Andrew Witty: Thanks, John. And maybe I’ll ask Dirk to also comment a little bit. As you think about the G&A side of the equation going forward. Dirk maybe reflect a little bit on the work you’re leading around technology and other interventions as we look to drive down our overall costs.
Dirk McMahon: Yes. Gary, what I would say is much of the focus — we’ve really been applying a lot of artificial intelligence, machine learning and natural language processing. Long-term, we think there’s great hope for those. And some of the short-term things that we’re working on in those areas, like using generative AI to help more efficiently write medical appeal letters, things like optimizing our provider search and all of our digital properties with natural language processing and AI, doing a lot of work, improving our payment integrity models, using AI to detect waste, fraud, and abuse. And then a lot in the G&A world to answer basic questions in our call centers, like leveraging our benefit bots to reduce the number of calls and the labor associated with that, for simple questions like is XY or Z disease covered or have I met my deductible.
From a long range perspective, however, I’m really optimistic about our significant data sets. Our ability to take advantage of whatever new technology comes down the pipe to improve health care, I’m really excited about it. So thanks for the question.
Andrew Witty: Yes, Dirk, thanks so much. And I think, Gary, overall, and I think I tried to allude at the very beginning. Obviously, when you see a movement in care activity like we saw in the quarter, it’s been great to see the range of levers that we have within the organization to respond. And you’ve seen what we’ve been able to do in the very short run. And as you would expect that we have more and more of those levers as you roll through into the medium and longer-term outlooks as both John and Dirk have described both in the financial side of the company, but also critically in the core operating cost structure of the company, which we’re going to continue to bear down on very, very assertively. Consequence of all of that is that even with the backdrop of some of the fluidity we’ve seen.
We’re able to continue to commit to the investment behind growth and the investment behind looking after patients, as well as we possibly can and giving people a fantastic experience, which is what we think builds super sustainable shareholder value. So that’s very much the priority that we’re focused on. Next question?
Operator: We’ll go next to George Hill with Deutsche Bank.
George Hill: Yes. Good morning, guys. And thanks for taking the question. I guess, John, I want to talk a little bit more about your expectations for the senior book in ‘24. You guys kind of talked about that you expect the current elevated trend to continue and price for it when you think about the MA bids. I guess, kind of talk about like what drove, like what drives the visibility there from what you see now in ortho, like looking all the way out to ‘24. And should we think of the pricing is just kind of conservatism on UNH’s part? Or like I’m kind of interested in the data that drives the visibility? Thank you
Andrew Witty: Hey George, thanks for the question. I’m actually going to ask Tim Noel, who leads the Medicare business to respond to that, Tim?
Tim Noel: Thanks, George, for the question. So I’ll start by reiterating one thing as an important point. The biggest item though shaping this year has been — thinking was around the risk model changes. The outpatient care patterns plays a far smaller role there. But that said, having the ability to incorporate the latest data, anything we’ve learned recently into our Medicare Advantage bids is extremely important in each and every year especially given how we see both key revenue and medical elements firm up inside of Q2, being able to incorporate the latest thinking that we have in our bid filings is really, really important. And because of that, we’ve designed a bid process that is very nimble and able to accommodate late changes.
