Dirk McMahon | Chief Operating Officer for UnitedHealth Group |
John Rex | Chief Financial Officer |
Matt Borsch | BMO Capital Markets |
Josh Raskin | Nephron Research |
Ralph Giacobbe | Citi |
Dave Windley | Jefferies |
Kevin Fischbeck | Bank of America |
Justin Lake | Wolfe Research |
Lance Wilkes | Bernstein |
Scott Fidel | Stephens |
Ricky Goldwasser | Morgan Stanley |
Kevin Caliendo | UBS |
AJ Rice | Credit Suisse |
Lisa Gill | JPMorgan |
Steven Valiquette | Barclays |
Stephen Baxter | Wells Fargo |
Please standby, we're about to begin. Good morning, everyone, and welcome to the UnitedHealth Group Third Quarter 2021 Earnings Conference Call. A question-and-answer session will follow UnitedHealth Group's prepared remarks.
As a reminder, this call is being recorded.
Here are some important introductory information.