1 00:00:00,119 --> 00:00:01,869 Do you have a holistic view of your 2 00:00:01,869 --> 00:00:03,539 networks compared to competitors? 3 00:00:04,176 --> 00:00:06,028 Do you understand your own network 4 00:00:06,482 --> 00:00:08,878 differentiation or opportunities to meet market needs. 5 00:00:09,592 --> 00:00:12,367 Can you strategically decide which providers to target 6 00:00:12,367 --> 00:00:14,826 based on patient activity by line of business 7 00:00:14,826 --> 00:00:18,188 or Most health plan executives cannot, at least 8 00:00:18,188 --> 00:00:19,942 not at the level needed to truly make 9 00:00:19,942 --> 00:00:20,580 an impact. 10 00:00:21,297 --> 00:00:23,703 Quest analytics, the leader in provider network work 11 00:00:23,703 --> 00:00:26,483 management solutions and services can help change that. 12 00:00:26,960 --> 00:00:30,558 Their network performance benchmarking solution offers a comprehensive 13 00:00:30,932 --> 00:00:33,575 view of data, crop payers and service areas, 14 00:00:34,133 --> 00:00:37,084 empowering you with the information necessary to excel 15 00:00:37,084 --> 00:00:38,839 in strategic network development, 16 00:00:39,477 --> 00:00:43,503 competitive analysis, and contract negotiation to truly create 17 00:00:43,962 --> 00:00:44,842 differentiated networks. 18 00:00:45,721 --> 00:00:49,157 Discover how Quest Analytics can elevate your organization's 19 00:00:49,157 --> 00:00:52,367 network performance at Quest analytics and dot com. 20 00:00:53,085 --> 00:00:55,239 This is Laura D with the Becker Healthcare 21 00:00:55,239 --> 00:00:55,717 podcast. 22 00:00:56,116 --> 00:00:57,632 I'm thrilled today to be joined by Alyssa 23 00:00:57,791 --> 00:01:00,583 Quan, Executive Vice President and Chief Insurance Officer 24 00:01:00,583 --> 00:01:02,669 at Oscar Health. Us It's a pleasure to 25 00:01:02,669 --> 00:01:03,703 have you on the podcast today. 26 00:01:04,578 --> 00:01:06,090 Thank you for having me. It's pleasure to 27 00:01:06,090 --> 00:01:08,556 be here. Now I'm really looking forward to 28 00:01:08,556 --> 00:01:10,633 our discussion and learning more about some of 29 00:01:10,633 --> 00:01:12,138 the cool things that you're doing at Oscar. 30 00:01:12,297 --> 00:01:13,644 But before we dive in, can you tell 31 00:01:13,644 --> 00:01:14,991 me a little bit more about yourself in 32 00:01:14,991 --> 00:01:15,466 your background? 33 00:01:16,100 --> 00:01:17,629 Discussion Sure. So 34 00:01:18,108 --> 00:01:19,144 as as you noted, 35 00:01:19,782 --> 00:01:21,935 I am the chief insurance officer at Oscar 36 00:01:22,094 --> 00:01:22,333 Health. 37 00:01:23,450 --> 00:01:24,348 I've been at Oscar 38 00:01:25,059 --> 00:01:27,606 just over 3 years and in leading the 39 00:01:27,606 --> 00:01:28,106 insurance 40 00:01:28,562 --> 00:01:31,109 business there, you know, basically, we're focused on, 41 00:01:31,507 --> 00:01:33,909 furthering our company's mission, just which is to 42 00:01:33,909 --> 00:01:36,451 make a healthier life affordable and accessible for 43 00:01:36,451 --> 00:01:38,596 all. So I spend a lot of my 44 00:01:38,596 --> 00:01:39,708 time focusing on, 45 00:01:40,264 --> 00:01:41,949 the things that are important, which is you 46 00:01:41,949 --> 00:01:43,884 know, which markets we're in, what 47 00:01:44,660 --> 00:01:46,495 segments of the markets we want serve how 48 00:01:46,495 --> 00:01:48,489 our products can make sure that they meet 49 00:01:48,489 --> 00:01:50,643 the needs of those markets and how we 50 00:01:50,643 --> 00:01:51,143 can 51 00:01:51,774 --> 00:01:52,329 keep them 52 00:01:52,806 --> 00:01:55,346 affordable for for the folks in those those 53 00:01:55,346 --> 00:01:56,402 markets. So 54 00:01:56,775 --> 00:01:59,578 I'm excited about that. My overall background 55 00:02:00,268 --> 00:02:02,594 is that I have been in the insurance 56 00:02:02,594 --> 00:02:04,428 space for for over 3 decades. 57 00:02:05,465 --> 00:02:07,060 I'm in act actuarial by training, 58 00:02:07,618 --> 00:02:09,931 and so I've spent my entire career in 59 00:02:09,931 --> 00:02:13,700 both domestic. And international insurance markets across commercial 60 00:02:13,700 --> 00:02:14,200 and 61 00:02:14,739 --> 00:02:16,736 and personal lines. So that's a little bit 62 00:02:16,736 --> 00:02:17,136 about me. 63 00:02:18,015 --> 00:02:20,179 Thick That's fantastic to hear. You know, and 64 00:02:20,179 --> 00:02:21,952 it sounds like you've had some great experience 65 00:02:22,009 --> 00:02:23,840 and and we're able to bring that to 66 00:02:23,919 --> 00:02:25,805 Oscar her. What are some of the big 67 00:02:25,924 --> 00:02:27,680 trends and headwind that you're following right now. 68 00:02:27,920 --> 00:02:29,356 What's really top of mind for you? 69 00:02:31,911 --> 00:02:34,007 I think for me there's sort of 3 70 00:02:34,225 --> 00:02:36,316 major trends that we think... As a that 71 00:02:36,396 --> 00:02:38,551 I think and and our team is certainly 72 00:02:38,551 --> 00:02:41,286 focused on that are really sort of accelerating 73 00:02:41,903 --> 00:02:44,894 within health care and and potential accelerating the 74 00:02:45,034 --> 00:02:45,534 innovation 75 00:02:45,995 --> 00:02:46,794 within health care. 76 00:02:47,754 --> 00:02:50,414 The first of those is around the 77 00:02:50,715 --> 00:02:54,161 consumer expectations, I think that that most people 78 00:02:54,399 --> 00:02:57,416 in the country would agree that, health care 79 00:02:57,416 --> 00:02:59,480 is becoming less and less affordable, 80 00:03:00,433 --> 00:03:03,155 and therefore focusing I'm that that share of 81 00:03:03,155 --> 00:03:05,314 wallet and the affordability of the care that 82 00:03:05,314 --> 00:03:07,634 people really need in order to live a 83 00:03:07,634 --> 00:03:10,354 healthier life is an important thing for everyone 84 00:03:10,354 --> 00:03:11,074 to focus on. 85 00:03:12,209 --> 00:03:14,870 The amount that the average family is paying 86 00:03:15,409 --> 00:03:17,729 or that an employer is paying per employee 87 00:03:17,729 --> 00:03:19,490 per year has really been on the rise, 88 00:03:20,063 --> 00:03:20,619 And so, 89 00:03:21,254 --> 00:03:24,296 I think focused by by the industry 90 00:03:25,146 --> 00:03:25,646 and 91 00:03:26,814 --> 00:03:27,688 the, you know, 92 00:03:28,500 --> 00:03:31,219 political fear the... And really just, you know, 93 00:03:31,539 --> 00:03:34,500 more generally the the population. On this is 94 00:03:34,500 --> 00:03:36,979 something that that we're definitely focused on and 95 00:03:37,139 --> 00:03:39,235 I think that that we need to to 96 00:03:39,235 --> 00:03:39,735 continue 97 00:03:40,514 --> 00:03:42,514 to do it in the future as well. 98 00:03:43,314 --> 00:03:44,594 The second thing that I would say is, 99 00:03:44,674 --> 00:03:46,925 you know, we're in the as we're in 100 00:03:46,925 --> 00:03:48,833 the Aca space. So a lot of my 101 00:03:48,833 --> 00:03:51,297 focus is very specific to to that space. 102 00:03:52,569 --> 00:03:54,134 And as you're probably aware it's the faster 103 00:03:54,254 --> 00:03:56,405 this growing segment in the U. S. From 104 00:03:56,405 --> 00:03:58,259 an insurance, health insurance 105 00:03:59,910 --> 00:04:00,410 perspective 106 00:04:00,946 --> 00:04:04,333 with just almost 22000000 lives in the Aca 107 00:04:05,588 --> 00:04:08,062 as of now. And, you know, now that 108 00:04:08,062 --> 00:04:08,961 the Aca 109 00:04:09,434 --> 00:04:11,348 has seen this amount of growth. It is 110 00:04:11,348 --> 00:04:11,747 a very... 111 00:04:12,624 --> 00:04:15,097 It's the largest single risk pool. You know, 112 00:04:15,256 --> 00:04:17,250 in the Us bigger than any 1 employer 113 00:04:17,250 --> 00:04:20,557 bigger than any, you know, particular date, and 114 00:04:21,413 --> 00:04:24,204 that is creating greater stability for that market, 115 00:04:24,364 --> 00:04:26,996 which is helping to lower cost trends relative 116 00:04:26,996 --> 00:04:28,910 to other parts of the industry, etcetera. 117 00:04:29,561 --> 00:04:31,149 And so now that it can reach the 118 00:04:31,149 --> 00:04:32,999 size, which makes it a more permanent 119 00:04:33,372 --> 00:04:34,324 structure, if you will, 120 00:04:35,356 --> 00:04:36,468 in the healthcare space, 121 00:04:37,436 --> 00:04:39,447 it really has the opportunity to 122 00:04:40,219 --> 00:04:43,479 better serve the diverse populations that are within 123 00:04:43,479 --> 00:04:44,831 that that market itself. 124 00:04:45,482 --> 00:04:47,868 And so our focus in that as a 125 00:04:47,868 --> 00:04:49,698 result is is what I would say is 126 00:04:49,698 --> 00:04:50,652 probably the second. 127 00:04:52,418 --> 00:04:54,328 Key trend that that I'm really focused on. 128 00:04:54,806 --> 00:04:57,296 And then the third is around disruptive technology. 129 00:04:57,593 --> 00:04:59,844 Right? Everybody is talking about Ai, 130 00:05:00,394 --> 00:05:01,293 there's a lot of 131 00:05:01,749 --> 00:05:03,286 opportunity for that to 132 00:05:03,902 --> 00:05:04,402 help 133 00:05:05,178 --> 00:05:06,613 lower administrative costs, 134 00:05:07,251 --> 00:05:09,060 which will in turn make there's 135 00:05:09,980 --> 00:05:11,360 healthcare care products more affordable 136 00:05:11,740 --> 00:05:14,939 to potentially improve the overall experience within the 137 00:05:14,939 --> 00:05:15,839 healthcare care system 138 00:05:16,540 --> 00:05:17,774 for, for 139 00:05:18,074 --> 00:05:20,555 individuals as well as providers, and others that 140 00:05:20,555 --> 00:05:23,274 that are participating. So I think that's also 141 00:05:23,274 --> 00:05:25,929 a... Probably, like, the third trend that as 142 00:05:25,929 --> 00:05:28,664 an organization we're focused on, I'm personally, 143 00:05:29,202 --> 00:05:31,857 like, less focused in the the the technology 144 00:05:31,996 --> 00:05:33,832 space but Oscar is clearly a big. 145 00:05:34,964 --> 00:05:36,714 A big player in that and is a 146 00:05:36,714 --> 00:05:38,226 large focus for our organization. 147 00:05:39,659 --> 00:05:41,250 Well, it's great to hear. You know, and 148 00:05:41,250 --> 00:05:43,717 really fascinating to think about all the different... 149 00:05:44,368 --> 00:05:46,595 Trends coming up right now, whether as... As 150 00:05:46,595 --> 00:05:48,582 you mentioned the consumer expectations, some of the 151 00:05:48,582 --> 00:05:48,900 different, 152 00:05:49,695 --> 00:05:51,365 access and and then looking to it at 153 00:05:51,445 --> 00:05:54,645 Ai and from your perspective as, someone who 154 00:05:54,645 --> 00:05:57,035 is involved with those types of initiatives, how 155 00:05:57,035 --> 00:05:58,788 are you thinking about growth for the future, 156 00:05:59,107 --> 00:06:01,680 what is happening today and and what's possible 157 00:06:01,680 --> 00:06:02,240 going forward? 158 00:06:04,000 --> 00:06:05,600 That that I think is a great question. 159 00:06:05,759 --> 00:06:08,180 You know, I think there's still room for 160 00:06:09,935 --> 00:06:12,654 the Aca itself to grow. We still have 161 00:06:12,654 --> 00:06:15,214 an uninsured population, a lot of the growth 162 00:06:15,214 --> 00:06:17,535 that we've seen to get the market to 163 00:06:17,535 --> 00:06:20,284 where it is today. Has come from that 164 00:06:20,421 --> 00:06:21,057 uninsured space. 165 00:06:21,694 --> 00:06:23,843 And and so, you know, I think there's 166 00:06:23,843 --> 00:06:25,991 still room for that to to continue to 167 00:06:25,991 --> 00:06:29,034 grow there. And I think that in order 168 00:06:29,034 --> 00:06:29,534 to 169 00:06:29,912 --> 00:06:31,990 move people out of that uninsured base and 170 00:06:31,990 --> 00:06:34,706 into something like the Aca, it's important that 171 00:06:34,706 --> 00:06:37,196 there are products out there that are, 172 00:06:37,833 --> 00:06:39,825 attractive and actually meet their needs. Right? 173 00:06:40,861 --> 00:06:42,614 And so that's something that, you know, I 174 00:06:42,614 --> 00:06:43,353 think we should 175 00:06:43,744 --> 00:06:45,414 you know, we certainly as oscar and I 176 00:06:45,414 --> 00:06:47,482 think that our our competitors should should also 177 00:06:47,482 --> 00:06:48,517 be thinking about 178 00:06:49,073 --> 00:06:51,395 as we as we move forward. Forward. I 179 00:06:51,395 --> 00:06:53,463 think the other thing that, you know, I'm 180 00:06:53,463 --> 00:06:56,247 sure you've you've heard our Ceo talk about 181 00:06:56,247 --> 00:06:56,747 it 182 00:06:57,201 --> 00:06:58,076 that we think 183 00:06:58,553 --> 00:07:01,202 will be key to continuing to grow the 184 00:07:01,202 --> 00:07:02,501 individual market is 185 00:07:03,040 --> 00:07:03,759 is ic. 186 00:07:04,318 --> 00:07:05,357 And, you know, 187 00:07:05,996 --> 00:07:06,975 this is a 188 00:07:07,528 --> 00:07:10,241 a long term opportunity, I would say to 189 00:07:10,241 --> 00:07:11,836 serve a broader set of customers. 190 00:07:12,555 --> 00:07:14,723 And what is it, you know, for for 191 00:07:14,723 --> 00:07:16,632 those listing that might not be familiar what 192 00:07:16,632 --> 00:07:18,859 what an acre does is that it allows 193 00:07:18,859 --> 00:07:21,405 an employer of any size to reimburse their... 194 00:07:21,579 --> 00:07:23,673 Employees for health insurance premiums 195 00:07:24,289 --> 00:07:26,281 and that they can then go and purchase 196 00:07:26,281 --> 00:07:27,716 an individual plan 197 00:07:28,115 --> 00:07:29,173 on the Aca 198 00:07:29,725 --> 00:07:32,925 and that employee then has that full choice 199 00:07:32,925 --> 00:07:35,004 of which plan is best for them, which 200 00:07:35,004 --> 00:07:36,044 network, which, 201 00:07:37,019 --> 00:07:37,519 formula 202 00:07:38,457 --> 00:07:41,014 does the plan, you know, meet of a 203 00:07:41,014 --> 00:07:43,271 specific health need that this individual 204 00:07:44,064 --> 00:07:46,210 is trying to deal with, etcetera. And that's 205 00:07:46,210 --> 00:07:47,164 independent of their employer, 206 00:07:47,880 --> 00:07:49,628 and there are... You know, there's ways that 207 00:07:49,628 --> 00:07:51,695 these can be structured such that they maintain 208 00:07:51,695 --> 00:07:54,180 some of the the tech the facts or 209 00:07:54,180 --> 00:07:56,180 advantages that, you know, come with a typical 210 00:07:56,180 --> 00:07:56,660 employer plan. 211 00:07:57,460 --> 00:07:59,620 And so we see this as a, you 212 00:07:59,620 --> 00:08:03,373 know, a the there's pros for the employer 213 00:08:03,373 --> 00:08:04,959 as well as as the employee. 214 00:08:05,514 --> 00:08:06,014 But 215 00:08:07,020 --> 00:08:09,338 this is a really good way. I think 216 00:08:09,338 --> 00:08:11,411 to think about growth as we move forward. 217 00:08:11,571 --> 00:08:13,405 So if we think about the size of 218 00:08:13,405 --> 00:08:14,921 the Ach aca today, Right? So it's just 219 00:08:14,921 --> 00:08:18,133 under 22 22000000 people, the small 220 00:08:18,924 --> 00:08:21,257 medium sized businesses, so those that are 221 00:08:21,793 --> 00:08:23,170 let's call it under 1000 222 00:08:23,547 --> 00:08:24,047 employees. 223 00:08:24,901 --> 00:08:26,336 There's 75000000 224 00:08:26,336 --> 00:08:29,374 dollars to people in that today. So even 225 00:08:29,374 --> 00:08:31,362 if a a portion of those, 226 00:08:31,919 --> 00:08:34,781 you know, take advantage of this type of 227 00:08:34,781 --> 00:08:38,242 this this opportunity through aircraft, there's substantial 228 00:08:39,258 --> 00:08:41,492 opportunity in order to continue to grow that 229 00:08:41,492 --> 00:08:42,609 singular risk pool, 230 00:08:43,486 --> 00:08:46,367 which will you know, really help provide even 231 00:08:46,367 --> 00:08:48,935 additional stability if you will, which then allows 232 00:08:49,230 --> 00:08:51,855 those that participate in that market to continue 233 00:08:51,855 --> 00:08:52,571 to provide, 234 00:08:53,379 --> 00:08:55,994 innovative plans as well at that are affordable 235 00:08:55,994 --> 00:08:56,811 and attractive 236 00:08:57,183 --> 00:08:59,244 to more and more people. And so I 237 00:08:59,244 --> 00:09:00,061 think it's just 238 00:09:00,528 --> 00:09:02,440 that when I think about gross for future, 239 00:09:02,839 --> 00:09:04,671 I see that as, like a really, you 240 00:09:04,671 --> 00:09:07,460 know, really great opportunity and 1 that, you 241 00:09:07,460 --> 00:09:09,292 know, has a has a very long runway. 242 00:09:10,103 --> 00:09:11,933 That's that's a, I think a key area 243 00:09:11,933 --> 00:09:13,763 focus for for me and for the team 244 00:09:13,763 --> 00:09:15,990 right now. Yeah. That sounds great. You know, 245 00:09:16,228 --> 00:09:16,785 And certainly. 246 00:09:17,516 --> 00:09:19,505 Exciting that there are are such awesome some 247 00:09:19,505 --> 00:09:21,334 opportunities for collaboration and 248 00:09:21,732 --> 00:09:23,800 you know, really a way to move health 249 00:09:23,800 --> 00:09:26,123 care forward and and ensure that access to 250 00:09:26,123 --> 00:09:28,192 care that we've been talking about? And along 251 00:09:28,192 --> 00:09:30,023 those lines, I'm wondering, could you tell me 252 00:09:30,023 --> 00:09:31,478 about a project or initiative 253 00:09:31,789 --> 00:09:33,536 from the last year or so at Oscar 254 00:09:33,536 --> 00:09:35,046 that's really yielded the best results? 255 00:09:36,396 --> 00:09:37,349 Yeah. So, 256 00:09:38,064 --> 00:09:39,573 I guess the thing that I would would 257 00:09:39,573 --> 00:09:41,503 choose to sort of tell you about is 258 00:09:41,812 --> 00:09:43,398 if I... First off, if I guess so 259 00:09:43,398 --> 00:09:44,825 that, I take a step back, and I 260 00:09:44,825 --> 00:09:45,460 think about, 261 00:09:46,491 --> 00:09:48,315 you know, why oscar was founded and it 262 00:09:48,315 --> 00:09:51,215 was to, you know, help... To, make the 263 00:09:51,433 --> 00:09:51,933 system 264 00:09:52,310 --> 00:09:54,781 clearer to people easier to navigate to really 265 00:09:54,781 --> 00:09:57,492 kind of help people meet their their health 266 00:09:57,492 --> 00:09:59,583 their needs what we tend to do is 267 00:09:59,583 --> 00:10:02,061 think about the individual we're very member focused. 268 00:10:02,300 --> 00:10:04,479 I'm sure you've heard that about us. And 269 00:10:05,097 --> 00:10:07,255 in thinking about that member, we're often looking 270 00:10:07,255 --> 00:10:09,506 to try to kinda solve issues that they 271 00:10:09,506 --> 00:10:10,325 might be having 272 00:10:10,783 --> 00:10:13,359 within that healthcare care ecosystem. And so 273 00:10:13,976 --> 00:10:15,493 with that in mind, 1 of the things 274 00:10:15,493 --> 00:10:17,065 that we focused on was 275 00:10:17,582 --> 00:10:18,060 the 276 00:10:18,857 --> 00:10:19,835 Hispanic and Latin 277 00:10:20,211 --> 00:10:22,363 population, which is the fastest growing segment in 278 00:10:22,363 --> 00:10:25,310 the Aca, and it actually represents about a 279 00:10:25,310 --> 00:10:26,720 third of Oscars membership 280 00:10:27,236 --> 00:10:29,484 And so we were looking at ways to 281 00:10:29,937 --> 00:10:32,082 see whether or not we could really improve 282 00:10:32,082 --> 00:10:33,614 their experience within 283 00:10:34,147 --> 00:10:34,783 the system. 284 00:10:35,434 --> 00:10:35,754 And, 285 00:10:36,475 --> 00:10:38,875 we developed something which we call Ola oscar, 286 00:10:39,195 --> 00:10:40,235 and it's 287 00:10:40,634 --> 00:10:42,075 it's a culturally authentic, 288 00:10:42,649 --> 00:10:43,629 kind of personalized 289 00:10:44,169 --> 00:10:44,669 experience 290 00:10:45,529 --> 00:10:46,490 for these members. 291 00:10:47,049 --> 00:10:48,089 And, you know, 292 00:10:48,970 --> 00:10:51,382 really what it does is it helps us 293 00:10:51,382 --> 00:10:53,456 provide them or help, I guess, we provide 294 00:10:53,456 --> 00:10:54,413 them with 295 00:10:55,130 --> 00:10:56,247 AAA 296 00:10:56,247 --> 00:10:59,140 culturally authentic experience that's in their own language 297 00:10:59,278 --> 00:11:00,450 that serves up 298 00:11:02,405 --> 00:11:04,800 providers or other elements of the 299 00:11:05,599 --> 00:11:08,553 of the health care system that, better meet 300 00:11:08,553 --> 00:11:09,511 their cultural needs, 301 00:11:10,403 --> 00:11:12,557 and allows them to, you know, feel that 302 00:11:12,557 --> 00:11:14,871 they're hurt or that they have the opportunity 303 00:11:14,871 --> 00:11:16,945 to engage with someone who, 304 00:11:17,518 --> 00:11:20,064 better understands, their culture, their, 305 00:11:20,780 --> 00:11:21,974 health care needs, etcetera. 306 00:11:22,770 --> 00:11:25,237 And what we found in in doing this 307 00:11:25,237 --> 00:11:25,794 is that, 308 00:11:26,843 --> 00:11:28,988 our Spanish speaking. I mean, has a real 309 00:11:28,988 --> 00:11:29,885 impact on 310 00:11:30,339 --> 00:11:30,577 retention, 311 00:11:31,372 --> 00:11:32,167 as well as, 312 00:11:32,723 --> 00:11:35,126 our net promoter score, which we've found both 313 00:11:35,126 --> 00:11:37,041 of those things to be higher with our 314 00:11:37,041 --> 00:11:39,115 overall Spanish speaking population than we have with 315 00:11:39,115 --> 00:11:40,711 our non Spanish speaking population, 316 00:11:41,363 --> 00:11:44,062 And we've also found that this program has 317 00:11:44,062 --> 00:11:47,260 assisted with the the N mps with our 318 00:11:47,316 --> 00:11:49,618 brokers because our Spanish speaking brokers. 319 00:11:50,268 --> 00:11:51,403 They have, like, a 320 00:11:51,936 --> 00:11:54,715 about a 30 percent higher satisfaction level than 321 00:11:54,715 --> 00:11:56,144 our non Spanish speaking. 322 00:11:56,700 --> 00:11:58,288 And I think there's just a lot of 323 00:11:58,288 --> 00:12:01,008 benefit to the... The tools and the experience 324 00:12:01,008 --> 00:12:03,398 that was provided. That's most importantly, in a 325 00:12:03,398 --> 00:12:05,629 language that they all understand, but that's that's 326 00:12:05,629 --> 00:12:06,028 more 327 00:12:06,745 --> 00:12:10,093 the culturally aware for them. And so we've 328 00:12:10,093 --> 00:12:12,419 been really excited about this. We've 329 00:12:12,871 --> 00:12:14,355 launched in in limited markets 330 00:12:14,714 --> 00:12:16,871 so far until we're really looking to scale 331 00:12:16,871 --> 00:12:19,508 this to even more markets to address more 332 00:12:19,508 --> 00:12:20,467 of this population, 333 00:12:21,266 --> 00:12:22,798 and then to see whether or not you 334 00:12:22,798 --> 00:12:24,788 know, we have a possibility to replicate this 335 00:12:24,788 --> 00:12:26,561 kind of experience for other, 336 00:12:26,936 --> 00:12:27,255 you know, 337 00:12:27,891 --> 00:12:29,801 different cultural cohorts if you will, in the 338 00:12:29,801 --> 00:12:32,228 future. So we're really excited about it, and 339 00:12:33,004 --> 00:12:35,156 it's an area that we're we're gonna continue 340 00:12:35,156 --> 00:12:36,590 to focus. And I think, you know, that's 341 00:12:36,590 --> 00:12:38,838 1 of the things that we... Or we 342 00:12:38,838 --> 00:12:40,295 kind pride ourselves on 343 00:12:40,913 --> 00:12:42,748 is to do something that's innovative and to 344 00:12:42,748 --> 00:12:45,222 really try to continue with our very member 345 00:12:45,222 --> 00:12:45,940 centric focused. 346 00:12:46,753 --> 00:12:48,109 Which is aligned with our mission. So... 347 00:12:49,545 --> 00:12:51,799 That's fantastic here. Alyssa that 348 00:12:52,177 --> 00:12:53,772 I really appreciate you being here today. This 349 00:12:53,772 --> 00:12:55,607 has been a such a fun conversation, and 350 00:12:55,686 --> 00:12:57,376 I look forward connect with you again soon. 351 00:12:58,333 --> 00:13:00,646 I really appreciate you having me, and 352 00:13:01,205 --> 00:13:03,518 I appreciate you allowing me to take part 353 00:13:03,518 --> 00:13:05,831 in this this series. So thanks for your 354 00:13:05,831 --> 00:13:06,070 time.