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GLG News by Life & Health Insurance Consultants

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June 11, 2008
Judgment Needed
Analysis of: Corporate Bond Risk Jumps to 2-Month High on Inflation Concern | www.bloomberg.com
Author: GLG Expert Contributor
Uncertainty breeds panic among people who seek to quantify risk, whether they do so judgmentally or with complex, elaborate "predictive risk models."  There is a dislocation taking place among the world's economies and the markets are simply struggling to quantify the meaning of the structural...
September 7, 2007
Medical Tourism Has Price Transparency - The United States Has Opaque Pricing
Analysis of: American's Gamble for Bargain Surgery Abroad | www.medpagetoday.com
Author: Michael Berman, Assistant Vice President, AON Consulting & Insurance Services
The United States has very limited price transparency for medical providers and facilities. The lack of price transparency artificially raises costs in the United States because there is very little price competition for services.  This is true even in areas where there is excess capacity.
July 24, 2007
Transparency to the Client is Paramount
Analysis of: Insurance brokers reconsider taking insurer commissions | www.marketwatch.com
Author: Michael Berman, Assistant Vice President, AON Consulting & Insurance Services
Contingent commissions, if not disclosed, can result in brokerage clients not knowing how much they are paying for the services they receive from their risk brokers. A commission should be viewed as just an alternative to fee-based consulting.  In theory the amount of commissions received should...
July 13, 2007
Creative Cost Containment for Healthcare Premiums
Analysis of: Insurer offers healthy bonus | www.denverpost.com
Author: Bilyana Savic, President, Insurance Insights
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.
July 13, 2007
Commissions: To Take or Not To Take. The Debate Continues.....
Analysis of: Insurance brokers reconsider taking insurer commissions | www.marketwatch.com
Author: Bilyana Savic, President, Insurance Insights
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...
July 9, 2007
Healthcare: The New International Market
Analysis of: Borders are no barrier to affordable healthcare | www.latimes.com
Author: Bilyana Savic, President, Insurance Insights
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.
July 9, 2007
Go eletronic or get left behind
Analysis of: "Hybrid" medical records an option for some hospitals | www.healthcareitnews.com
Author: Bilyana Savic, President, Insurance Insights
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.
June 19, 2007
Outsourcing - Down Pricing or Up Profiting?
Analysis of: Many 'undercurrent' on outsourcing in US | economictimes.indiatimes.com
Author: GLG Expert Contributor
With every decision making tool the Pros and Cons, applied to two partys in opposite poles, plays the greatest consideration. In this case,  the Consumers on one side and the Business Owners on the other. The Pros side: For Consumers - Quality products at the least price. For Business...
May 29, 2007
changing dynamics of health costs
Analysis of: Retail clinics: Accepting the inevitable | www.fiercehealthcare.com
Author: Bilyana Savic, President, Insurance Insights
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.
May 29, 2007
outsourcing - is it cost effective???
Analysis of: Insurance Outsourcing Focuses on India | www.insurancejournal.com
Author: Bilyana Savic, President, Insurance Insights
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...

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