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Hello, everyone. This is Erica Spicer Mason with

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Becker's Healthcare. Thank you so much for tuning

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in to the Becker's Healthcare podcast series.

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So today, we're going to discuss AI and

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the payer landscape and how to balance innovation,

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ethics, and regulatory

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change.

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And joining me for this discussion is Nitu

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Rajpal,

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the CEO of Lilac Software.

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Nitu, welcome to the podcast. Thank you so

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much for making time for us today. Thank

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you, Erica. It's really great to be here.

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Oh, we're so thrilled to have you. And

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before we get into our discussion, wanted to

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see if you'd like to share a little

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bit more about yourself, your work in health

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care, your organization,

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whatever feels pertinent to listeners.

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Oh, thank you. So I'm Neetu Rajpal, and

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I am the

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CEO and cofounder of Lilac Software.

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With Lilac Software, we're very focused on making

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sure good data gets to all the practitioners

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that are currently in health care. We're building

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a fully managed

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solution for data analytics,

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insights, AI

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for payers and providers.

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Before my work at Lilac,

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I was the CTO of Oscar Health. I

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appreciated and loved being at Oscar Health.

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I oversaw work for all of the tech

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stack that's used to run the insurance company,

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everything from

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from claims processing to enrollment, billing, brokers, member

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engagement. And going through that journey really, like,

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inspired what I am doing at EyeLac now.

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And and overall, my career has all been

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building software. So I've been building software for

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multiple decades,

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and enterprise data analytics is is my passion

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to get make sure the right data gets

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to the right people to make good decisions

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and to help them with, with agents.

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Yeah. Me too. I really appreciate the background

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information. And it it sounds like you have

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the perfect blend of experience, you know, coming

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from a a major payer organization and all

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of your decades of experience in software development

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and building.

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Sounds like you are the perfect person to

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talk to us about

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AI and the payer landscape

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today. So

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I wanted to start us off by

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just kind of acknowledging a trend that I

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know I've seen and our audience has seen

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in health care coverage lately, and that's the

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fact that Agentic AI is really gaining momentum.

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So can you provide a brief overview of

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what this technology is and maybe even share

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a practical example of how it's being used

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right now?

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Yeah. I think Adjentic AI is one of

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the most exciting advancements in in in AI.

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I

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I know I say that in addition to

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the fact that there was already chat TPT

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and there's machine learning.

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But just to give a bit of a

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primer, machine learning in is

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is colloquially

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more about, like, finding the right set of

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patterns and data and understanding data.

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Large language models use that information

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to then understand and get context and and

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to forecast

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build new documents or build new conversations or

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build new things.

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Agentic

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AI is this exciting

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advancement

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where

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Agentic AI systems can, like, really be in

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the world and understand it and observe it

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and learn from it,

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and then reason about it and build a

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plan to take action, and then go ahead

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and take an action. So that all sounds

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very much like like what a human AI

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assistant would do, and and I think that's

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a pretty good way of thinking about agentic

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systems and agentic AI,

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assistants

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or independently

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operating folks who can start doing more and

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more things.

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And as the assistants get more familiar with

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the work that they're doing, they get more

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and more independent, and then I think that's

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also a good corollary.

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In in terms of, like, health care world,

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a a simple simple example that I can

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come up with is something like, think about,

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like, appeals and grievances or grievances against claims.

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And it's somebody files a grievance about a

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denied claim.

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AI, in this case, can step in and

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streamline the process of, like, working through that

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grievance as in they can cross reference all

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of the information that's available about the member,

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about the policy and the plan, about identifying

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what the discrepancy is, if there's any missing

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information.

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AI can gather all of this information behind

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the scenes without a person being involved, And

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then they can, like, understand the context and

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then

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generate

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a personalized response for this particular

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claim grievance.

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And that, I think, is the most exciting

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part. Then they bring a plan and an

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execution plan perhaps

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to to a human who can approve it,

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but with all of the supporting information included,

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and then go execute on that plan. And

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this this, like, super dedicated problem solver

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doesn't actually have a scale requirement.

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A person can totally do it, and a

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person will likely do it in most complicated

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scenarios for a long time. But the simpler

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scenarios can actually be handled by an agentic

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system in this case. So that I think

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is a pretty practical example, and I know

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of places that are already starting to implement

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this.

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Fascinating. And I think you hit on an

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area that certainly is kind of the center

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of a lot of conversations when it comes

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to efficiency in health care organizations,

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whether it's on the provider or payer side.

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You know, claims is is such an area

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where folks are really trying to identify those

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opportunities to streamline things. So

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really appreciate that example. And I was actually

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planning to ask you also how how payers

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can leverage Genentech AI maybe to even help

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address quality or care delivery challenges. Could you

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shed some light on that and maybe elaborate

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on any improvements you've seen in those use

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cases?

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Absolutely.

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As of right now, like, the the STARS

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program and the and the HEDIS gap closure

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and just generally performing well on STARS is

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very near and dear to my heart.

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So I'll speak a pick an example from

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there. So

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most

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folks in in pair organizations that I've talked

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to try very, very hard to, quote, unquote,

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close every gap as in identifying all of

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the members that need a particular service

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and help them get that service. It could

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be it could be as simple as ensuring

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that all the right members who should be

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getting a breast cancer screening are, in fact,

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getting a breast cancer screening. The way this

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happens today

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is is

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some person generates some list, and then some

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other person takes that list, and then some

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other person or the same person makes a

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phone call and and and then tries to

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make another phone call to encourage the member

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to to go schedule an appointment with a

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provider

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and then go to the appointment and and

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and, like, have have a mammogram.

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All of this is ripe for an agentic

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system to do everything behind the scenes as

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in identify the members that need a gap

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closed,

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figure out the right time and way that

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that gap needs to be closed,

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making a phone call to the member,

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identifying that the barrier is actually lack of

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scheduling, then maybe just, like, going ahead and

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scheduling an appointment.

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And then also maybe recognizing there are some,

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like, nonmedical

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determinants of,

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detractors of health here. So maybe the member

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can't get to the to their appointment on

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time. So, like, booking an Uber as well.

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So everything to do from

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knowing who needs help,

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identifying

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how they need help, identifying the the blockers

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for them to close that gap, and then

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executing on all of those pieces

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behind the scenes to just make it easy

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for the member to actually go get their

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mammogram.

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What I think is, like, super exciting and

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where it, like, really transforms things

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is it is not necessarily that you can

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do this for a group of members or

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a subset of members. You can, in fact,

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do this for every member because you're no

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longer limited. Your scale is no longer limited

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by the number of people who can make

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phone calls or the amount of time a

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person

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you can scale horizontally

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to compute.

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You can have lots of agents doing lots

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of things all at the same time, and

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you can personalize care. You can personalize outreach.

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You can personalize

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the the the plan the member needs to

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go close the care gap. So I'm, like,

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super excited about super excited about the possibilities

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here where

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personalization

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of health care is is that is is

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available now.

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Yeah. Me too. That that example

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of the care gap list really hits home

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for me personally. I had a past life

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working as a health educator at a health

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plan, and I remember manually working off of

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those lists and doing the phone call outreach

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and

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talk about time consuming. So to your point

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about being able to scale that, not just

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to a small subset of members, but potentially

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all members at a health plan, it's it's

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a really exciting idea.

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Yeah. I'm very excited for our future here.

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Yeah.

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Yeah. And

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so a follow-up question for you too. So

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it sounds like how health plans are are

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certainly

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experimenting with AI, piloting it, and even using

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it in these ways as you've mentioned.

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And as they're as they're innovating here, how

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can they also ensure that these AI tools

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are ethical and unbiased and also patient focused,

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you know, especially when we're talking about Medicare

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or Medicare Advantage population?

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Yeah. Really, really excellent question. We we all

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know that your AI models are only going

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to be as good as the data that

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they've been used to train get trained on,

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and any bias in that data will come

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through in the models themselves. So I think

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the very least, it it needs to it

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needs to be monitored

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as to which model you're using to implement

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your solution and maybe trying a few different

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ones and and having lots of spot checks

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in the middle.

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At least for a while until these systems,

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like, you we can we can eliminate,

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known biases from these models. Or

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so I think the the mitigating bias

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based on the data that the models have

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been trained on and mitigating

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that risk by using multiple models is is

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is the first one.

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Secondly, I I would encourage that, like, when

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we try things, we actually keep the member

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at the center of all of it and,

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ensure that, like, the real world needs are

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met.

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So we're not we're not building tech ahead

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of its ability to be used in productive

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ways.

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And that may not always mean just everything

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all tech. It may mean a blended version

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of

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tech and process. And and one of the

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last things I'd say here is

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picking

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the amount of automation you want here.

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I think there

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tends to be a lot

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of intention to

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automate everything.

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I have been doing tech for a very,

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very long time, and I think

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the first

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seventy percent is usually the most exciting and

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the fastest piece to get to. The next

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10 is a little bit harder, and then

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the last 20 is really, really hard.

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And preciseness

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and and accuracy

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in health care specifically matters a lot. So

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I actually think it's perfectly fine to go

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with, like, aim for 80% as long as

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the accuracy and and completeness are really high

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on the required list of things.

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And given how, like, stretched thin almost everybody

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in a health plan is, I think 80%

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is pretty awesome.

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So mitigating bias in the data that's used

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by using multiple models,

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embedding

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patient

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or member at the center of whatever value

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that we're bringing. And finally, like,

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I think it's it's worth worth the question

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to ask if %

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is really should be the goal. Maybe it

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should just be 80% for for a while

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until we're sure.

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I really appreciate how practical those tips are.

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Me too. So thank you for that. And

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I think that 80%

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metric that you mentioned, it's definitely something interesting

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for leaders to keep in mind as they

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move forward with innovation.

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And similarly,

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you know, we're talking about ethics here with

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AI and technology implementation.

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I I know that we're also seeing in

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the news some headlines about

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AI regulations

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kind of going away or at least being

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much less restrictive,

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and that's, you know, rapidly changing and evolving

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in 2025.

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So how do you foresee the role of

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AI in health care changing, especially shaping the

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future of value based care and Medicare programs?

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Yeah. I hope

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that we will build systems that are built

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on top of systems that are currently subject

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to HIPAA and

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security and compliance and privacy

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and

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security

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rules around there. And I think a really

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good way would be to assume your own

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AI system is also subject to the same

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rules. So data privacy, especially when it comes

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to health care, seems really, really valuable data

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to protect

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even if the regulations

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lag in time. Because I think where there

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is a there is a

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really

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different

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regulations and the advancements in AI are moving

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at. And and I think

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the people's privacy and people's privacy on their

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health care data is is paramount, and I

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and I really encourage the

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plans using AI to impose the same requirement

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on themselves and while the regulation is still

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being worked out.

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Yeah.

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I I really appreciate how you put that

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need to, you know, how there's kind of

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this discrepancy in the velocity of the speed

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of innovation and and the regulations

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behind it. So

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really appreciate all of these insights that you've

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shared with me and our listeners today. Is

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there anything else that you wanted to highlight

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or maybe anything we didn't touch on but

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you wanna mention?

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Yeah. Thank you for the opportunity. I,

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actually wanna just talk. Like, I've I am

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a technologist, and I've been a technologist pretty

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much my whole career.

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One of the

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things that I find the most fascinating about

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doing things in health care is it is

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a very integrated environment,

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I think.

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So

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being able

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to bring technology

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to a plan, but fully recognizing

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the current state of the world is going

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to be really helpful. It's a it's a

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bit of a a weird way to say

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it, but I think bringing everybody along is

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actually going to be the fastest way to

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get this technology adopted. It's like you how

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you need trust,

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you need adoption,

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and you need tech that works. And you

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only know if your agentic system works and

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is actually solving the problem of the workflow

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and the practitioners

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if those practitioners are using it and are

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telling you what is working and what is

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not working, which requires a lot of trust

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and it requires a lot of adoption. So

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just as much investment in tech, I think,

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also needs investment in just change management with

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the organization.

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I'm very excited about our future here. I

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I think there is real opportunity here to

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personalize care and outreach and and help lots

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of people in the ways they like to

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be helped.

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Yeah. No.

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I can hear the excitement in your voice,

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Me too, and it's always it's a pleasure

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to talk to people who are really passionate

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about the work that they're doing. And and,

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I really appreciate also those last three pillars

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you shared with our listeners. You know, what

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will it take looking ahead? It'll take trust,

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adoption, and tech that works.

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Such a fantastic discussion. Thank you so much

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again, Mitu, for making the time for Becker's

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00:15:56,399 --> 00:15:56,899
today.

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00:15:57,279 --> 00:15:59,039
Thank you very much, and thank you very

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00:15:59,039 --> 00:16:01,200
much for the opportunity. Really excited to be

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00:16:01,200 --> 00:16:01,700
here.

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And we also wanna thank our podcast sponsor

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00:16:04,554 --> 00:16:06,174
for today, Lilac Software.

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00:16:06,715 --> 00:16:08,715
You can tune into more podcasts from Becker's

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00:16:08,715 --> 00:16:13,215
Healthcare by visiting our podcast page at beckershospitalreview.com.