brob

807 posts

brob

brob

@brobsubeez

Katılım Aralık 2023
88 Takip Edilen95 Takipçiler
Albert Alan, MD
Albert Alan, MD@AlbertAlan·
Clover Health $CLOV Stock: CMS Just Announced a 2.48% Rate Increase $13 BILLION Bombshell
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Juanita Broaddrick
Juanita Broaddrick@atensnut·
NASA’s coffee cup designed specifically not to spill in zero gravity ☕️
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Special Interest Media
Special Interest Media@thoughtson_tech·
Merritt's comment is doing real work here, but it's worth separating what he's actually complaining about from what it proves. BCBS objecting to rate adequacy is not evidence that insurers lack incentive to control costs, it's evidence that they want both: reimbursement high enough to cover trend and internal cost management that widens the margin between the two. Those are compatible goals, not contradictory ones. The CY2027 final rule actually sharpens that incentive structure through Star Ratings consolidation. When you strip out 11 measures and concentrate bonuses on CAHPS, medication adherence, and chronic disease management, you're not loosening the accountability framework, you're narrowing it to domains where scaled incumbents already outperform. The quality bonus economics flow to plans that can move those specific needles efficiently, which creates a real operational pressure to manage utilization in exactly those categories. Where your broader point has more traction is in the equity rollbacks. Removing the Health Equity Index reward and stripping UM Committee equity requirements doesn't just reduce compliance burden, it removes the measurement apparatus that would have caught disparity-driven over-utilization. Plans can now under-serve high-cost populations without a Star Rating penalty, that's a cost-control failure mode that the old framework at least tried to price in. The $500 billion federal spend and 33 million beneficiaries make this a rate negotiation, not a free market, so "zero incentive" overstates it, but the structural asymmetry you're pointing at is real.
Albert Alan, MD@AlbertAlan

$CLOV $ALHC What did I say last night about Insurance companies having ZERO incentive to lower healthcare costs! Well here is Mr. Merritt (Senior Vice President of Blue Cross Blue Shield) literally telling CMS "this final rate still does not fully offset medical costs... premiums will continue to rise, and seniors will lose..." He thinks this is 2010, just like blackberry thought it was 1999. Mark this post by 2036. Dr. Albert Alan, MD

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Albert Alan, MD
Albert Alan, MD@AlbertAlan·
$CLOV I need to talk about what Clover Health just did because it hit me somewhere I was not expecting. When I was a third year medical student, we admitted an elderly patient through the emergency department. Advanced dementia. Nonverbal. No family at bedside. No identification beyond what the ambulance crew could provide. And no medical records. We had a human being in front of us and almost nothing to work with. We could do a physical exam. We could draw labs. But a physical exam does not tell you which of the four blood pressure medications someone was started on six months ago at a clinic across town. It does not tell you that a cardiologist already ruled out the arrhythmia you are about to spend twelve hours working up. It does not tell you that this patient had a severe allergic reaction to a contrast dye last year, and you are about to order a CT with contrast because no one documented it anywhere you can access. It does not tell you that the reason this patient is altered is because someone recently changed their seizure medication and nobody in this emergency room has any way of knowing that. We treated that patient the best we could. But I remember standing there thinking we are not practicing medicine right now. We are guessing. Educated guessing, yes. But guessing. For a patient who could not fill in a single gap for us. Who depended entirely on a system that had failed to keep their story in one place. I have carried that feeling with me into my career. Because that patient was not an outlier. That patient is someone’s mother or father in a memory care facility right now. That patient is the reason a family member calls every new doctor’s office and repeats the same history over and over, terrified that something critical will slip through the cracks. That is why what Vivek Garipalli and the Clover Health team just accomplished means so much to me. Clover became the first payer to go live on a CMS Aligned Network, delivering real time interoperability through their Counterpart Health platform. A patient’s clinical history and claims data can now follow them. Structured. Standardized. Accessible in the moments that matter most, not buried in a fax queue or locked inside a system that does not connect to anything. Picture what this means. Your parent with dementia is transported to an unfamiliar emergency room. And instead of starting from zero, the treating physician can pull up their medication list, their problem list, their recent encounters. They can see that the lisinopril was just increased. They can see the contrast allergy. They can make decisions rooted in knowledge instead of uncertainty. For a patient who cannot advocate for themselves, this technology becomes their voice. Vivek, thank you. You built CarePoint Health to serve communities that the system overlooked. You built Clover to change how Medicare works for seniors. And now you have moved the entire industry forward by proving that interoperability is not a regulatory box to check. It is how we protect the people who are least able to protect themselves. Everyone knows there is a way to invest and build wealth. That path is well worn. But what is rare, what is truly rare, is choosing to build something that makes a doctor more capable at a bedside. Something that wraps itself around the most vulnerable people in our society and says we see you, even when you cannot speak for yourself. That is not just a business. That is a contribution to humanity. I will be a better doctor because of what Clover Health is building. And I think about that patient from my third year often. I think about how different that night could have been. How many nights like that are happening right now in hospitals all over this country. And how what Clover just made real has the power to change every single one of them. Vivek, you and your team got this one right. And I am grateful.
Vivek Garipalli@VivekGaripalli

A really important additional reason for your parent or grandparent (or great grandparent) to consider Clover as their insurer

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Ken
Ken@Ken_CPB·
@AlbertAlan Pre CMS rate notice announcement was Wall Street buying because they got the leak. Post CMS rate notice was mostly retail buying. So that means... Wall Street chose: CLOV Retail chose: HUM and UNH
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Mario Nawfal
Mario Nawfal@MarioNawfal·
🚨🇺🇸 BREAKING: A tanker truck just exploded on a major Michigan highway US‑131 near I‑196. All lanes shut down, extended closure expected. The cab was found empty... meaning the driver either got out before or wasn't in it at all.
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OSINTdefender
OSINTdefender@sentdefender·
Iranian operatives have been digging out underground missile bunkers and silos struck by American and Israeli bombs, returning them to operation hours after an attack, with Iran’s Islamic Revolutionary Guard Corps (IRGC) still retaining a significant amount of its cruise and ballistic missiles as well as mobile launchers, according to recent U.S. intelligence reports shared with The New York Times.
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Mike Jones
Mike Jones@BirchwoodPark_·
Im not blaming others. I reduced my position long ago to a point that i am ok with losing it. $clov
brob@brobsubeez

@BirchwoodPark_ @AlbertAlan Does it make you feel better to blame others instead of taking accountability for your own actions.

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brob
brob@brobsubeez·
@BirchwoodPark_ @AlbertAlan Does it make you feel better to blame others instead of taking accountability for your own actions.
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Mike Jones
Mike Jones@BirchwoodPark_·
@AlbertAlan Reminder of what? How wrong you have been? You realize you are going to be sued right? By a lot of people. $clov @AlbertAlan
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brob
brob@brobsubeez·
@AlbertAlan @ALSTOCKTRADES I am very confident he will deliver for me and for all of our current and future shareholders in ways that will be spectacular and shocking (in a good way) over the next many years.
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Jawnee
Jawnee@flagellan·
@DougAMacgregor I was just today's year old finding out IRAN has universal healthcare *and* free college! I've been so livid all day after finding this out, I started fucking day drinking! Fuck this miserable-ass country that cares more avout murdering ppl across the world than its own people!
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brob
brob@brobsubeez·
@elonmusk But keep auditing the American taxpayer
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Nickel Dimer Bets
Nickel Dimer Bets@NickelDimerBets·
$Clov how many subdomains are we up to?
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Grant Hesser
Grant Hesser@GrantHesser·
For those paying attention, this is a big deal buried on page 60 of the LEAD RFA released today.
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Jdubbs
Jdubbs@Jdubbs00627840·
One year ago in MARCH $CLOV bought back ~5M shares at $3.60 Not hype. Not dilution. Actual conviction Today: ✔ Stronger margins ✔ Cleaner balance sheet ✔ Net GAAP income positive (Q1 2026) The market priced it like it was broken. It wasn’t. It was early
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𝐖𝐎𝐋𝐕𝐄𝐒 𝐖𝐑𝐋𝐃
@officer_Lew LMAO. First 15 seconds tell you all you need to know. He had HOURS of time to simply walk away and de-escalate, but couldn't take that L to his ego. Enjoy the brain damage, retard. What's the phrase the bootlickers like to live by? I think this is the find out phase.
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Officer Lew
Officer Lew@officer_Lew·
BREAKING🚨: Video footage emerging from the No Kings protest in Honolulu appears to show tourists attacking a man in ICE uniform, beating him unconscious and continuing to punch and kick him on the ground.
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Albert Alan, MD
Albert Alan, MD@AlbertAlan·
$UNH Warren Buffett has lost over $265 million on historic UnitedHealth stock bet
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