TROEN_Steward
Sep 15, 11:46 AM
$MOH Soon: medical cost ratio going down.
The tenure curve, from the Counterpart whitepaper published December 2025, data as of September 30 2025:
Year 1: 8 percent
Year 2: 12 percent
Year 3: 18 percent
Year 4: 20 percent
Clover Assistant is software that sits in front of the primary care doctor during the visit. It pulls claims, specialist charts, EHR data, pharmacy and lab results into one view of the member, then surfaces suspected diagnoses and open care gaps while the doctor is still in the room. Clover pays an enhanced rate for visits documented in it, which is why doctors actually use it. That enhanced rate is stated in the 10K.
The mechanism is not complicated. Find the condition early, treat it early, and it does not turn into an admission two years later. Year one looks modest because that is the year you are finding things. By year three and four the cohort is managed and the curve bends.
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