Hey, looking for interns for an already-registered incorporation. Looking for proficiency in C#, Python, C++ but most important is a willing to work hard and put in effort.
We are under a bit of a time crunch but we have our first client lined up and see only growth on the horizon.

Hi everyone - I have 2 vip tickets for the show tomorrow in San Diego. My father is dying in hospice and I cannot leave him for the show, as much as I would love to go for the wonderful laughs! Is there anyone out there I can pay it forward to? Don’t want the tix to go to waste and don’t have the capacity to deal with reselling on StubHub.

Hello po!
Planning to get my braces this week pero parang ang hirap po makahanap ng clinic na may positive result sa mga services nila. May mga napapanood ako vids na kahit ilang years na braces nila, eh walang nagbago since hindi talaga licensed yung dentist with regards sa braces.
May mga alam po ba kayo na clinic around Q.C or Caloocan na trusted na?
Ano rin po advice nyo sa mga balak magpagawa? Needed kasi talaga, hindi for aesthetic.
Thank you!

I’m planning to buy a MacBook Air m2 and my profession is more on interior modeling. Do you think this device is capable for softwares like the sketchup pro and enscape of even vray?

TL;DR — Should I Pull?

New Players

Neither of these banners are better for a new player than Matriarch/Roc or Liz/Jo. I recommend new players skip these. If you already have Matriarch and Liz but you didn't get Jo whilst pulling for Liz, then pulling for Gustave and Kat might be a good use of jewels, but I think I still recommend waiting a week to see what's next before investing in that.

Veterans

Is... is that an average of two party heals per turn on Kat? 👀
Sorry! Sorry. I just got distracted by pink samurai healer girl. (Man, that checks so many boxes for me. 😆)
Probably the most noteworthy unit here is Goddess. Being able to shut down all shadow damage the enemies deal for 15 turns is basically a cheat code for certain content. Orlouge is pretty whatever for veterans, but Monika has some support things she can do and she bulks up to very defensive numbers so while she doesn't dispense Polka-levels of party heals or Matriarch-levels of stat buffs, she's an excellent supplement to either of those who doesn't require special attention to keep in the fight.
On the other hand, we have Kat and Gustave. Kat can reduce Skill damage to the party in the same way that Tsubaki and Gustave can reduce Spell damage, and that's not a small thing. Gustave, meanwhile, can dispense damage boosts and damage mitigation to the party while also acting as a BP support. So there's unique stuff on this banner, too.
Broadly speaking, I think I would recommend a skip if you aren't flush with jewels. Goddess is good, no question, but she's not really worth chasing on her own merits, and Monika's good but she's not great unless you have her previous bow style to inherit that S3 onto. If you have a good amount of jewels to spend but you don't feel like you can do pulls on both banners, then it depends on who you have inherits for. I can recommend Kat/Gustave's banner if you have the previous Spellbreaker Gustave style. I can recommend Goddess's banner if you have the previous Music Fest Goddess style and the previous Kids' week Monika style.
If you have all three of those styles and you can't afford to pull on both banners... I'm sorry. I would probably lean towards Goddess's banner just because damage immunity is so strong when it works.

Samurai Jack Kat — Romancing Festival Limited Banner

Katarina

Unit Summary

Kat can reduce skill damage to the party and heal them at the same time. And then she will heal them some more.

Unit Analysis

Well, it's not Pierce/Cold switch, but it'll do.
So the main deal here is Ice Fog Sword Ballet, which deals B-rank pierce and cold damage and then grants the whole party a defensive stance that reduces skill damage taken by 35% for 3 turns. Skill damage reduction is arguably not as important as the spell damage reduction that Tsubaki and Gustave can bring to bear, but there's undeniably a lot of skill damage out there for bosses to dish out, and Kat is the only source of this particular buff. Because of her Abundance Switch, she gains +2 BP and heals the entire party for a tiny amount when she does this. So even though it's a 10 BP skill, she can rotate it with her normal attack or her S1 quite easily and still dish out some heals for the party.
In fact, if she happens to hit a weakness, she gets +1 BP from that, so it's actually not implausible to be able to use her S2 a bit during her S3 rotation with her normal attacks if the enemy is pierce weak.
Why would you want to do that? Well, her S2 (Ice Impact) is a 7 BP C-rank AoE that deals pierce and cold damage, so it triggers that +2 BP and party-wide heal. Oh, and it has a 50/50 chance to hit twice, so it can actually deal decent amounts of damage for the BP cost. Oh, and it heals the party on each hit. So if Ice Impact gets 2 hits, she heals the party three times that turn.
Now, Kat's mitigation is contingent on being able to resist the enemy's attacks, so depending on the enemy in question she may be competing for equipment that you can't spare for her, which is unfortunate. And her damage output is mediocre compared to the likes of Goddess who's spamming a similar power skill as Kat but with significantly better damage boosts. But she still compares favorably to a lot of other styles that bring damage mitigation and/or healing for the party if you assume all of her stuff works. She's just a bit more conditional than a style like Final Empress or Macha.

Inherits

Kat has a lot of styles, but since this style relies so heavily on dealing either pierce damage or cold damage, not many of them have skills that are worth inheriting.
The only one I'm going to point out here is Glacial Sword, available on a couple of styles but most notably on Kat's second plat SS style (SS [The Real Reason] style), as that one is available from the Training Cave Ore exchange. Glacial Sword is 2 BP and deals cold damage, so it can trigger the party-wide heal and still net some BP recovery for the turn. It doesn't trigger the +2 BP from pierce damage, so it's either +1 BP for the turn if it doesn't hit a weakness or +2 if it does hit a weakness, which makes it a little weak as an option to rotate with Ice Fog Sword Ballet, but it's definitely useful to have the party heal on demand in the event that you need healing the turn after using the skill defense stance.
Or if you'd prefer, you can actually just spam Ice Impact and Glacial Sword to deal decentish damage and churn out a lot of party heals. Kat averages about two heals per turn this way if Glacial Sword hits a weakness, and with Glacial Sword amplified you're dealing at least C-rank damage every turn, which does actually help a bit as people who've been using Esper Girl can attest. This healing isn't quite as good as Thyme can manage with support from Emelia or as good as Chef Polka can accomplish with the Still Blade Phoenix inherit, but it is the strongest party-heal setup that guaratnees at least some healing every turn, which may be appealing in some content.

Gustave

Unit Summary

Attack boosts and defense boosts galore.

Unit Analysis

Where to start?
Well, first thing's first: bringing Gustave grants everyone in the party a 15% damage boost. Just for being on Gustave's team and not being KO'd. Well, OK, actually no one can be KO'd if you want the damage boost, but generally speaking you don't want your units just eating dirt anyway, so that's not a huge restriction.
His Let's Paint skill then grants the party a small Attack Boost and small Defense Boost for 4 turns. Let's Paint is 8 BP and Gustave gets 4 BP back every turn, so it's trivial to keep those boosts up. But wait! There's more! Let's Paint is a charge skill, locking Gustave into doing nothing the next turn and then using Pigeon Whistle the turn after that. Pigeon Whistle grants Gustave +2 BP and then grants the whole party a very large Morale Up and a medium Guard Up for 2 turns. Obviously you can't sustain that (because the Let's Paint cycle spends two turns waiting to get back to Pigeon Whistle), but they'll stack with those 4 turn boosts, giving the party pretty substantial boosts for 2 turns out of every 3 if you want to spam this cycle.
If you would prefer to spend that bonus BP, Gustave has Fighter Special, a 12 BP SSS attack (it's actually high on the SSS-scale, so it's not actually decent damage for 12 BP) which gratns Gus a very large Guard Up for 5 turns. With High Protect Tension, that Guard Up actually makes Gus pretty dang tough for a while. Or Gus has inherits. See below.
And if you want, there's also Sunder, an A-rank attack for 3 BP. This isn't the absolute strongest attack in the game that is also BP-positive, mostly because Gustave's damage boosts are not that great unless you're still inside the Paint cycle, but it's way up there.

Inherits

The most interesting thing you can do with this Gus inherit-wise is actually to inherit Let's Paint to a different style. [The Fated Hour Comes] Gustave trades Offensive Union for Scrum Guard, which is 20% damage mitigation instead of 15% damage boosts. Both shut off if someone gets KO'd, but it's not that hard to argue that the 20% damage mitigation is a bigger deal than the 15% damage boost. Scrum Guard Gus needs to land hits to gain +1 BP/turn, unlike Ocarina of Steel, but the +2 BP per activation of Pigeon Whistle can help offset that. So while you may end up spending nearly all of your time making sure that whistle cycle is up, it's a lot of party mitigation while it's up.
If you're set on keeping ArtsAndCrafstave in play, you can inherit Triple Crush from UDX Gustave 2.0. Triple Crush is Double Crush but Triple. It's 3 A hits for 13 BP, so it is an excellent BP dump.
Or if you would prefer to lean into Gus's damage boosting capabilities, you can inherit Brave Impact from Gusv7, which is 12 BP for an SSS attack that, instead of granting himself a Guard Up, grants bonus G. Sword damage to the party. G. Sword styles are not the heaviest damage dealers in the game, but it's certainly an interesting thought to try to turn a team of G. Sword attackers like Laura, Fancy Lass, Iskandar, and Gutave into a damage-boost steamroller.

Noel

Unit Summary

All-in slash farmer.

Unit Analysis

Noel gets a lot of damage bonuses on turn 1. Like, Souji levels of damage bonus. If you use Maple Storm, he actually peaks higher than that on turn 1. He deals recoil damage to himself, and all his BP generation is concentrated into the first 5 turns of battle, so you probably don't want to bring him to boss battles, but in short battles he truly brings the thunder, with Maple Storm dropping a train on a single enemy or Burst Blade being a strong [Fast] AoE for a kinda-spammable attack.
Where Noel falls short is that on turn 2, he loses 30% of his damage boost, and in fact takes a damage mitigation penalty, taking and extra 15% damage on even turns. Which is really, really weird for a character who has 8 BP attacks and generates enough bonus BP to use those 8 BP attacks on turns 1 and 2 back to back. You would think you would want him to burn out quickly rather than bounce back and forth between strong and weak turns. But, hey, it is what it is.

Inherits

Christmas Noel has a strong row attack in Twilight Flash, which you can utilize with his early game BP generation and odd-turns peaks to get a strong row attack on turns 1 and 3. It's [Fast], so it actually contends with Gray's charge attack for 1/3 row farming. His skill has a somewhat lower power than Gray's, but he gets much higher damage modifiers on the odd turns, so the damage is likely pretty comparable between the two for most situations.

The Most Powerful SaGa Beings... and Orlouge — Romancing Festival Limited Banner

(I kid. Obviously Monika transcends SaGa and is the most powerful being in the universe. Why else would she have gotten all the buffs on this banner?)

Goddess

Unit Summary

Trivializes content that deals significant shadow damage. And looks good doing it.

Unit Analysis

Light of Dawn is the main attraction here. The Goddess's Light costs 9 BP/1 LP and grants the party complete immunity to shadow damage for the next three turns, granting them a smol heal at the end of each of those turns to boot. Goddess gains +1 BP/turn, so it is trivial to maintain that buff until she is out of LP 15 turns later. Now, sure, once she's out of LP, she's not going to be doing nearly as much for the party, but fifteen turns of every-turn healing and negating a good chunk (if not all) of the enemy's damage is way more than you need when you're fighting any enemy that isn't named "Egg."
While she's building her BP back up for the Light, you will probably be spamming Burning Star, a 1 BP INT-based skill that deals C-rank sun/heat damage. It's only C-rank damage, sure, but it's BP-positive, and with Goddess's 70% passive damage boosts and stacking medium INT buff every turn, it's actually going to be dealing a solid amount of damage for a support unit.

Inherits

The big one is Heavenly Melody. From her Music Festival style, Melody is 10 BP, so it really does compete BP-for-BP with Light of Dawn, but it's also doing a lot so there may be situations where you may want to intersperse this with the Light. Its damage is just B-rank sun AoE, but it inflicts a small Morale Down on all the enemies it hits for 3 turns and it grants the party a small Guard Up for 3 turns regardless of whether it hits. So while it won't fully stack with the likes of Gustave's Pigeon Whistle or Aisha's Earth Thrust , it does a lot of work to reduce incoming damage for 3 turns if you haven't brought other Morale Down or Guard Up units.
Masamune+ from her original SS style is a B-rank slash/heat INT-based attack for 4 BP, which Goddess can spam forever for slightly better damage than Burning Star. You'd really only do this once you're out of LP, but it does improve her damage output once that has happened.
Alternately, if you'd rather keep using Burning Star and drop nukes once you've built up BP, her OG style also has Purging Light, which is SSS sun/heat damage for 10 BP. It's a little low on the SSS scale, but, again, it does improve her damage output once she's out of LP as opposed to just spamming Burning Star.

Orlouge

Unit Summary

Everything bagel ailment jammer.

Unit Analysis

I don't have a ton here to say. Drop from the Depths is a 10 BP AoE spell that just throws the whole kitchen sink of ailments at the enemy. Poison, sleep, paralysis, confusion, and charm, all at once. The way ailments work in this game, you will never see more than two of those on a single enemy at once, and one of them will always be poison if there are two, but it can be... convenient that this one style does all of them in a single spell.
When he's not overcoming his analysis paralysis by "¿porque no los dos?"ing it, he rotates between Shadow Drop, a 0 BP shadow AoE spell, and Rose Petals, an 8 BP spell that deals SS shadow damage and grants him 1 stack of Damage Block. Unlike most characters with Damage Block, it is actually significant that this stack of Damage Block does not have a turn limit because Orlouge can randomly evade all attacks in a turn, which would preserve the Damage Block stack for a later turn. This is doubly important because Orlouge gets +3 bonus BP any turn where he doesn't take damage, so if he gets an evade turn, layers a stack of Damage Block on himself, and manages to get off another Rose Petals next turn, he's got a pretty good chance of also not taking any damage that turn for even more bonus BP.
It... it's fragile, but when it works, it does do cool things.

Inherits

Well, if you just must have all the status ailments, Orlouge 2.0 has a single target Petrify (Mistress' Ice Prison) or AoE Stun (Purple Flames) you can inherit. Or he has Absorb from that style for a spammable small self-heal. (Remember, "small" self-heal actually means like 900+ HP at current stat values.)

Monika

Unit Summary

DEX buffehealeBow damage enabler.

Unit Analysis

Monika is trying to do a lot, here.
Firstly, she grants all Bow wielders a 15% damage bonus just for bringing a Bow to a S. Sword fight.
Secondly, she heats up to 80% damage bonus over the first 5 turns of battle. So she's trying to bring the damage. And actually, every single skill she has will buff at the very least her DEX. Whether it's the 0 BP DEX buff attack on Focus Fire, the party-wide DEX buff for 5 BP in Dancing Arrows, or the combination DEX buff/heal on Arrow Bloom, she's going to have her DEX buffed. So she actually does deal pretty serious damage once she's heated up.
Oh, did I mention that the heal on Arrow Bloom is "small" rank? So it's 1k like Still Blade Phoenix, not 200 like Kat's little heals.
Now, that's good because it's a 13 BP skill. Which, honestly, it needs to be because it's a party DEX buff, a small heal, and it's an SSSS attack. But Monika gets +2 BP when she hits a weakness, so she can actually rotate that at not-painfully-slow rates if the enmy is pierce weak.
She's juggling a lot of stuff, is what I'm trying to say. And she kind of can actually get all of it done.

Inherits

Back-inheriting Arrow Bloom to her baby style can potentially let her unleash the giant attac-plus-heal more frequently because that style can gain +3 BP when she gets hit. It's only a 25% chance per hit, but if the enemy is dishing out a lot of weak attacks, it can wind up being a lot of BP recovery over a long battle.
Back-inheriting Arrow Bloom to one of her S. Sword styles can also be useful for Remembrance battle purposes. Just as a thought.
Oh, wait, inherits this style wants? Oh. Uh, interesting. Maybe?
Gift Prick from the style that was on Liam's banner is a 2 BP attack with a small-rank self heal. Using that hurts the damage output of this style (misses a DEX buff) and makes BP cycling Dancing Arrow or Arrow Bloom harder (costs 2 BP instead of 0 BP), but it goes a long way to making this style harder to KO.
Present of Pleasure from... also that style... is a party CHA buff, Morale Up, tiny heal, and +1 BP recovery. It costs 7 BP/1 LP, so it's a very limited use skill, but the BP support angle of it can be useful for a style you are already bringing for DEX/heal support.
Pure Flower from the kiddo style is a 3 BP/1 LP heal with a little attack boost on heal. Nothing huge, but handy to have.
And that's kind of it. Monika has a ton of styles that you could inherit stuff from, but the fact that most of them are S. Sword skills means that they miss out on part of Monika's innate damage bonuses, and many of them will rotate awkwardly with the +2 BP/turn in the first place, making Arrow Bloom look better in comparison.

In the ever-evolving world of cryptocurrencies, PATEX has emerged as a groundbreaking platform that is reshaping the crypto industry in Latin America. With its comprehensive range of solutions and a vision to foster growth, innovation, and education, PATEX is on a mission to become the go-to ecosystem for crypto enthusiasts and businesses alike.
A Versatile Ecosystem: PATEX is more than just an exchange; it has evolved into a full-fledged ecosystem. At its core lies the PATEX Blockchain, a Layer-2 ETH blockchain-powered network. This innovative infrastructure accelerates scaling, fosters innovation, and positions PATEX as the largest Layer-2 network in Latin America. By providing faster and more efficient transactions, PATEX aims to revolutionize the way digital assets are exchanged.
Additionally, PATEX offers C-Patex, a crypto exchange that supports Central Bank Digital Currencies (CBDCs). This integration with CBDCs showcases PATEX's commitment to staying in tune with regulatory developments in the Latin American cryptocurrency landscape. It provides users with an extra tool for trading CBDCs and other cryptocurrencies, facilitating seamless transactions and expanding opportunities in the market.
Education and Empowerment: PATEX recognizes the importance of education in fostering growth and adoption of cryptocurrencies. Through Patex Campus, a dedicated educational platform, users can access courses tailored to their needs. Whether you're a crypto newcomer seeking crypto literacy or a professional looking for career guidance in the blockchain industry, Patex Campus has resources to support your journey. By empowering individuals with knowledge and skills, PATEX aims to create a more informed and proficient crypto community.
The Role of $PATEX Token: At the heart of the PATEX ecosystem lies the $PATEX token, which serves as the core and main service token. With a unique utility, the $PATEX token facilitates seamless interaction between different ecosystem products. From accessing network gas and node collateral to availing discounts on C-Patex and CBDC minting fees, the $PATEX token enhances user experience and incentivizes participation within the ecosystem.
https://c-patex.com/

Timestamp: https://imgur.com/a/0nls337
DT 1990 Pro (330 USD)
- Comes with Fog city cable + Coiled cable / Dekoni Elite Velour + Dekoni Elite Fenestrated Sheepskins
- Looking for 330 USD
- Comes in original box
HD 6XX (80 USD)
- Clamp is lighter than average (I bent the headband a little because I did not enjoy the clamp)
- Looking for 80 USD
Audeze Mobius (100 USD)
- Comes with USB C cable and Mic
- Looking for 100 USD

To preface, this is my first diablo game and I’m sure there are many nuances to the systems i am unfamiliar with. If this is something that i have just not picked up on in my first 10 hours of the game, don’t roast me too hard.
After dungeon diving and whatnot for a bit i tp’ed back to the hub city to visit the occultist and move around the aspects of legendaries i had picked up. I can’t have removed and re-applied more than 4 or 5 aspects and I went from over 120m gp to about 50k at what seemed like a blistering pace of about 5-10 minutes.
Is this normal or is there some sort of bug with the occultist charging hidden fees? I’m not too worried about the gold as so far in my limited experience it’s almost a freely flowing resource so long as you’re exploring outside the main questline.
Any explanation would be appreciated. 100% willing to accept the idea that i simply became too overzealous in my spending, but again 5-10 minutes to spend over a million gp seems a bit odd to me.

I am looking for an easy way for changing it. All the methods I've tried don't work.

Hello fellow Apes,
I am supposed to be playing D4 with my kids but instead I am writing this post for you. It's ok. I'm having fun because I'm actually into talking about this shit. Anyway, I was inspired to write an explanation regarding other companies used of AI based on u/Sandro316 's reply from this post I made earlier https://www.reddit.com/CLOV/comments/144na72/the_reasons_why_big_names_are_linked_with_this/. I'm posting it here to we can highlight this topic, and the information doesn't get lost in the comments section.
The purpose of this post is to explain in laymen terms what these companies are doing in AI from the perspective of a healthcare administrator. A little bit about my background. I started out in healthcare research and did my fellowship at NIH. I have 13+ years of experience working at director and c level positions in healthcare and social services. I'm also a big computer geek, and I current have my staff working on an AI system so I can train staff faster and equip them with the skills to help clients/consumers/patients navigate the complex healthcare and social service systems that we have in California. With that said, let get started.
As a side note, I will make another post regarding the patents CLOV has which pertain to how its AI's is and will be functioning in the future.
Humana for example is mainly focused on improving the customer experience and streamlining administrative tasks
https://www.forbes.com/sites/neiledwards/2020/03/02/why-doesnt-your-healthcare-insurer-use-ai-like-humana-does/?sh=f6faed5608ea
This article is using a lot of big words to explain to you that they trying to build a system that mimic Kaiser and a automated call bot that will hopefully answer all of your questions. Here is a same quote
" Call Center Experience
Humana members call for many reasons: understanding a claim status, inquiring about benefits eligibility, placing orders for new or re-filled prescriptions or appealing a medical coverage decision.
The answers to these questions are stored in different information systems. The company uses artificial intelligence and intelligent automation to help bridge gaps between systems. The aim is a better call experience. "
This is just a small reduction of the current problem regarding claim processing. They are not giving providers a better tool to process claims faster and more accurately. They are just improving their call bot.
The rest of the stuff that was wrote in the article are just Humana trying to copy Kaiser's current system. IF you have Kaiser and appreciate how fast and seamless they make some process such as drug refill, you should get a rough idea of what Humana's AI is trying to achieve.
"United is a little closer to Clover with their optum subsidiary but it is mainly focused on improving patient outcomes by getting them care faster and with the right physician for their case."
https://emerj.com/ai-sector-overviews/artificial-intelligence-at-united-health/

• An AI-enhanced virtual assistant platform to collect patient data and offer customized solutions: UnitedHealth Group’s virtual assistance platform uses conversational AI and enhanced agents that reroute calls to sufficient internal resources, collect and classify patient information, and offer services that bring down costs and improve patient service experiences.

This is exactly what you think it is. They are creating an AI to hopefully understand patients and providers communication better so that they can route them to the appropriate people to process the claim. The reason why United is doing this way go back to the comments I made in my previous posts. They are a very old healthcare company that has a lot of money. However, because their system is so old and deeply rooted in their money making process, it is hard for them to build something like CA which can process treatment, make recommendation, and process the claim--"giving providers more time to treat patients instead of doing paperwork." Want to know what happen when a provider fuck up on their claim? They delay your treatment until the claim is approved by the insurance. This is what United System is trying to reduce with AI.
​

• Developing a centralized data platform to improve patient outcomes: UnitedHealth Group’s resident tech-focused subsidiary, Optum, develops a platform that uses data analytics, NLP, machine and deep learning models to improve patient outcomes by predicting conditions and decreasing the cost of care.

This second part of their AI is exactly what CA is currently doing. While Optum and United are in development of a system that they still have to figure out how to integrate into their legacy system without causing catastrophic errors--CA is being used and has proven to improve healthcare outcomes and reduce cost (MCR). As a side note, if you think integrating, migrating, or switching to a new system is easy, just take a look at the shit show that is redetermination for Medi-caid that is currently going on. So many people are being dropped from Medi-caid and they don't even know it.
As for the rest of the article and the fancy words they used, it's fucking Kaiser. I'm sorry that I get annoyed, but whenever I read an article that used fancy words to trick laymen people, I get mad. I advocate for the people with 9th grade literacy, and this kind of shit are just describing Kaiser's system which is the current king of primary care if you haven't heard about it. Their system is used at the role model at so many meetings, it's not even funny. They have amazing coordinated care because they are the insurance and provider.
Anyway, next article..
"Oscar is again trying to improve outcomes by routing members to the correct place. Then also improve efficiency."
https://www.hioscar.com/deepdive/oscar-strategy
The AI being deploy here is to reduce the amount of fraudulent claims basically medical misuses. I'm actually very knowledgeable about Oscar, and they not investing in AI as much as they should. They are just improving their current system to detect bad claims and speed up the processing time.
In summary, CLOV's current competitors are trying to build AI on top of their current medical billing systems/platforms. Consequently, due to the limitation of those systems/platforms, they are not able to innovate as much as CA. By the end of the day, their system is still heavily reliant on a human being on insurance side to process the claim and another human being on the provider side to file the claim correctly.
This is very different than providing providers with the tools to
1) process claims
2) make recommendation on what claims (treatment) should be used based on the data from previous patients.
The big problem with health insurance companies now a day is they are so out of touch with the amount of time a provider need to invest into their staff to understand each company's process to file claims, reconciliation, out of network referral, and etc so they keep finding ways to make it easier for their staff while introducing a bunch of new rules and procedures that are not helping providers. Providers cannot provide services without authorization. Authorization should not require a fucking manual for every god damn insurance company. Ever wonder why you have to check whether your provider accept your insurance? What you are really checking is whether or not they are vendorized or are on the panel to bill the insurance company. Low payout and complicated procedures for processing claim and vendorization are barriers to care.
The only company that even come close to CLOV is United and they are still in development. CLOV's AI is live with multiple patents. https://www.reddit.com/CLOV/comments/144pi0m/clover_health_54_patents_from_2018_to_2023/
The best analogy I can give here to compare Tesla (pre-big-ass company) to GM during the EV1 era. GM made the first electric car and was much bigger than Tesla. Tesla was testing out it's battery powered roadster. However, Tesla had years to test out building their car, battery, and production line.
While CLOV is working on testing and proving the profitability of its AI, other companies are just in the process of developing them. Some of them aren't working on it at all.
Before I forgot, all of the healthcare company mentioned above are basically trying to reduce their turnaround time for when a claim is submitted for both new and prior authorization.