Ms. Bañaga is director and treasurer of Solutions Incorporated.  Her area of expertise is asset risk management.
 

Her field of expertise is employee benefits consulting with a particular emphasis on managed care.
 

Since joining Solutions Incorporated, Ms. Bañaga has worked on several projects under USAID-funded grants, one of which is an auditof the operation of a local government health care plan. She has also worked on several third party administration programs. While in Solutions, she has handled projects that have involved health care plan design, including self-insured options with network access through HMO’s.  She has also assisted employers in selecting health care providers, starting with an assessment of the criteria in selecting a provider for a particular company, up to the bidding process and recommendation for final selection.
 

For companies that have opted to use Solutions’ broking services, her role has extended to overall Account Management, including supervision of a team that handles the plan launch, day-to-day liaising with the HR Department of the employer, the provider and the employees of the Company.  Her team also provides regular utilization reports, claims analysis and renewal negotiation.
 

Ms. Bañaga has worked in the insurance and health care fields for more than fifteen years.
 

She worked with the claims department of a large non-life insurance firm specializing in health care for five years.  She subsequently joined a large multinational life insurance firm in order to set up their health insurance administration unit.  She has headed the claims department of one of the largest health maintenance organization in the country.  Prior to joining Solutions, she was the officer in charge of all personal accident insurance of a multinational non-life insurance company.  In the last two positions, she was responsible for the design and implementation of employee benefit programs for several large corporations.
 

Ms Bañaga graduated with a bachelor's degree in medical technology from the Manila Central University.