Ms. Bilyana Savic

GLG News by Ms. Bilyana Savic, President

Creative Cost Containment for Healthcare Premiums

July 13, 2007

Analysis of:Insurer offers healthy bonus | www.denverpost.com

There are ways to control costs, reduce premiums and provide access to quality healthcare plans. Creativity in plan design and customization of plans are key areas insurers are exploring in order to meet the demands of current trends and to build and retain customer loyalty.

Commissions: To Take or Not To Take. The Debate Continues.....

July 13, 2007

Analysis of:Insurance brokers reconsider taking insurer commissions | www.marketwatch.com

The controversy of contingent commissions is not a new one. This debate has caused significant changes to our views of broker payments, disclosure, ethics, and loyalty. The central question started off as being one about disclosure. Theoretically, if the client is aware then there isn't an issue. If this article is any indication, the debate is far from over. Aon, Marsh, Willis Group and Arthur J. Gallagher have all dealt with repercussions from investigations. Even though full disclosure is now a standard business practice, the question still remains.

Healthcare: The New International Market

July 9, 2007

Analysis of:Borders are no barrier to affordable healthcare | www.latimes.com

There are two key considerations I think are very indicative of the changing times of American healthcare. First of all, the Consumer Driven Model emerging as the primary vehicle of healthcare insurance. And secondly, the effects on domestic medical costs should this trend continue.

Go eletronic or get left behind

July 9, 2007

Analysis of:"Hybrid" medical records an option for some hospitals | www.healthcareitnews.com

In an era of high speed information, it is unfortunate that our heatlhcare providers are lagging behind consumer demand. The transition from paper to eletronic is inevitable for all providers.

changing dynamics of health costs

May 29, 2007

Analysis of:Retail clinics: Accepting the inevitable | www.fiercehealthcare.com

There are a number of new trends emerging in the care and delivery of health needs. One of the most prominent is the rise of retail health clinics. For the first time, Primary Care Physicians, an area traditionally unchallenged is facing competition.

outsourcing - is it cost effective???

May 29, 2007

Analysis of:Insurance Outsourcing Focuses on India | www.insurancejournal.com

Insurers looking for cost cutting programs are interested in outsourcing operations and customer service functions. However, the success rate has been marginal. Outsourcing faces many challenges and will continue to do so until the Indian culture adapts its business models to ones compatible with our insurance practices.

Likelihood of repercussions for life insururers unknown

May 1, 2006

Analysis of:Bird-flu pandemic could hurt life insurers | www.insurancenewsnet.com

If the bird-flu virus mutates and begins spreading among humans, the concern is that life insurers would not be prepared for the volume of claims anticipated.

Rumblings of Healthcare Reform

April 28, 2006

Analysis of:FTCR: Insurance Cancellation Scandal Widens: WellPoint, Blue Cross & Blue Shield Sued For Illegal Denials of Health Coverage | www.insurancenewsnet.com

Charges of illegal claims denial and illegal coverage cancellations are surfacing in California. The target is currently Wellpoint even though the standards and practices involved are common industry wide and acccepted as appropriate procedures. The twenty three lawsuits filed to date suggest a potential to trigger a multi-state investigation into these practices.

HSAs are a shift of cost from employer to employee, not an increase in quality

April 28, 2006

Analysis of:As HSAs Grow, Leaders Debate Accounts' Effectiveness | www.insurancenewsnet.com

Since March of 2005, the number of consumers covered by Health Savings Accounts increased from 1 million to 3 million. Large firms have seen the largest increase. Businesses with 20,000+ employees increased from 12% with Consumer Driven Health Plans to 22% between 2004 and 2005. However, adjustments need to be made to the HSA approach to improve accessability and financial benefits for consumers.

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