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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.

Large Group vs. Small Group market is very different

August 23, 2006

CDHP's and the market trend in NJ, NY & PA | www.hctproject.com

To compare solely on the basis of large group trends vs. small group trends would be unfair as the needs of the small group business owner are different.

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.

Not reflective of current trend

August 23, 2006

Aetna Shares Drop on Medical Costs, Enrollment Cut | www.medscape.com

We need to look at the overall picture and not just the current numbers.

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.

Disease Management ROI Difficult To Quantify

August 21, 2006

Guidelines For Gauging ROI In Health Programs | www.benefitnews.com

Disease management programs are becoming much more common; however, its very difficult to quantify the return on investment that employers can expect from these programs. 

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.

Medco Agrees to a More Transparent Business Model

August 21, 2006

Medco Agrees to More Financial Transparency | www.northjersey.com

Medco is starting to embrace the concept of transparency by agreeing to voluntary Health Care Policy Association (HRPA) certification


Express Scripts is now the only "Big 3" PBM to not be certified by HRPA.

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.

Part D Not Perfect But Better Than No Drug Plan

August 18, 2006

U.S. Seniors Navigating New Medicare Prescription Drug Plan: Some Beneficiaries Encounter Problems | www.medscape.com

Medicare Part D is far from perfect but it has provided a real benefit to millions of Medicare recipients who previously had no drug coverage.

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.

Aetna Vs. CIGNA MLR

August 18, 2006

Aetna Shares Drop on Medical Costs, Enrollment Cut | www.medscape.com

CIGNA was perceived to have a much better quarter than Aetna despite having a much higher medical loss ratio (MLR).

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.

CDH: Lower Costs Through Higher Generic Dispensing Rates

August 15, 2006

Consumer-Directed Health Plans Boost Demand for Drug Price Comparisons | www.aishealth.com

Price Transparency is critical for the success of CDH

Drugs have the most transparency of all medical cost components

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.

BCBS Association:Will No Longer Disclose Financial Results

August 11, 2006

Transparency Has Its Limits | www.modernhealthcare.com

The Blue Cross Blue Shield Association has made a large public splash this week by announcing an initiative which will pool loss data from over 20 not for profit BCBS plans see link http://cms.nationalunderwriter.com/cms/nulh/Breaking%20News/2006/08/04-blues-ab At the same time they will no longer offer financial results in aggregate of their licensed nonprofit blue plans, something they have historically done. It is interesting that BCBS is just now aggregating data across multiple plans and the explanation of what they intend to do with that data can be found by viewing the commentary below.

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.

Healthplans Race Toward, Predictive, Personal and Pre-emptive

August 4, 2006

Employers' Stock in Wellness Rises With No End in Sight | www.managedcaremag.com

This article presents an excellent summary of the current state of wellness in America while providing good insights into the perspective of employers, Health Plans and the U.S. surgeon General.

Competitive advantage for Healthplans will come to the first player to achieve proven competence at making health care "predictive, personal and pre-emptive" for their members. For healthcare companies with a large book of fully insured business this quest has enormous profitability potential that investors should hone in on now.

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.

Linking Lifestyle Choices With Healthcare Costs

August 4, 2006

More Americans See Hiking Health Costs for Unhealthy as Fair | www.plansponsor.com

53% of Americans surveyed now believe charging more for health insurance to individuals with unhealthy lifestyles is fair, up from 37% in 2003. Several, recent polls suggest this majority opinion is widespread.

Investors in the healthcare sector should take note as this opinion is linked to workplace education on wellness as employers prepare for consumer driven health plans.

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