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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.

Michael BermanAssistant Vice PresidentAON CONSULTING & INSURANCE SERVICES 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.

Is PBM Transparency a Good Thing?

December 4, 2006

PBM transparency: More than meets the eye | www.benefitnews.com

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.

Michael BermanAssistant Vice PresidentAON CONSULTING & INSURANCE SERVICES 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.

High Performance Networks

November 24, 2006

Pay-for-Performance Plans Now Common Among HMOs | www.nlm.nih.gov

One product the major healthplans are starting to sell are benefit plans (HMO's/PPO's) that utilize a high performance network (HPN).  The HPN is a more limited network of doctors who have shown that they are providing quality service and good value from a cost standpoint.

Michael BermanAssistant Vice PresidentAON CONSULTING & INSURANCE SERVICES 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.

Walmart Program Beneficial to Consumers

November 24, 2006

Wal-Mart Expands Generic Drug Program | www.newsinferno.com

Many people with health insurance have pharmacy plans with generic copays with flat dollar minimums of at least $5.

Walmart may gradually expand the program or add additional pricing tiers.

Michael BermanAssistant Vice PresidentAON CONSULTING & INSURANCE SERVICES 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.

Why Are They Dumping?

November 24, 2006

Trend: Consumers dumping HMO plans | www.fiercehealthcare.com

HMO Plans have become very similar to PPO without an out-of-network benefit.

Member cost sharing is typically lower than PPO plans making them more expensive.

Anthony Cancela, President

Anthony CancelaPresidentCANCELA INSURANCE BROKERAGE, LLC 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 other side the CDHP's

September 27, 2006

When Empoyees Pay for Health Care, the Boss Pays too | online.wsj.com

CDHP's are not the "end all" to the growing healthcare problem in this country, but at least it is a beginning for the employer and employee to gain back some sort of control on the expenditure they have on insurance premiums.

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