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  "documentTitle": "Clover Health | Investor Day Presentation Deck | 47 slides",
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  "authorName": "Clover Health",
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  "presentationDate": "2020-11-01 00:00:00",
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  "notes": "The chart uses a waterfall bridge format to explain the delta between 2019 MCR and projected 2023 MCR scenarios.",
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      "text": "(1) Theoretical maximum MCR impact from incremental Star rating. In practice, Clover will cede some margin back to members in the form of more obvious plan designs, consistent with our growth strategy.",
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      "text": "Margin expansion from 2019 to Q1 2020 largely driven by increasing use of CA. Further CA coverage expansion and product enhancements are expected to drive additional margin improvement through 2023. Initiatives to improve provider contracting are expected to drive additional margin improvement.",
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