[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: How confident is Cigna that they can continue to earn an attractive return if some payment vehicles are reduced or removed?
### Assistant: Cigna is confident that they can continue to earn an attractive return if some payment vehicles are reduced or removed. They have a broad set of capabilities that create value and will adapt to changes in the regulatory environment or client preferences.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What steps is Cigna taking to expand transparency in prescription drug benefits?
### Assistant: Cigna is taking several steps to expand transparency in prescription drug benefits. They have introduced ClearCareRx, which offers transparency by allowing clients to pay exactly what Cigna pays pharmacies for prescriptions and receive 100% of drug rebates obtained by Cigna.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: How does Cigna's ClearCareRx program provide transparency and accountability for prescription drug benefits?
### Assistant: Cigna's ClearCareRx program provides transparency and accountability for prescription drug benefits by offering clients the opportunity to pay exactly what Cigna pays pharmacies for prescriptions. It also ensures that clients receive 100% of drug rebates obtained by Cigna.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What guarantees do clients receive regarding clinical and financial performance measures in Cigna's programs?
### Assistant: Clients receive guarantees regarding clinical and financial performance measures in Cigna's programs. This holds Cigna accountable for improvements in overall [Technical difficulty] and patient outcomes.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: How does Cigna drive greater transparency in their spread pricing programs?
### Assistant: Cigna drives greater transparency in their spread pricing programs by providing clients with enhanced financial and fee disclosures regarding these programs when they exist.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What additional disclosures is Cigna providing about Express Scripts' model in their quarterly regulatory filings and on their microsite?
### Assistant: Cigna is providing additional disclosures about Express Scripts' model in their quarterly regulatory filings and on their new microsite. These disclosures offer more information about how their model works and the value they deliver.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: When will Cigna offer a new digital pharmacy benefit statement for customers?
### Assistant: Cigna will offer a new digital pharmacy benefit statement for customers starting in 2024.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What information will be included in Cigna's new digital pharmacy benefit statement?
### Assistant: The new digital pharmacy benefit statement will include drug pricing information, out-of-pocket costs, and the net value delivered by Cigna on behalf of customers.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: How does Cigna's Patient Assurance Program lower costs for customers?
### Assistant: Cigna's Patient Assurance Program lowers costs for customers by capping out-of-pocket costs for eligible members of select diabetes and cardiovascular medications.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: How much did customers taking insulin save in 2022 due to Cigna's Patient Assurance Program?
### Assistant: Customers taking insulin saved more than $18 million in 2022 due to Cigna's Patient Assurance Program.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What is Cigna's new copay assurance plan and how does it cap out-of-pocket costs for customers?
### Assistant: Cigna's new copay assurance plan caps out-of-pocket costs for customers in client prescription drug benefits at $5. This helps to further reduce costs for customers.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: How does Cigna align with lowering costs of prescription drugs for customers?
### Assistant: Cigna aligns with lowering costs of prescription drugs for customers by implementing programs like the Patient Assurance Program and the new copay assurance plan. They aim to make prescription drugs more affordable for their customers.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What specific medications are eligible for Cigna's Patient Assurance Program?
### Assistant: The text does not specify the specific medications that are eligible for Cigna's Patient Assurance Program.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: How does Cigna ensure accountability for clinical and financial performance measures?
### Assistant: Cigna ensures accountability for clinical and financial performance measures by offering guarantees to clients. They hold themselves accountable for improvements in overall [Technical difficulty] and patient outcomes.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What improvements in overall [Technical difficulty] and patient outcomes does Cigna aim for in their programs?
### Assistant: Cigna aims for improvements in overall [Technical difficulty] and patient outcomes in their programs. They strive to deliver better health outcomes through their clinical programs.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: How does Cigna drive competition among drug manufacturers to bring costs down and deliver better health outcomes through their clinical programs?
### Assistant: Cigna drives competition among drug manufacturers to bring costs down and deliver better health outcomes through their clinical programs. They leverage their capabilities, from supply chain to benefit design, to create value and improve the affordability of prescription drugs.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What are the prices for generic drugs at Cigna?
### Assistant: The text does not provide specific information about the prices for generic drugs at Cigna.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: How much does Cigna charge for preferred brand medications?
### Assistant: The text does not provide specific information about the cost of preferred brand medications at Cigna.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What is the cost of preferred specialty medications at Cigna?
### Assistant: The text does not provide specific information about the cost of preferred specialty medications at Cigna.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What initiatives does Cigna have to support pharmacists in rural communities?
### Assistant: Cigna has initiatives to support pharmacists in rural communities across the United States.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: How is Cigna increasing reimbursement for independent pharmacists?
### Assistant: Cigna is increasing reimbursement to true independent pharmacists.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What opportunities is Cigna partnering in to expand clinical practices for pharmacists?
### Assistant: Cigna is partnering in opportunities to expand the clinical practices of pharmacists.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What is the purpose of the advisory committee of community pharmacists convened by Cigna?
### Assistant: The purpose of the advisory committee of community pharmacists convened by Cigna is not mentioned in the text.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: How have Cigna's recent actions been received by stakeholders?
### Assistant: Cigna's recent actions have been received positively by a wide range of stakeholders, including clients, pharmacy network partners, and policymakers.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: Who recognizes Cigna's commitment as a leader and trusted partner?
### Assistant: Clients, pharmacy network partners, and policymakers recognize Cigna's commitment as a leader and trusted partner.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What expertise does Cigna have in designing programs for specific client needs?
### Assistant: Cigna has deep expertise in designing programs for specific client needs.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: How is Cigna driving innovation in the pharmacy benefits market?
### Assistant: Cigna is driving innovation in the pharmacy benefits market.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What is the goal of Cigna's care coordination programs?
### Assistant: The goal of Cigna's care coordination programs is not mentioned in the text.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: How does Cigna advocate for clients in lowering costs?
### Assistant: Cigna advocates for clients by helping to lower costs and allowing them to choose the appropriateness of programs that work best for their business.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What is Cigna's approach to driving greater affordability and transparency?
### Assistant: Cigna's approach to driving greater affordability and transparency is not specified in the text.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What was Cigna's adjusted EPS for the first quarter?
### Assistant: Cigna's adjusted EPS for the first quarter was $5.41 per share.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: How has Cigna increased its full year outlook for adjusted EPS?
### Assistant: Cigna has increased its full year outlook for adjusted EPS.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What is Cigna's outlook for revenue and customer growth?
### Assistant: The text does not provide specific information about Cigna's outlook for revenue and customer growth.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: How has Cigna improved its medical care ratio?
### Assistant: Cigna has improved its medical care ratio.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: How does Cigna navigate varying economic conditions?
### Assistant: Cigna navigates varying economic conditions by shaping its business model and utilizing differentiated capabilities within Evernorth.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What differentiated capabilities does Evernorth provide for Cigna?
### Assistant: Evernorth provides differentiated capabilities for Cigna.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: How does Evernorth contribute to Cigna's earnings?
### Assistant: Evernorth contributes approximately 60% of Cigna's earnings.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What are the earnings sources for Evernorth's Express Scripts PBM?
### Assistant: The earnings sources for Evernorth's Express Scripts PBM include service and administrative fees, clinical programs, value-based care arrangements, retained rebates, and retail spread.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: How has the percentage of PBM retained rebates and retail spread changed over time for Evernorth?
### Assistant: The text does not provide specific information about how the percentage of PBM retained rebates and retail spread has changed over time for Evernorth.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: How does the Evernorth business mix affect margins?
### Assistant: The Evernorth business mix affects margins, but the specific impact is not mentioned in the text.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: How confident is Cigna in its ability to deliver and capture value in a changing environment?
### Assistant: Cigna is confident in its ability to deliver and capture value in a dynamic and changing environment.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: How much did Cigna's revenues grow in the first quarter of 2023?
### Assistant: Cigna's revenues grew 8% in the first quarter of 2023.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What were Cigna's pre-tax adjusted earnings in the first quarter of 2023?
### Assistant: Cigna's pre-tax adjusted earnings in the first quarter of 2023 were $1.1 billion.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What drove Evernorth's results in the first quarter of 2023?
### Assistant: Evernorth's results in the first quarter of 2023 were driven by continued strong growth in their high-performing specialty pharmacy business and their focus on affordability and delivering lowest net cost solutions for customers and clients.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: How does Cigna focus on affordability and delivering lowest net cost solutions?
### Assistant: Cigna focuses on affordability and delivering lowest net cost solutions by implementing affordability initiatives, maintaining pricing discipline, and engaging in clinical engagement models.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What strategic investments has Cigna made to strengthen and grow client relationships?
### Assistant: Cigna has made strategic investments to strengthen and grow client relationships, expand their portfolio of products and services, and advance their digital capabilities.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What partnerships is Cigna implementing and collaborating with?
### Assistant: Cigna is implementing the Centene contract that begins in 2024 and collaborating with VillageMD to further accelerate their value-based care programs and capabilities.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: How does Cigna plan to expand value-based solutions for its clients?
### Assistant: Cigna plans to expand value-based solutions for its clients by deepening relationships across Evernorth and Cigna Healthcare and expanding their portfolio of products and services.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What is the expected opportunity for biosimilars in the second half of this year?
### Assistant: The expected opportunity for biosimilars in the second half of this year is high, with high visibility into expected savings for customers and clients, regardless of utilization shifts or product approvals in the market.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: How did Cigna Healthcare's adjusted revenues grow in the first quarter of 2023?
### Assistant: Cigna Healthcare's adjusted revenues grew 12% in the first quarter of 2023.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What was the medical care ratio for Cigna Healthcare in the first quarter of 2023?
### Assistant: The medical care ratio for Cigna Healthcare in the first quarter of 2023 was 81.3%.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: How many total medical customers did Cigna have at the end of the first quarter of 2023?
### Assistant: Cigna had 19.5 million total medical customers at the end of the first quarter of 2023.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: How much did Cigna's commercial customers increase year to date?
### Assistant: Cigna's commercial customers increased 8% year to date.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What drove growth in Cigna's U.S. government business?
### Assistant: Growth in Cigna's U.S. government business was driven by considerable growth in their U.S. individual and Medicare Advantage customers, with Medicare Advantage growth of 10% on a year-to-date basis.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What were Cigna's consolidated adjusted revenues for full year 2023?
### Assistant: Cigna's consolidated adjusted revenues for full year 2023 are expected to be at least $188 billion.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What is Cigna's adjusted earnings per share outlook for full year 2023?
### Assistant: Cigna's adjusted earnings per share outlook for full year 2023 is at least $24.70 per share.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: How does Cigna expect earnings to be weighted throughout the year?
### Assistant: Cigna expects earnings this year to be back-half weighted, with second-half EPS contributing slightly below 55% of full year EPS.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What are Cigna's expectations for Evernorth's full year 2023 adjusted earnings?
### Assistant: Cigna expects Evernorth's full year 2023 adjusted earnings to be at least $6.4 billion.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: How much does Cigna expect its medical customer growth to be in 2023?
### Assistant: Cigna expects its medical customer growth to be at least 1.3 million in 2023.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: How does Cigna plan to invest in growth and innovation in Evernorth?
### Assistant: Cigna plans to invest in growth and innovation in Evernorth by continuing to build cross-enterprise leverage capabilities and making strategic investments.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What is Cigna's outlook for Evernorth's full year 2023 adjusted earnings?
### Assistant: Cigna's outlook for Evernorth's full year 2023 adjusted earnings is at least $6.4 billion.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: How does Cigna prioritize affordability for its customers and clients?
### Assistant: Cigna prioritizes affordability for its customers and clients by focusing on delivering lowest net cost solutions and implementing affordability initiatives.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What is the significance of Cigna's diversified set of earnings streams?
### Assistant: The significance of Cigna's diversified set of earnings streams is that it enables them to innovate and adapt through dynamic environments.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: How does Cigna differentiate its market-leading products and services?
### Assistant: Cigna differentiates its market-leading products and services through their continued focus on affordability, delivering lowest net cost solutions, and their clinical engagement models.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What is the growth rate of Cigna's U.S. individual and Medicare Advantage customers?
### Assistant: The growth rate of Cigna's U.S. individual and Medicare Advantage customers is 10% on a year-to-date basis.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: How does Cigna deliver differentiated value and affordability to its customers and clients?
### Assistant: Cigna delivers differentiated value and affordability to its customers and clients through their market-leading products and services, affordability initiatives, pricing discipline, and clinical engagement models.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: How many lives did Cigna gain as customers?
### Assistant: Cigna gained 100,000 lives as customers.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What is Cigna's projected medical care ratio outlook for 2023?
### Assistant: Cigna's projected medical care ratio outlook for 2023 is a range of 81.5% to 82.3%.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What is Cigna's expected adjusted earnings for 2023?
### Assistant: Cigna's expected adjusted earnings for 2023 are at least $4.425 billion.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: Has Cigna seen a material impact on healthcare enrollment levels?
### Assistant: Cigna has not seen a material impact on healthcare enrollment levels.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: How does Cigna remain prudent with respect to enrollment outlook?
### Assistant: Cigna remains prudent with respect to enrollment outlook by considering full year guidance relative to first quarter customer growth results.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: Does Cigna expect organic employer client growth throughout the year?
### Assistant: Yes, Cigna expects organic employer client growth throughout the year.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: Does Cigna's outlook include customer growth from Medicaid redeterminations?
### Assistant: No, Cigna's outlook does not include customer growth from Medicaid redeterminations.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: How has Cigna strategically positioned its portfolio of businesses?
### Assistant: Cigna has strategically positioned its portfolio of businesses to be more diversified than in prior economic downturns.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What is Cigna's current debt-to-capitalization ratio?
### Assistant: Cigna's current debt-to-capitalization ratio is 42.2%.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: Does Cigna plan to lower its debt-to-capitalization ratio?
### Assistant: Yes, Cigna plans to lower its debt-to-capitalization ratio over the balance of the year.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: How many shares of common stock has Cigna repurchased year to date?
### Assistant: Cigna has repurchased approximately 3.7 million shares of common stock for approximately $1.1 billion year to date.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What is Cigna's expected cash flow from operations for 2023?
### Assistant: Cigna expects at least $9 billion of cash flow from operations for 2023.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: How does Cigna's balance sheet and cash flow outlook remain strong?
### Assistant: Cigna's balance sheet and cash flow outlook remain strong due to their highly efficient service-based model.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: How did Cigna's first quarter results compare to expectations?
### Assistant: Cigna's first quarter results were above expectations.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: How did Evernorth perform in the first quarter?
### Assistant: Evernorth performed in line with expectations in the first quarter.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What is Cigna's increased EPS guidance for 2023?
### Assistant: Cigna's increased EPS guidance for 2023 is at least $24.70.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What is Cigna's expected adjusted EPS for 2024?
### Assistant: Cigna's expected adjusted EPS for 2024 is at least $28.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What is Cigna's long-term average annual EPS growth expectation?
### Assistant: Cigna expects average annual EPS growth of 10% to 13% in the long run.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: How does Cigna plan to navigate the operating and regulatory backdrop?
### Assistant: Cigna plans to navigate the operating and regulatory backdrop with their diversified business mix and complementary capabilities across Evernorth and Cigna Healthcare.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What is the operator's role in the Q&A portion of the call?
### Assistant: The operator's role in the Q&A portion of the call is to facilitate the question and answer session.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: Who is the first question from in the Q&A portion?
### Assistant: The first question comes from Ms. Lisa Gill with J.P. Morgan.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What is the question from Ms. Lisa Gill with J.P. Morgan?
### Assistant: The question from Ms. Lisa Gill with J.P. Morgan is not provided in the given text.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What is the disconnect between legislative standpoint and how PBMs operate?
### Assistant: The disconnect between legislative standpoint and how PBMs operate is not explicitly mentioned in the given text.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: How are employers responding to legislation and the selling season?
### Assistant: The response from employers to legislation and the selling season is not explicitly mentioned in the given text.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: How is Cigna thinking about the 2024 selling season?
### Assistant: Cigna's thinking about the 2024 selling season is not explicitly mentioned in the given text.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What is the purpose of Cigna's copay assurance program?
### Assistant: The purpose of Cigna's copay assurance program is to provide out-of-pocket predictability for individuals under a variety of circumstances.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: How does Cigna address the issue of high deductibles in their programs?
### Assistant: Cigna addresses the issue of high deductibles in their programs by recognizing that if someone has a high deductible plan and experiences a significant out-of-pocket cost for a pharmaceutical in a specific month, it creates a financial dislocation for the individual. They consider this a failure of the system and aim to innovate and improve to ensure it works for everyone.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What initiatives does Cigna have in place to support individuals in rural locations?
### Assistant: Cigna has initiatives in place to support individuals in rural locations. They have rural pharmacy and independent pharmacy initiatives that directly address specific actions to support these individuals.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: How does Cigna ensure out-of-pocket predictability for individuals?
### Assistant: Cigna ensures out-of-pocket predictability for individuals by implementing their copay assurance program, which directly addresses the issue and provides predictability for individuals under various circumstances.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What is the ClearCareRx program and who was it designed for?
### Assistant: The ClearCareRx program is a program designed by Cigna in collaboration with about a dozen sophisticated large employers. It was designed to work for both the employers and Cigna, and it has been rolled out in scale.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: How does Cigna work with employers to design programs that work for them?
### Assistant: Cigna works with employers to design programs that work for them by collaborating with them and taking their needs and preferences into account during the design process.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What is the Evernorth service portfolio and how does Cigna expect it to grow in 2024?
### Assistant: The Evernorth service portfolio is a service offered by Cigna, and they expect it to experience growth in 2024. They anticipate strong retention and good growth as their products and programs resonate in the marketplace.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What is Cigna's historical retention rate for employers?
### Assistant: Cigna's historical retention rate for employers has been in the mid-90s or better.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What advancements is Cigna making in terms of transparency in clinical programs?
### Assistant: Cigna is making advancements in terms of transparency in clinical programs, aiming to provide further transparency in these programs.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What financing mechanisms does Cigna offer to employers?
### Assistant: Cigna offers employers the choice of financing mechanisms in their programs.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: How does Cigna ensure choice for employers in their programs?
### Assistant: Cigna ensures choice for employers in their programs by aligning with their financing mechanisms and providing them with options.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What is the expected growth for Cigna's Evernorth service portfolio in 2024?
### Assistant: Cigna expects the Evernorth service portfolio to experience growth in 2024.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: How does Cigna measure success for their Evernorth results in the first quarter?
### Assistant: Cigna measures success for their Evernorth results in the first quarter by comparing them to their expectations and finding them to be in line with those expectations.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: Why were script volumes down in the first quarter for Evernorth?
### Assistant: Script volumes were down in the first quarter for Evernorth due to the specialty pharmacy script counts being dwarfed by the generics and higher volume script counts that come through the PBM.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What percentage of revenue in Evernorth comes from specialty pharmacy business?
### Assistant: 40% of the revenue in Evernorth comes from the specialty pharmacy business.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: How does Cigna's specialty pharmacy business compare to generic volumes in terms of script counts?
### Assistant: Cigna's specialty pharmacy business has lower script counts compared to the higher volume script counts of generics.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What was the year-over-year growth for Cigna's specialty pharmacy business?
### Assistant: The year-over-year growth for Cigna's specialty pharmacy business was in the mid-teens.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: How does Cigna address the issue of accessibility in rural locations?
### Assistant: Cigna addresses the issue of accessibility in rural locations by recognizing that some rural locations may not have the same access or accessibility as other areas. They have initiatives in place to directly support individuals in these locations.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What is the overall affordability of Cigna's programs?
### Assistant: The overall affordability of Cigna's programs is designed to generate affordability for everyone.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: How does Cigna ensure that their programs work for everyone?
### Assistant: Cigna ensures that their programs work for everyone by recognizing that not all programs work for everyone and they need to continue to innovate and improve to make sure it works for everyone.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What is the role of Cigna's home delivery in their pharmacy networks?
### Assistant: Cigna's home delivery is part of their pharmacy networks and contributes to the leading breadth of network access they offer.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: How does Cigna ensure out-of-pocket predictability for individuals under different circumstances?
### Assistant: Cigna ensures out-of-pocket predictability for individuals under different circumstances through their copay assurance program, which directly addresses the issue and provides predictability.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: How does Cigna support independent pharmacies?
### Assistant: Cigna supports independent pharmacies through their initiatives and specific actions aimed at supporting individuals.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What is the receptivity of employers to Cigna's advancements in transparency and clinical programs?
### Assistant: Employers have high receptivity to Cigna's advancements in transparency and clinical programs.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: How does Cigna ensure good growth and strong retention in their Evernorth service portfolio?
### Assistant: Cigna ensures good growth and strong retention in their Evernorth service portfolio through their products and programs resonating in the marketplace.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What is the company name mentioned in the text?
### Assistant: The company name mentioned in the text is Evernorth.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What year is mentioned in the text?
### Assistant: The year mentioned in the text is '24, referring to the future.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What client mix changes occurred from '22 to '23?
### Assistant: The text does not explicitly mention the client mix changes that occurred from '22 to '23.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: How did the client mix changes affect script counts?
### Assistant: The text suggests that the client mix changes from '22 to '23 drove the kind of flattish all-in script counts.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What is the expected impact of onboarding Centene in '24?
### Assistant: The expected impact of onboarding Centene in '24 is a meaningful step-up in a certain metric.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: How does the specialty pharmacy growth affect script count metrics?
### Assistant: The specialty pharmacy growth masks the impact on script count metrics when looking purely at the numbers.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: Who is the analyst from Barclays mentioned in the text?
### Assistant: The analyst from Barclays mentioned in the text is Steven Valiquette.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What is the analyst's question about the PBM and regulatory focus?
### Assistant: The analyst's question about the PBM and regulatory focus is about finding middle ground in terms of different solutions that could address pain points and whether the company can quickly shift clients to new payment models in response to legislative changes.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: How does the company address lowering out-of-pocket costs for patients?
### Assistant: The company addresses lowering out-of-pocket costs for patients by offering choices in the marketplace and balancing overall affordability.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What program did the company roll out in 2019 for insulin-dependent diabetics?
### Assistant: The company rolled out the first of its kind, the patient insurance program for insulin-dependent diabetics in 2019.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: How many people are benefiting from the insulin program?
### Assistant: The text does not mention the number of people benefiting from the insulin program.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What are some challenges in implementing copay assurance programs?
### Assistant: Some challenges in implementing copay assurance programs include regulatory requirements that may limit their applicability to certain types of healthcare plans.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: How does the company ensure precision in benefit design and communication strategies?
### Assistant: The company ensures precision in benefit design and communication strategies by being consultative with employers and considering the specific regulatory requirements of different healthcare plans.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What flexibility has the company demonstrated in its model?
### Assistant: The company has demonstrated tremendous flexibility in its model and the ability to pivot quickly.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What additional data has the company provided to investors?
### Assistant: The text mentions that the company has provided additional data to investors, but it does not specify what that data is.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What tools does the company offer for providing choice in financing mechanisms?
### Assistant: The company offers tools like the ClearCareRx program to provide choice in financing mechanisms.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: How confident is the company in its ability to pivot and offer choice?
### Assistant: The company is confident in its ability to pivot and offer choice if necessary.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What is the name of the analyst from Goldman Sachs mentioned in the text?
### Assistant: The analyst from Goldman Sachs mentioned in the text is Nathan Rich.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What is the analyst's question about client preferences and legislative changes?
### Assistant: The analyst's question about client preferences and legislative changes is about how quickly the company can shift clients to new payment models to adjust to a new regulatory backdrop.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: How quickly can the company shift clients to new payment models in response to legislation?
### Assistant: The text does not provide a specific answer to how quickly the company can shift clients to new payment models in response to legislation.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What is the CEO's response to the question about affordability and out-of-pocket costs?
### Assistant: The CEO's response to the question about affordability and out-of-pocket costs is that choices have been in the marketplace for some time and, on average, those programs are working well in terms of overall affordability.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: How do plan sponsors make trade-offs in terms of premiums and benefits?
### Assistant: Plan sponsors make trade-offs in terms of how much is put into premiums and how much is put into benefits to balance overall affordability.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What is the CEO's example of a specific program the company has implemented?
### Assistant: The CEO's example of a specific program the company has implemented is the patient insurance program for insulin-dependent diabetics, which capped monthly costs at $25.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What are some regulatory requirements that affect the implementation of copay assurance programs?
### Assistant: Some regulatory requirements that affect the implementation of copay assurance programs include limitations on which types of healthcare plans they can be used in and restrictions on the types of drugs they can cover.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What is the company's approach to benefit design and communication strategies during open enrollment?
### Assistant: During open enrollment, the company ensures precision in benefit design and communication strategies by being consultative with employers and considering the specific regulatory requirements of different healthcare plans.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What is Cigna's approach to value-based care programs?
### Assistant: Cigna's approach to value-based care programs is oriented around partnering, using data, and collaborating with additional care extended resources to drive better, more consistent clinical outcomes and overall value.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: How many of Cigna's MA lives are currently in a value-based program?
### Assistant: Approximately 75% of Cigna's Medicare Advantage (MA) lives are currently in a value-based program.


[INST] <<SYS>>
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<<\/SYS>>

### Human: What percentage of lives in commercial or individual exchange plans benefit from a value-based program?
### Assistant: Depending on the plan type, around 40% to 50% of lives in Cigna's commercial or individual exchange plans benefit from a value-based program.


[INST] <<SYS>>
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<<\/SYS>>

### Human: How does Cigna collaborate with VillageMD to accelerate value-based care?
### Assistant: Cigna collaborates with VillageMD to further accelerate value-based care by partnering more deeply with Village and collaborating with them on various initiatives.


[INST] <<SYS>>
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<<\/SYS>>

### Human: What types of programs has VillageMD proven successful in, in terms of value-based care?
### Assistant: VillageMD has proven successful in both commercial and Medicare Advantage value-based care programs.


[INST] <<SYS>>
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<<\/SYS>>

### Human: How does Cigna's collaboration with VillageMD benefit their pricing in specific markets?
### Assistant: Cigna's collaboration with VillageMD benefits their pricing in specific markets by yielding benefits and contributing to pricing where the initiatives are underway.


[INST] <<SYS>>
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<<\/SYS>>

### Human: What is Cigna's net rate for 2024 compared to the industry average?
### Assistant: Cigna's net rate for 2024 is expected to approximate the industry average when considering all the factors involved.


[INST] <<SYS>>
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<<\/SYS>>

### Human: What is Cigna's growth outlook for 2023?
### Assistant: Cigna is pleased with their growth outlook for 2023, having achieved a 10% growth rate to date and seeing traction in maturing markets.


[INST] <<SYS>>
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<<\/SYS>>

### Human: How does Cigna approach bid strategies for 2024?
### Assistant: Cigna approaches bid strategies for 2024 on a market-by-market basis, taking into account specific factors and conditions in each market.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What updates can be expected regarding Cigna's pricing strategy for 2024?
### Assistant: Updates regarding Cigna's pricing strategy for 2024 can be expected in the second half of the year as they progress through the bid cycle.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: How much of Cigna's profits come from spread contracts and rebates?
### Assistant: Approximately 20% of Cigna's profits come from spread contracts and rebates.


[INST] <<SYS>>
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<<\/SYS>>

### Human: How are Cigna's contracts structured to pivot away from spread contracts and rebates?
### Assistant: The structure of Cigna's contracts allows for a pivot away from spread contracts and rebates, but the transition would likely occur over time.


[INST] <<SYS>>
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<<\/SYS>>

### Human: What would be the near-term impact if the government passes pricing changes?
### Assistant: If the government passes pricing changes, the near-term impact on Cigna's contracts and profitability would depend on the specific nature of the changes.


[INST] <<SYS>>
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<<\/SYS>>

### Human: How does Cigna ensure transparency in their PBM operations?
### Assistant: Cigna ensures transparency in their pharmacy benefit management (PBM) operations by providing comments on the PBM and addressing concerns raised by analysts.


[INST] <<SYS>>
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<<\/SYS>>

### Human: How does Cigna manage overall cost and predictability for employers?
### Assistant: Cigna manages overall cost and predictability for employers by working to preserve choices for employers in how they finance their programs and manage costs.


[INST] <<SYS>>
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<<\/SYS>>

### Human: What flexibility does Cigna have to adapt rapidly?
### Assistant: Cigna has ample flexibility to flex rapidly and adapt to changing circumstances.


[INST] <<SYS>>
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<<\/SYS>>

### Human: How does Cigna use data to drive better clinical outcomes?
### Assistant: Cigna uses data to drive better clinical outcomes by leveraging data analytics and insights to inform decision-making and improve patient care.


[INST] <<SYS>>
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<<\/SYS>>

### Human: What resources does Cigna collaborate with to enhance value-based care?
### Assistant: Cigna collaborates with additional care extended resources, such as VillageMD, to enhance value-based care and improve outcomes.


[INST] <<SYS>>
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<<\/SYS>>

### Human: How does Cigna's value-based care approach contribute to lower medical cost trends?
### Assistant: Cigna's value-based care approach contributes to lower medical cost trends, resulting in market-leading lower medical costs.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What additional services does Cigna offer through Evernorth?
### Assistant: Through Evernorth, Cigna offers additional services such as specialty networks, which can benefit from collaboration with VillageMD.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: How does Cigna collaborate with VillageMD in curating specialty networks?
### Assistant: Cigna collaborates with VillageMD in curating specialty networks, among other initiatives, to enhance value-based care.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What is Cigna's growth trajectory in Medicare Advantage?
### Assistant: Cigna's growth trajectory in Medicare Advantage is positive, with a significant portion of their MA lives already in a value-based program.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: How does Cigna's bid strategy vary on a market-by-market basis?
### Assistant: Cigna's bid strategy for 2024 varies on a market-by-market basis, taking into account specific factors and conditions in each market.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What updates can be expected in the second half of the year regarding Cigna's bid strategies?
### Assistant: Updates on Cigna's bid strategies can be expected in the second half of the year as they progress through the bid cycle.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: How does Cigna's Village initiative contribute to their overall pricing strategy?
### Assistant: Cigna's Village initiative contributes to their overall pricing strategy by yielding benefits and contributing to pricing in specific markets where the initiatives are underway.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What is the significance of 340B for Cigna?
### Assistant: The significance of 340B for Cigna is that it represents an important series of capabilities for hospitals to benefit from more affordable pharmaceuticals for underserved populations.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: How has Cigna's outlook on 340B changed within their Express Scripts guidance?
### Assistant: Cigna's outlook on 340B within their Express Scripts guidance has changed in that they have seen some deceleration in volumes in the first half of 2022, but they expect volumes to increase in the second half as different data sharing and other activities move forward.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What is the impact of 340B on Cigna's earnings?
### Assistant: The impact of 340B on Cigna's earnings is factored into their plan for the year and their most recent updated outlook. They have included some dampening of the overall program's impact on their results.


[INST] <<SYS>>
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<<\/SYS>>

### Human: How has the deceleration in volumes affected Cigna's business?
### Assistant: The deceleration in volumes has affected Cigna's business by causing a temporary slowdown in their healthcare services. However, they expect volumes to increase in the second half of the year.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: How does Cigna manage the potential exposure from 340B?
### Assistant: Cigna manages the potential exposure from 340B by stating that some of the extrapolations based on the size of certain others' programs are overstated. They believe that the potential exposure is manageable within their portfolio and not a material driver of the overall Evernorth portfolio.


[INST] <<SYS>>
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<<\/SYS>>

### Human: Is 340B a material driver of Cigna's Evernorth portfolio?
### Assistant: 340B is not considered a material driver of Cigna's Evernorth portfolio.


[INST] <<SYS>>
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<<\/SYS>>

### Human: How does Cigna factor in the size of other programs in relation to 340B?
### Assistant: Cigna does not factor in the size of other programs in relation to 340B as they believe that some of the extrapolations based on the size of certain others' programs are overstated.


[INST] <<SYS>>
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<<\/SYS>>

### Human: How does legislation play a role in Cigna's response to the first question?
### Assistant: Legislation plays a role in Cigna's response to the first question by creating a theoretical scenario where immediate legislative action could impact the significance of 340B. However, Cigna does not believe that such immediate legislative action will transpire.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What contractual frameworks does Cigna have in place to address legislative or regulatory movement?
### Assistant: Cigna has contractual frameworks in place that take into consideration unanticipated immediate legislative or regulatory movement. However, they do not believe that such immediate movement will occur.


[INST] <<SYS>>
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<<\/SYS>>

### Human: How does Cigna advocate for its clients in relation to legislation?
### Assistant: Cigna advocates for its clients by continuing to work to ensure that choice exists and by having the tools and flexibility to deliver what a client wants from a choice standpoint with or without sharing.


[INST] <<SYS>>
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<<\/SYS>>

### Human: What tools and flexibility does Cigna have to deliver client choice with or without sharing?
### Assistant: Cigna has the tools and flexibility to deliver client choice with or without sharing through their ClearCareRx program.


[INST] <<SYS>>
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<<\/SYS>>

### Human: How does Cigna ensure sustained attractive margins for the value it creates?
### Assistant: Cigna ensures sustained attractive margins for the value it creates by being able to earn a sustained attractive margin for the value they create, even with their ClearCareRx program.


[INST] <<SYS>>
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<<\/SYS>>

### Human: How does the softening economy affect Cigna's enrollment levels?
### Assistant: The softening economy has not yet affected Cigna's enrollment levels, as they are still showing strong growth momentum across their healthcare portfolio.


[INST] <<SYS>>
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<<\/SYS>>

### Human: Can the range of elevated disenrollment in the second half be quantified?
### Assistant: The range of elevated disenrollment in the second half has not been quantified in the given text.


[INST] <<SYS>>
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<<\/SYS>>

### Human: How does the current economic situation compare to Cigna's previous expectations?
### Assistant: The current economic situation is not mentioned in the given text, so it is unclear how it compares to Cigna's previous expectations.


[INST] <<SYS>>
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<<\/SYS>>

### Human: What is the historical norm for disenrollment levels in Cigna's book?
### Assistant: The historical norm for disenrollment levels in Cigna's book is not specified in the given text.


[INST] <<SYS>>
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<<\/SYS>>

### Human: How does Cigna's strong growth momentum in the healthcare portfolio contribute to enrollment levels?
### Assistant: Cigna's strong growth momentum in the healthcare portfolio contributes to enrollment levels by showing strong year-to-date results and adding nearly a million customers across the Cigna Healthcare platform in 2022.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: How many customers did Cigna add to the healthcare platform in 2022?
### Assistant: Cigna added nearly a million customers to the healthcare platform in 2022.


[INST] <<SYS>>
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<<\/SYS>>

### Human: Are there any signs of economic pressure in Cigna's book?
### Assistant: There are no signs of economic pressure in Cigna's book, as disenrollment levels in the most recent months are very much in line with historical norms.


[INST] <<SYS>>
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<<\/SYS>>

### Human: How does Cigna anticipate elevated disenrollment in the back half of the year?
### Assistant: Cigna anticipates elevated disenrollment in the back half of the year by assuming some level of elevated disenrollment in their guidance in order to be prudent.


[INST] <<SYS>>
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<<\/SYS>>

### Human: What factors contribute to Cigna's prudence in assuming elevated disenrollment?
### Assistant: The factors that contribute to Cigna's prudence in assuming elevated disenrollment are not specified in the given text.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: How does Cigna typically handle disenrollment levels in relation to economic conditions?
### Assistant: Cigna typically handles disenrollment levels in relation to economic conditions by monitoring historical norms and assuming some level of elevated disenrollment in their guidance.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: How does Cigna's performance in 2022 compare to expectations?
### Assistant: Cigna's performance in 2022 is described as strong, with strong growth momentum across their healthcare portfolio and enrollment levels running ahead of expectations.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What are the results of Cigna's U.S. commercial Medicare Advantage and U.S. individual businesses?
### Assistant: The results of Cigna's U.S. commercial Medicare Advantage and U.S. individual businesses are not specified in the given text.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: How does Cigna's strong performance in 2022 impact enrollment levels?
### Assistant: Cigna's strong performance in 2022 contributes to increased enrollment levels, as they have added nearly a million customers across the Cigna Healthcare platform.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: What is the in-year attrition within the U.S. individual book for Cigna?
### Assistant: The in-year attrition within the U.S. individual book for Cigna is not mentioned in the given text.


[INST] <<SYS>>
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<<\/SYS>>

### Human: How does Cigna see organic growth in net client counts in the U.S. commercial business?
### Assistant: Cigna sees organic growth in net client counts in the U.S. commercial business, particularly as the select segment continues its sales cycle through the balance of the year.


[INST] <<SYS>>
Use the provided conversation to generate a relevant answer. If the new question is related to the prior context, use that information to provide a more detailed answer. If the new question is not related to prior context, provide a standalone answer.
<<\/SYS>>

### Human: Has Cigna incorporated any assumption of potential volume from Medicaid redetermination?
### Assistant: Cigna has not yet incorporated any assumption of potential volume from Medicaid redetermination.