“First of all, as I said in my prepared remarks, we do plan to get back to market growth in our individual MA product for a number of reasons.”

In context

“around the risk adjustment and so forth. I wonder if I could get you to flesh that out a little more of what you all see in Oak Street relative to some of the other things perhaps you've looked at or whatever that makes you confident of their ability to make the adjustments or if they've already got things in place to do that? And then maybe the follow-up I'll ask now, too. Shawn, you guys have laid out the mitigation steps that you are taking to offset the Star Rating headwind for next year. I wonder if you've got the update on what you're doing with respect to the one plan that got hit with respect to some of the cost reduction programs that you talked about implementing and other things, any update on that would be great? Karen Lynch: Hi, A.J. Yes, let me take a couple of those things. First of all, as I said in my prepared remarks, we do plan to get back to market growth in our individual MA product for a number of reasons. I'll start with the work that we've been doing on our -- kind of in our Medicare product, making sure that we have strong benefits and strong service capabilities. We believe that Oak Street and Signify also give us credibility in the Medicare Advantage space. We took a long hard look at Oak Street and their ability to adapt to the Medicare rate advantage. The one thing that we were most impressed by was the level of commitment that they have relative to their patient care. And secondly, the technology platform that they have. And I'm going to ask Mike to actually talk a little bit more about that, but I would say that very, very strong performing business. We are excited about what their capabilities will bring to our Medicare and also other payers, Medicare because as you know, it's a p”