34 pages. "[I]ndividuals with COVID-19 diagnoses saw morbidity and cost increases well in excess of standard medical cost trends once the direct effects of COVID-19 were removed and beyond the recovery period.... Based on the data examined, and the assumptions of reasonable measuring period endpoints, overall claims for members with a COVID-19 diagnosis remained at least 20% higher than before the month of diagnosis, even for periods greater than six months after the diagnosis."  MORE >>