Clover Health Investor Presentation Deck
DC Presents Another Opportunity To Leverage The Clover
Assistant To Drive Strong Economics
MCR
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OpEx
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Levers for Success
Drive to near 100% Clover Assistant Coverage (unlike MA, no PCPs
are "out of network"). Since launch in April, over 50% of our
aligned beneficiaries have already received a Clover Assistant visit
Drive clinical value (~1500 bps of identified potential) through CA
and our operations. Examples of opportunities include:
- In-Home Care
Preferred specialists
Readmission prevention
Utilization in appropriate post-acute setting
Appropriate classification of inpatient visits
Significantly reduced CAC compared to MA given B2B sales motion
Significantly reduced non-growth OpEx as a % of Revenue given
elimination of plan functions (e.g., claims adjudication)
100.0%
Illustrative
Baseline
"MCR"
Illustrative Savings Opportunity
2.0 - 5.0%
15.0%
Savings Illustrative
Guarantee to Savings
Government Potential
87.0 - 90.0%
Clover DCE
Potential
Clover DCE
Potential Post-
Shared Savings
With Providers
In our second quarter of operations, our initial roll-out of clinical programs and COVID mean
reversion has driven a 900bp+ improvement in MCR sequentially, yielding a DC Margin of
102.4% for Q3. We believe this sets us up well to drive strong margins in the quarters to come.
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