.
Operator: We’ll go next to Justin Lake with Wolfe Research.
Justin Lake: Thanks, good morning. My question is on commercial trend. That you mentioned it’s in line with expectations. I wanted to delve a little bit deeper. I think you might have said previously that you’d priced for commercial trend to be above normal this year, so some conservatism. So does that mean that it’s running above normal, but in line with your pricing at this point? If it’s above normal, can you tell us how Q2 emerged versus Q4, Q1, meaning that an uptick versus — in 2Q versus 1Q or 4Q? And then just lastly, any insight on the commercial components, is outpatient at pressure here as well? Thanks.
Andrew Witty: Yes. Justin, thanks so much for the question. I mean, so really not much to see here in all honesty, first off. Where we came into the year, we — as you alluded to, we priced for some anticipation of unit cost inflation. We’ve seen some of that come through. Within that, everything is tracking very much within our expectations. So we set the year anticipating a little bit of price/cost growth, if you will. But beyond that, really nothing to note and we feel good about where we sit here. Thanks so much. Next question?
Operator: We’ll go next to Josh Raskin with Nephron Research.
Josh Raskin: Hi, thanks. SO good morning. Do you think any of the increased utilization you’re seeing on the MA side was self-inflicted in the sense that you’ve really augmented benefits dramatically in the last year — really last two years, and perhaps that’s encouraged or even catalyzed, sort of, an overutilization of trends relative to historical patterns and expectations? And then how did you address the utilization trends in your benefit designs for ‘24? I know there’s sensitivity about saying something on a public call, but maybe just broad changes that you’d expected?
Andrew Witty: Josh, thanks so much for the question. I’m going to ask Tim Noel to give you a little bit more commentary. But I think bottom line, I don’t really think the benefits are driving this. I think this is — when you look at the concentration of what we’re seeing in terms of the outpatients, the orthopedics, in particular, those sorts of areas, it looks very much more like a kind of deferment of care. Super interesting when you look at maybe what’s changed a little bit within that. We’ve seen a shift in the fraction of people who, once they have been essentially recommended for surgery, actually go through, and complete the procedure. Arguably, what might drive that change is, one, more supply. So actually, it’s more possible to go get it done; but two, maybe a little less reticent from an individual to go into a facility in a post-COVID environment versus a COVID environment.
That feels like the thing that’s shifted. And maybe ask Tim to just add a little bit to that as well, Tim?
Tim Noel: Yes. Thanks, Josh. Consistent with what Andrew said, when we look at potential drivers everything from acuity to benefits added to mix of membership. Everything is really tracking very normally and in line with what we would expect. So nothing to call out there, but certainly something that we look at closely and carefully each and every year, and this year being no different. With respect to your question regarding benefits, so I think one thing to keep in mind is that the more important driver to our benefit decisions this year were the changes to the risk model. Certainly, we’ve been talking a lot about care patterns, but that has far less of an impact on the benefits filed and is really one of many assumptions that we make inside of our bids.
