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GLG News by Life & Health Insurance Consultants

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May 29, 2007
You Need to Consider Drug Mix and Plan Design
Analysis of: Comparison of Mail Order with community Pharmacy Cost | www.amcp.org
Author: Michael Berman, Assistant Vice President, AON Consulting & Insurance Services
It is universal that the mail order distribution channel has lower generic utilization than the retail channel.   PBM pricing is always better for mail order scripts versus retail.  In addition, plan design is a major component of net claim costs.
May 28, 2007
Quality and Service Will Suffer With Outsourcing
Analysis of: Insurance Outsourcing Focuses on India | www.insurancejournal.com
Author: Michael Berman, Assistant Vice President, AON Consulting & Insurance Services
Outsourcing won't work well until the Indian outsourcing firms develop the core competencies of key insurance operations.  
Daniel BuckleMay 9, 2007
PBM's Fail Employers with Mail
Analysis of: Comparison of Mail Order with community Pharmacy Cost | www.amcp.org
Author: Daniel Buckle, Principal, Employee Benefit Resources of South Texas
Mail did not produce higher generic utilization rates or lower costs for employers who hired a PBM to accomplish both.
April 16, 2007
Trends in Life Settlements
Analysis of: Life Settlements - 2006 Trends, Developing and Emerging Trends | www.aquariuscapital.com
Author: GLG Expert Contributor
 It has become one of the more popular insurance areas focused from an investment, legal and consumer perspective.  Hedge funds are looking at the market due to perceived returns on investment.
Daniel BuckleApril 2, 2007
Media Smells Blood at Big Pharma
Analysis of: Under The Influence | www.cbsnews.com
Author: Daniel Buckle, Principal, Employee Benefit Resources of South Texas
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...
Daniel BuckleMarch 28, 2007
Hello Managed Care!
Analysis of: Employers Push Health Plans to integrate Onsite Health Centers With Care Management | www.aishealth.com
Author: Daniel Buckle, Principal, Employee Benefit Resources of South Texas
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...
Daniel BuckleMarch 28, 2007
Florida Legislators Research on PBM Business Model
Analysis of: Legislature Could consider Options to Address PBM Business Practices | www.oppaga.state.fl.us
Author: Daniel Buckle, Principal, Employee Benefit Resources of South Texas
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 BuckleMarch 28, 2007
The War on Drug Costs
Analysis of: Why Generics Do not Always mean Cheap | online.wsj.com
Author: Daniel Buckle, Principal, Employee Benefit Resources of South Texas
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.
March 19, 2007
Life expectancy and cost of pensions promises seem set to continue to rise
Analysis of: Two-dimensional mortality data: patterns and projections | www.actuaries.org.uk
Author: GLG Expert Contributor
Life expectancies show a surprising degree of variation amongst developed nations.  Circumstantial evidence suggests that the U.K., U.S.A. and Germany have plenty of scope for further increases, compared to similar wealthy nations.  The implication of such increases would be increased cost...
December 4, 2006
Is PBM Transparency a Good Thing?
Analysis of: PBM transparency: More than meets the eye | www.benefitnews.com
Author: Michael Berman, Assistant Vice President, AON Consulting & Insurance Services
This article discusses transparency in the context of retail pharmacies; however, PBMs are most profitable in the mail order distribution channel.Transparent PBM deals have more guarantees than implied by this article.

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