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Cautionary Statement This presentation includes forward - looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. When used in investor presentations , press releases , Securities and Exchange Commission ( SEC ) filings , and in oral statements made by or with the approval of one of our executive officers , the words or phrases like " expects , " " anticipates , " " believes , " " intends , " " likely will result , " " estimates , " " projects " or variations of such words and similar expressions are intended to identify such forward - looking statements . These forward - looking statements are not guarantees of future performance and are subject to risks , uncertainties , and assumptions , including , among other things , information set forth in the " Risk Factors " section of our SEC filings , as listed below . In making these statements , Humana is not undertaking to address or update these statements in future filings or communications regarding its business or results . In light of these risks , uncertainties and assumptions , the forward - looking events discussed herein might not occur . There also may be other risks that we are unable to predict at this time . Any of these risks and uncertainties may cause actual results to differ materially from the results discussed in the forward - looking statements . Humana advises investors to read the following documents as filed by the company with the SEC : Form 10 - K for the year ended December 31 , 2019 ; Form 10 - Q for the quarter ended March 31 , 2020 , June 30 , 2020 , September 30 , 2020 ; and Form 8 - Ks filed during 2020 and 2021 . Investors are also advised to read Humana's 4Q20 earnings press release dated February 3 , 2021 which is available via the Investor Relations page of Humana's website , humana.com . 1