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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.

CDHP not Replacement of HMO/PPO

July 31, 2006

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

CDHP plans are not really competing with traditional HMO and PPO plans.  In the large employer market, they are generally offered alongside another plan design.

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.

Pharmacy Copay Trends in Employer Benefit Plans

July 12, 2006

When New Drugs Are Costly, How High to Raise Copays? | www.managedcaremag.com

This article deals with the meaningful question of the level that benefit managers will set pharmacy copays.

The author correctly notes that lowering utilization of high cost drugs does not always lower overall plan costs.

PBM's do not set plan copays.

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.

CDHP and Large Employer Market

June 26, 2006

CDHP Phenomenon | hr.blr.com

Large employers are commonly offering a CDHP option in their employee benefit plans; however, very few are moving to CDHP on a full replacement basis. 

CDHP plans generally have poor price transparency, which is in conflict with the concept of consumerism.

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.

Healthcare Investors Must Evaluate Underwriting Innovation To Spot Good Bets

June 9, 2006

What We Have Learned In The Last 50 Years and Are Not using | www.milliman.com

Actuarial Science tends to attract orderly and precise minds who have historically been quite content to establish underwriting processes for Group Health Insurance in a manner that projects past experience to arrive at prospective cost. This is true on individual groups as well as blocks of pooled business and is a process which incidently has not changed in 50 years.The US Surgeon General has reported that lifestyle choices are responsible for over 70% of diseases and account for more than 75% of health care costs. Investors need to scrutinize the underwriting methodologies being utilized to see how effectively public healthcare companies are assimilating lifestyle based analytics into the evaluation and pricing of health risks. This competence, along with engagement and successful behavior changes can provide dramatic return on investment. Which Health Care Companies have the courage to change their sacred actuarial methods and act on the data they possess to boost profits? This is a must read article for investors long in the health care sector as well as those considering a position.

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 just a novelty

June 5, 2006

CDHP Phenomenon | hr.blr.com

1. In the begining
2. Tax changes
3. Exciting new product suites mean better rates

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.

CDHP vs HSA

June 5, 2006

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

-CHDP's vs HSA
-Why so popular?
-Will the original HMO plan come back?

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.

Preparing for Consumer Driven Health

June 1, 2006

Time is The Best Medicine in Making The Switch to Consumer Driven Health | www.workforce.com

Early adapters of consumer driven healthcare programs have a lesson to share with employers considering the approach--take the time to educate and to let your workforce adjust to the concept before implementing or face a revolt from your workforce.

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.

Do Not Underestimate the Difficulty of Consumer Driven Full Replacement

May 25, 2006

CALPERS Ponders Benefit Changes | sacramento.bizjournals.com

CALPERS is considering health benefit design changes which could save $64M next year but heavy resistance is expected from unions. The article offers insights into how truly out of touch with actual  medical costs many public sector employees and their union representatives truly are and how difficult this fact will make execution of  a full replacement consumer driven healthcare strategy in the public sector.

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.

Big Margins for Medical Device Makers Face Scrutiny By Consumers

May 25, 2006

Device Maker Pricing Has Big Impact On America's Healthcare Bill | www.healthleadersmedia.com

Medical device makers have been insulated from scrutiny of the public for their excessive margins. The issue has two components;

1. Inappropriate utilization by providers
2. Outrageous product costs

Investors should carefully consider which device makers can even justify their margin in the face of transparent pricing.

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 Health and Productivity Connection

May 18, 2006

More insurers Reimburse Doctors for Online Care | www.orlandosentinel.com

Non-emergency office visits account for 20-30% of the average physicians total. Many of these can be handled online via secure communication without costing an employee to miss work. Insurer are beginning to reimburse for online consults.

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