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GLG News by Employee Benefits Experts

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Frederic GoldsteinMarch 31, 2008
Police Department Focuses on Getting Officers to Lose Weight
Analysis of: In Deep-Dish Pizza Land, a Thinner Blue Line | www.nytimes.com
Author: Frederic Goldstein, President and Chief Operating Officer, U.S. Preventive Medicine, Inc.
Naturally Police Departments are concerned about the weight of their officers, given the physical nature of the work for those on the beat, but this issue is beginning to be raised in the general employer arena.  For employers to be successful with this type of approach, they need to go beyond...
March 26, 2008
The ore is hot. ..now strike.
Analysis of: US property insurance 2008 rates seen flat to soft | www.reuters.com
Author: GLG Expert Contributor
In this soft-market, Insurance profit centers must add as many new clients as is possible, but must adhere to strong fiscal discipline at the same time.
March 25, 2008
Major Insurers Cant Keep Raising Prices with Employers Baulking
Analysis of: Health insurers take a dive on WellPoint's warning | www.marketwatch.com
Author: GLG Expert Contributor
    Ongoing healthcare inflation at 200-400%/yr of  CPI has surpassed the point where employers can easily compete with international products and services.  We are already seeing growth in Scheduled Medical Benefits, which are a poor substitute - but do substitute for...
March 24, 2008
More regulation of insurance.
Analysis of: New ‘Bermuda Triangle’ Emerging, | www.propertyandcasualtyinsurancenews.com
Author: GLG Expert Contributor
Compliance proceedures resulting from overwhelming government regulation of the insurance industry has produced an expense at agency level greater than that of policy acquisition.
March 24, 2008
Using An Applicant's Credit As A Rating Factor For Insurance
Analysis of: New ‘Bermuda Triangle’ Emerging, | www.propertyandcasualtyinsurancenews.com
Author: GLG Expert Contributor
The rates and availability of insurance policies are issues difficult enough. "Credit scoring"adds to the difficulty.  
Frederic GoldsteinMarch 13, 2008
WellPoint Disappoints, Cites Increased Medical Costs as One Reason
Analysis of: Health insurers take a dive on WellPoint's warning | www.marketwatch.com
Author: Frederic Goldstein, President and Chief Operating Officer, U.S. Preventive Medicine, Inc.
Health Plans are going to have to radically change their systems and approaches if they expect to improve their success in the long run.  The system as currently structured dis-incents Health Plans from doing the right thing, actually managing health.  This requires a long term commitment...
March 7, 2008
Marsh, Aon, Willis, Gallagher, Acordia, Zurich, Ace and all big brokerage houses hard pressed to beat earnings
Analysis of: MMC Sees 4Q Net Income Drop 62% | www.propertyandcasualtyinsurancenews.com
Author: GLG Expert Contributor
The reason Marsh is struggling is because of poor leadership ending up with $850,000,000+ in fines from NY, IL and CT for bid rigging and prohibited contingency fees.  Future profitability & growth for these brokerages is anything but certain and likely to grow very slowly because they are...
Ronald BartonMarch 5, 2008
Turbocharging organization capability a la Google
Analysis of: Management a la Google, WSJ 4/26/2006 | online.wsj.com
Author: Ronald Barton, President, The Profit Coach
Nearly all major companies are operating outdated organizational concepts that support egos and greed but do not use people and technology to maximize investor value. A few companies are challenging these concepts, Google being one, but no company has made the transformation to a truly "intelligent...
March 4, 2008
Rewarding Doctors Good Medicine to Beat Earning Forcasts
Analysis of: Managed-care company sees benefits of pay-for-performance | www.tennessean.com
Author: GLG Expert Contributor
The plans that figure out how to get doctors to self manage best of breed chronic care will certainly spend less money treating their insured lives.  For example, preventing a colon cancer, cervical cancer, heart bypass, transplants, premature infant, stroke or MI saves big bucks.  It saves...
Frederic GoldsteinFebruary 29, 2008
Pay for Performance Can Drive Physician Behavior, but don't Forget the Patient
Analysis of: Managed-care company sees benefits of pay-for-performance | www.tennessean.com
Author: Frederic Goldstein, President and Chief Operating Officer, U.S. Preventive Medicine, Inc.
Using appropriate Pay for Performance programs can drive physician behavior and results in changes in utilization, these should be continued but the patient component is a larger issue.    

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