The Cigna Group

And City Hall is telling you right now, as individual doctors, you should be in an ASC.

The idea, I get it, but when you look at what Methodist or Memorial Hermann is able to negotiate, if they don't contract with BUCA, Blue Cross United, Cigna, Aetna, Health Net, or Humana, then their patients are going to be in those ERs every single night.

They have leverage.

You don't as a single standalone hospital.

They're upcoding and they're overbilling and they're getting more from the government.

Like our Medicare tax money is going to Humana, Cigna, United Health Group, all these insurance companies to cover folks and they're extracting massive amounts of profit.

And when the profit isn't enough, just like that individual said, they're just saying, oh, screw it.

You're on your own.

Um, Leor Sapir, um, at, uh, Leor, uh, uh, at, uh, at City Journal basically said that, uh, there are major c- commercial...

Has shown that major commercial insurers, including Kaiser, Aetna, Cigna, UnitedHealthcare, uh, rely on the standards of care.

They relied on it in order to make determinations of health insurance coverage, right? And just one last juicy piece, and then w- I'll get your final thoughts from both of you.

Just two years ago, the Biden administration in United States v. Skrmetti.

These are just 50 examples of American companies that Cognizant in Texas alone was providing employment for through these visa scams.

CVS, Verizon, Toyota, JP Morgan, Pepsi, Apple, Healthcare Service Corp, 7-Eleven, Capital One, American Airlines, AIG, Academy Sports, CoreLogic, HEB, National Life Group, Brinker International, U.S. Bank Corp, Cigna, Albertsons, Thomson Reuters, Alcon, Direct Energy, Discover, Kinetic Concepts, AT&T, Charles Schwab, Victory Capital, CBRE, CB Richard Ellis.

Caliber Home Loans, Southwest Airlines, USAA, Levi Strauss, NRG, Elevance Health, Freddie Mac, Home Depot, 3M, Wells Fargo, Rent-A-Center, Abbott, Abville, AbbVie, Dell, Humana, Aputure, NationStar Mortgage, Google, Nthrive, Sally Beauty, Neiman Marcus, Liberty Mutual.

One state, one state, 50 businesses across the spectrum, one state.

I

had Cigna.

I have some bullshit called Delta Dental.

I thought the perks of the casino were good.

But then in terms of like more specific things that I think will become more important or more popular as we continue down this path is things like, high-performing networks.

So if you look at the broad range of in-network providers within any given insurance carrier, so let's just say Cigna, for example, there's thousands, maybe a million in-network providers with Cigna, but those in-network providers are not all equal.

And so there are tools available now that can point out the highest performing providers within that existing network that have appropriate costs they have better outcomes they have less duplicative services being you know prescribed to individuals um and so that's something that i think is going to be more and more popular to one be able to save money right because if people are going to the right types or the best providers um they're going to have better health outcomes and avoid um You know, inappropriate claims, but it's also going to be a better experience for those employees, save them money, save them the hassle and get them healthier, quicker.

So I think that sort of navigation and high performing network piece is going to be bigger and bigger as we think about the next few years.

It's come up in the private sector quite a few times where some of the insurance companies have actually tried to roll out this exact thing.

I think Blue Cross Blue Shield, Cigna, all tried in various ways.

And fortunately, a lot of states have been able to fight it.

Some states have not been able to fight it.