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GLG News by Employee Benefits Consultants

Daniel Buckle, Principal

Daniel BucklePrincipalEmployee Benefit Resources of South Texas What is a GLG Leader?|GLG Leaders are a separate tier of Council Members with a Council Rank in the top 5%. These GLG Member Program participants are eligible for ongoing, in-depth consultative relationships with GLG clients.

PBM's Fail Employers with Mail

May 9, 2007

Comparison of Mail Order with community Pharmacy Cost | www.amcp.org


Mail did not produce higher generic utilization rates or lower costs for employers who hired a PBM to accomplish both.

Daniel Buckle, Principal

Daniel BucklePrincipalEmployee Benefit Resources of South Texas What is a GLG Leader?|GLG Leaders are a separate tier of Council Members with a Council Rank in the top 5%. These GLG Member Program participants are eligible for ongoing, in-depth consultative relationships with GLG clients.

Media Smells Blood at Big Pharma

April 2, 2007

Under The Influence | www.cbsnews.com

60 Minutes aired its story last night on the impact of The Pharmaceutical Lobby in writing and passing  Medicare Prescription Drug Plan.

Over the course of the upcoming Presidential campaign  the high cost of prescription drugs will become an issue and spill over into employer plans as well with implications for PBMS and Pharmaceutical Margins.

Daniel Buckle, Principal

Daniel BucklePrincipalEmployee Benefit Resources of South Texas What is a GLG Leader?|GLG Leaders are a separate tier of Council Members with a Council Rank in the top 5%. These GLG Member Program participants are eligible for ongoing, in-depth consultative relationships with GLG clients.

Hello Managed Care!

March 28, 2007

Employers Push Health Plans to integrate Onsite Health Centers With Care Management | www.aishealth.com

Edward Deming famous quote comes to mind as I read this mornings Industry Radar about employers pushing health insurers to either run or integrate with the on-site health centers they are either running or planning. hello Health Insurers--the choice is integrate or die. At what point will many of the large managed care carriers realize their large self-funded clients will be walking for vendors capable of fully integrating their services with the strategic direction their efforts to manage health & productivity are taking? Read on


Daniel Buckle, Principal

Daniel BucklePrincipalEmployee Benefit Resources of South Texas What is a GLG Leader?|GLG Leaders are a separate tier of Council Members with a Council Rank in the top 5%. These GLG Member Program participants are eligible for ongoing, in-depth consultative relationships with GLG clients.

Florida Legislators Research on PBM Business Model

March 28, 2007

Legislature Could consider Options to Address PBM Business Practices | www.oppaga.state.fl.us

The attention of state legislators to PBM business practices has implications for investors in the healthcare sector as well as the business models PBMS will use in the future.

Daniel Buckle, Principal

Daniel BucklePrincipalEmployee Benefit Resources of South Texas What is a GLG Leader?|GLG Leaders are a separate tier of Council Members with a Council Rank in the top 5%. These GLG Member Program participants are eligible for ongoing, in-depth consultative relationships with GLG clients.

The War on Drug Costs

March 28, 2007

Why Generics Do not Always mean Cheap | online.wsj.com

While the Wall Street Journal has done an admirable job exposing many of the ways PBMS have boosted profits at the expense of their customers they have not yet arrived at the flaws which make the current business models of PBMS susceptible to competition.

Daniel Buckle, Principal

Daniel BucklePrincipalEmployee Benefit Resources of South Texas What is a GLG Leader?|GLG Leaders are a separate tier of Council Members with a Council Rank in the top 5%. These GLG Member Program participants are eligible for ongoing, in-depth consultative relationships with GLG clients.

Outsourcing In Insurance

September 12, 2006

Insurance Outsourcing Focuses on India | www.insurancejournal.com

Insurance companies have been slow to outsource because management can be quite conservative when it comes to changing the status quo. Actuaries are not risk takers--they want sure things. Billing, Premium collection, IT support, web based enrollment, Policy issue and document management services all lend themselves to outsourcing. Initial forays into outsourcing by insurers seeking IT support were often resisted by inhouse IT departments with turf to defend and actuaries who wanted access to their data in real time. Compliance with 50 different state insurance  departments to satisfy was also a barrier to outsourcing.

Daniel Buckle, Principal

Daniel BucklePrincipalEmployee Benefit Resources of South Texas What is a GLG Leader?|GLG Leaders are a separate tier of Council Members with a Council Rank in the top 5%. These GLG Member Program participants are eligible for ongoing, in-depth consultative relationships with GLG clients.

Deja Vu All over Again

September 7, 2006

Willis given OK to take some insurer payments | www.businessinsurance.com

The short answer to your question is yes-- brokers are again headed down the slippery slope.

At issue is who is the brokers client and the extent to which full disclosure occurs?

Whom does the broker represent? Does anyone actually believe Willis calls on a company who thinks Willis works for the insurance companies they broker coverage through? I would argue the company who hires Willis ( or Marsh or AON ) believes their broker works for them alone.

Daniel Buckle, Principal

Daniel BucklePrincipalEmployee Benefit Resources of South Texas What is a GLG Leader?|GLG Leaders are a separate tier of Council Members with a Council Rank in the top 5%. These GLG Member Program participants are eligible for ongoing, in-depth consultative relationships with GLG clients.

The Truth About Universal Healthcare

September 7, 2006

Stethoscope Socialism | www.washtimes.com

 Not a day goes by without a call from a new interest group calling for Universal Healthcare in the U.S. media. At a time when US investors are making  healthcare  their top sector ( Barrons 9/4/2006 http://www.nytimes.com/reuters/business/business-stocks.html?_r=1&oref=slogin  )rarely do the advocates of universal healthcare consider the impact such a change could have on our economy as well as on our nation's families as the population ages. Should healthcare decisions in the US ever move from the realm of doctor-patient to government -citizen perhaps investors should consider the consequences on biotechnology as well as the political fallout of rationing care in a graying America.

Understanding the economic incentives of the US market based healthcare system and the positive contributions to the US economy and its citizens our healthcare system produces should be at the core of any debate on change and this article contains a valuable perspective.

Daniel Buckle, Principal

Daniel BucklePrincipalEmployee Benefit Resources of South Texas What is a GLG Leader?|GLG Leaders are a separate tier of Council Members with a Council Rank in the top 5%. These GLG Member Program participants are eligible for ongoing, in-depth consultative relationships with GLG clients.

The High Cost of Presenteeism Is Noticeable

September 1, 2006

The Lights are On, But Nobody's Home: Preventing Presenteeism | www.ceridian.com

According to a Cornell University study published in the Journal of Occupational and Environmental Medicine in 2004, presenteeism costs employers $2,000 per employee annually.

Presenteeism is defined as the measure of productivity lost due to an employee who shows up for work but is not fully engaged due to untreated personal health or work life imbalance.

Daniel Buckle, Principal

Daniel BucklePrincipalEmployee Benefit Resources of South Texas What is a GLG Leader?|GLG Leaders are a separate tier of Council Members with a Council Rank in the top 5%. These GLG Member Program participants are eligible for ongoing, in-depth consultative relationships with GLG clients.

Marsh after Spitzer

September 1, 2006

Investors join calls for Marsh break-up | www.thebusinessonline.com

From an employee benefits perspective, Marsh is today a shadow of its former self in my markets.

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