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And I know that's not the preponderance of the business, nor the focal point of growth, but that our excellent plan [Technical Difficulty] and expectations were out in the market. ET EHTH earnings call for the period ending September 30, 2021. eHealth, Inc. (NASDAQ: EHTH) Q4 2022 Earnings Call Transcript February 28, 2023 Operator: Good afternoon, everyone, and welcome to the eHealth, Inc. Conference Call to discuss the company's. Good afternoon, everyone, and welcome to eHealth Inc.'s conference call to discuss the company's second-quarter 2021 financial results. Your line is open. The single greatest medical breakthrough of all time? Thanks for the question. Finally, a quick update on our CFO succession plans. I think that's right. Can you talk about -- is there anything you can say particularly about the 2020 cohort that you signed up in the fourth quarter regarding churn? The decrease in total operating expense was driven by a decrease of 40% or $20 million in GAAP CC&E expense and a decrease of 29% and were $12.8 million in total GAAP marketing and advertising spend from Q3 of 2021. As a result, we're providing a new metric for 2021 net income attributable to common stockholders per diluted share to be in the range of $0.84 to $1.39 per share, reflecting an estimated $0.69 reduction in EPS due to the HIG investment. One moment please file for our next question. And in conversations with multiple of our carrier partners, they have expressed this desire to see improved quality metrics out of the entire broker channel. At this time, all participants have been placed in listen mode. Our next question will come from Daniel Grosslight of Citi. So, I just want to provide some perspective there that first and foremost, those in original Medicare gain a lot of protection by considering a Medicare Advantage alternative, even those with Medicare supplemental oftentimes because they're paying frequently a pretty high month with premium, and from a fixed income that can be challenging, particularly now with higher inflation. So we anticipate to have, in fact, positive tail revenue in our Medicare Advantage business. The Biden administration is now proposing a permanent expansion of exchange subsidies. eHealth, Inc. (NASDAQ:EHTH) Q4 2022 Earnings Call Transcript We each have slightly differentiated business models. We also have tail potential with some other Medicare products that we also monitor. Market-beating stocks from our award-winning analyst team. To a lesser extent, it was driven by ongoing shift away from the traditional channels and toward our online advertising channel, which carries higher per-enrollment marketing costs but lower customer care and enrollment costs. Can you just give us some guidance on how to think about that? The following slide deck was published by eHealth, Inc. in conjunction with their 2022 Q3 earnings . I'll start off and others can join in. If you have an ad-blocker enabled you may be blocked from proceeding. Losses, adjusted for one-time gains and costs, came to $1.17 per share. The ongoing trend toward increased popularity and penetration of Medicare Advantage plans is accompanied by broadening of planned selection, expansion of covered services. And are you going to increase investment in that platform, so folks can actually get subsidies through eHealth that are actually being redirected to a partner site? And we're not utilizing DIRECTV this year, so it doesn't impact us as much as it might impact others. And you can see that show up in the improved cash collections. Forward-looking statements are subject to risks and uncertainties that could cause actual results to differ materially from those projected in our forward-looking statements. eHealth, Inc. (NASDAQ:EHTH) Q4 2022 Earnings Call Transcript In addition to improving our profitability and cash flow profile this year, the cost reduction program underway will also allow us to enter 2023 on a much stronger foundation. In the past quarters, we made a number of investments to further augment enrollment options available to eHealth customers. And could you talk about the hiring environment more broadly? Phillip Morelock -- Chief Digital Officer. Hey good evening guys, and thanks for taking the questions. Second-quarter results reflect higher-than-expected growth in our Medicare enrollments, strength in the IFP business and a significant investment in our internal Medicare agent force ahead of the annual enrollment period. Weitere Informationen darber, wie wir Ihre personenbezogenen Daten nutzen, finden Sie in unserer Datenschutzerklrung und unserer Cookie-Richtlinie. Yes, that has remained certainly high, as we said last quarter as well. For a reconciliation of each non-GAAP financial measure to the most directly comparable GAAP financial measure, please refer to the information included in our press release and in our SEC filings, which you may access from the Investor Relations section of our website. And then I noticed a fairly significant increase on the technology and content expense in the quarter. Adjusted EBITDA loss was $33.1 million compared to a loss of $55.2 million in Q3 of 2021. So We're not competing against the entitlements that make it -- and for some service workers, for example, sort of on the margin of whether it's worth it to work or not. Since our last earnings call, we welcomed Cesar Soriano to our board of directors, where he will serve as a member of the compensation committee. Is that correct? SANTA CLARA, Calif. , May 9, 2023 /PRNewswire/ -- eHealth, Inc. (Nasdaq: EHTH) , a leading private online health insurance marketplace, today announced its financial results for the first quarter ended March 31, 2023 . Can you say the last part of your question again, please? Last year, stock-based comp was positively impacted by a $4.1 million credit due to a reversal of a prior stock grant to our former CEO, who departed a year ago. Well, I think that the major players here are gaining share and have critical mass and are scaling. I can go to some detail for that cohort. So nothing -- no concerns on the CMS side. OK. And that was actually my next question was, what's driving the expectation for the tail revenue growth in -- is it just Medicare? One moment for our next question. And I think what CMS has been concerned about are some of the commercials that have featured some celebrities that really is aimed debt beneficiaries who might be eligible for Part B rebate. So, we don't see exposure in those LTVs. This year-over-year step-up in conversion rates have continued through the first weeks of the AEP, where improvements to conversion are even more consequential given significantly larger number of incoming calls compared to the rest of the year. Frank, the most important moving piece was, we didn't want to increase the overall guidance. We've been on this journey of improving the quality of our enrollments for a year now with the launch of our retention initiatives last year. Based on our recent conversations with carriers, we expect that insurance companies will be increasingly evaluating broker performance on quality of their enrollments, including retention rates and customer satisfaction, in addition to volumes. Mr. Soriano is the chief executive officer of Confie Corporation, a leading national personal lines insurance distributor. I'm pleased to report that we successfully achieved our Medicare agent recruiting targets for the second quarter and are on track to meet the goal of our telesales capacity being made up of 90% full-time agents. Could you kind of square that up with us? More news: Analyst Recommendations on EHEALTH, INC. 03/08: Citigroup Adjusts Price Target on eHealth to $10 From $4.50, Maintains Neutral Rating: MT. OK. And then so what's implied in your -- the LTV assumption underlying that number? As a result, we are seeing renewed interest in this market from insurance carriers, as well as our strategic partners, such as pharmacies, healthcare networks, and other industry players, that want to help their patients take advantage of these new opportunities to access care. Forward-looking statements are subject to risks and uncertainties that could cause actual results to differ materially from those projected in our forward-looking statements. I'd like to remind you that these comments in our guidance are based on current indications for our business, current estimates, assumptions and judgments, which may change at any time. Yes, I mean, as you know, it's a very -- there's a lot of moving parts that sort of sum up to that churn number. Again, the key goal is to increase the overall demand conversion on all of our platforms, regardless of how the final submission is made. Just want to make sure, I understand those two things conceptually, right? Is there some temporary things that happened this year that will not repeat next year and maybe some things are made permanent? It is comprised of six statements covering everything from our offering of a wide range of high-quality plans to making customer satisfaction the top criteria behind our planned recommendations to providing expert guidance in a friendly, easy-to-use shopping and enrollment process, as well as always acting with the highest degree of ethics and integrity. OK. And then one last one here. I'd now like to open up the call for questions. I would now like to turn the conference back to Fran Soistman for closing remarks. There are other more specific in fact, individual partner level performance metrics that we saw in this quarter that we don't expect to persist going forward. That's right -- theythink these 10stocks are even better buys. We're just -- it's November 7th, and we got another 30 days less in the AEP. We continue to see longer persistency and now faster enrollment growth. On a year-to-date basis, for the nine months ended September 30, 2022, net cash used in operating activities was $8.3 million, which compares to cash use of $60.3 million for the first nine months of 2021, or an improvement of $52 million. As we conduct our search for a permanent CFO, John Pierantoni, our chief accounting officer and principal financial officer; and John Wang, vice president of finance are co-leading the finance function reporting to me. So it's just a different philosophy now. And so, that was the rationale for the tail revenue that you see this quarter. John Pierantoni -- Chief Accounting Officer and Principal Financial Officer. The impact of strong MA enrollment growth on our revenue was partially offset by a 4% decline in Medicare Advantage lifetime values in line with our expectations and negative residual or tail revenue in our Medicare business compared to the second quarter a year ago. So it is driven, I think, at large by the shift away from PDP, but there are some more specific factors that drove it to what it is in this quarter. The year-over-year decline in segment revenue and profitability is attributable mostly to lower tail revenue, in Q3 of this year, positive tail revenue in this segment was $1.8 million compared to $10 million in Q3 2021. Medicare segment loss was $23 million in the third quarter, compared to a loss of $52.9 million a year ago, reflecting the impact of our cost transformation program and increased conversion rates in our telesales organization. And then I guess my follow-up would be is, there's been a bunch of -- a little bit of concern at the margin, I guess, that that combined with the changes in the TV marketing ads is likely to drive down churn for this selling season, which I would assume is good for you guys, but could also slow market growth at the margin. And also invest in early marketing campaigns in preparation for the AEP. Sure. Total estimated Medicare membership was $905,000 or an increase of 3% compared to a year ago. The year-over-year increase in GAAP G&A costs is primarily related to higher stock-based compensation expense. Or is it specifically MA? It's really for beneficiary protection. And we are having success in some places and less in others. And we're still in the middle of the shift toward the internal workforce.

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