Elevance Health, Inc. (ELV) Q4 2025 Earnings Call

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WEBVTT 00:00:01.010 -- 00:00:04.453 Ladies and gentlemen, thank you for standing by and welcome to the Elevents Health fourth 00:00:04.453 -- 00:00:08.257 quarter earnings conference call. At this time, all participants are in a listen-only 00:00:08.257 -- 00:00:12.301 mode. Later, we will conduct a question and answer session where participants are encouraged 00:00:12.301 -- 00:00:16.725 to present a single question. If you wish to ask a question, please press star then one 00:00:16.725 -- 00:00:20.108 on your telephone keypad. You will hear a prompt that you have been queued. 00:00:20.108 -- 00:00:23.371 You may withdraw your question at any time by pressing star then two. 00:00:23.371 -- 00:00:26.874 These instructions will be repeated prior to the question and answer portion of this 00:00:26.874 -- 00:00:30.203 call. As a reminder, today's conference is being recorded. 00:00:30.203 -- 00:00:32.926 I would now like to turn the conference over to the company's management. 00:00:32.926 -- 00:00:35.209 Please go ahead. 00:00:35.209 -- 00:00:39.693 Good morning, and welcome to Elevance Health's fourth quarter 2025 earnings conference 00:00:39.693 -- 00:00:44.439 call. My name is Nathan Rich, Vice President of Investor Relations. 00:00:44.439 -- 00:00:49.544 With us on the earnings call are Gail Boudreau, President and CEO, Mark 00:00:49.544 -- 00:00:55.231 Kay, our CFO, Pete Hytian, President of Care Along, Morgan Kendrick, 00:00:55.231 -- 00:00:59.868 President of our Commercial Health Benefits business, and Felicia Norwood, president 00:00:59.868 -- 00:01:02.171 of our government health benefits business. 00:01:02.171 -- 00:01:06.376 Gail will begin the call with a discussion of our fourth quarter performance, our 2026 00:01:06.376 -- 00:01:10.702 guidance, and the ...