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January 4, 2008
Wombs for Rent - Organs for Buyers.
Analysis of: Outsourced Wombs | warner.blogs.nytimes.com
Author: GLG Expert Contributor
Wombs for rent and organs for purchase is not new news, but it certainly is a growing business.  Aside from the obvious effect on a reinsurer profits for allowing very expensive transplanted vessels to be eligible for reimbursement, there is the larger issue of if it is right to allow. ...
January 4, 2008
World Health insurance at 30,000 feet is quite different from emerging market eutrepeneuring
Analysis of: To your health: diagnosing the state of healthcare and the global private medical insurance industry | www.swissre.com
Author: GLG Expert Contributor
The authors comments are accurate for a multibillion dollar multinational reinsurer looking down from 30,000 feet.  The US spends about $1.6 of the estimated $5 billion.  Identifying emerging trends in foreign lands will take a wary eye.  It is highly unlikely that the type of risk giant...
December 26, 2007
When Volume Is Higher, Management Must Be Better
Analysis of: Top-10 P-C Insurance Stories Of 2007 Focus On Soft Market, Poor Reputation | www.propertyandcasualtyinsurancenews.com
Author: GLG Expert Contributor
"Volume solves all your problems", but pricing still must recover both expenses and the targeted Net Margin.
December 17, 2007
Governments At All Levels Must Partner With The Insurance Industry As Business Entities, Or The Public Will Fail.
Analysis of: Public Partnerships Critical For Insurers in Catastrophe-prone Regions | www.insurancetech.com
Author: GLG Expert Contributor
Litigating and disciplining the Insurance Industry, outside of sound, ethical, business reasons  are not profitable methods of encouraging recovery for 2008. 
December 17, 2007
Though Rate Decreases Are A Relief To The Public, They Must Occur As The Result Of A Sound Business Model- Not A Government Mandate.
Analysis of: Home Insurers Fail To Deliver State's Promised Cuts | www.ccfj.net
Author: GLG Expert Contributor
Unrealistic and arbitrary Government mandates work well for issues political, but not for those that are fiscal.
December 10, 2007
Allowing For a Flexible, Adaptive Business Plan means Growth, if not Survival During Catstrophic Events.
Analysis of: Insurance Companies Look Back On A Successful Year | www.kpmg.com
Author: GLG Expert Contributor
The Insurance Industry learned from the unpredictable, but certainly expected catastrohpic events earlier this century. The successful Agencies and Carriers adapted and now use business models the industry has not yet seen- they are teachable and will evolve into an even higher form. 
December 6, 2007
Understanding the Potential Impact of Future Trends in the Life Insurance Industry
Analysis of: Global Expansion in Life Insurance | www.eds.com
Author: GLG Expert Contributor
The article is interesting because is evaluating the engines behind the globalization trend in life insurance insdustry. In particular, the article examines two important demographic trends:   (1) the ageing of the world's population and (2) the increase in life expectancy of...
Richard BalandDecember 3, 2007
Repayments to Medicare May Be Too Much to Ask
Analysis of: Medicare | Some Hospices Forced To Repay Medicare for Exceeding Reimbursement Limits as Patients Live Longer Than Expected | www.kaisernetwork.org
Author: Richard Baland, Partner, B2B CFO
The government has paid hundreds of millions less as a result of these measures. Now, the government has targeted the Hospice industry. Of course, there is no physician that can predict how long a patient will live. Physicians sign orders for Hospice patients that are terminal. The physician cannot...
Richard BalandDecember 3, 2007
Scorecards Represent a Simple and Inexpensive Tool in Hospital Turnarounds
Analysis of: Crouse Hospital's Turnaround Shows There's Hope For Distressed Hospitals | www.hfma.org
Author: Richard Baland, Partner, B2B CFO
Board restructuring, Implementation of appropriate information systems, Productivity and staffing, Debt restructuring, Revenue cycle improvements, Supply expense reductions, New contracts and capital equipment approval processes are the Turnaround areas that scorecards...
Frederic GoldsteinNovember 28, 2007
Medicare and Medicaid on the Way to Bankrupting the Country
Analysis of: CBO: Medicare and Medicaid spending growth unsustainable | www.ama-assn.org
Author: Frederic Goldstein, President and Chief Operating Officer, U.S. Preventive Medicine, Inc.
While Medicare and and Medicaid currently consume about 8% of the countries GDP, the CBO projects these two programs will consume 18.5% unless major changes are made. These changes are going to require a much different approach than what is operating today.

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