페이지 정보작성자 Marilyn 댓글 0건 조회 12회 작성일 22-09-24 11:40
Health insurance began to appear in the United States around 1850 and yes it just provided advantages to people who had been disabled by accidental injury.5 Benefits for medical treatment did not start to emerge until 1910, and coverage for clinic, medical, medical and nursing care costs started in 1930.5 The first health insurance models had been traditional fee-for-service programs (also known as indemnity insurance programs). They had been quickly followed by several prepaid health programs, considered the precursors to today's managed care insurance designs like health maintenance organizations (HMO) and preferred provider organizations (PPO).
The initial example of managed care insurance came about in 1917 in Tacoma, Washington when the Western Clinic began offering the lumber business with prepaid physician services.6 In 1929, Dr. Justin Ford Kimball was instrumental in setting up the Blue Cross manufacturer by introduced a prepaid hospitalization plan for local teachers sponsored by Baylor Hospital in Texas.6 The Blue Shield method was used in 1939 for participating prepaid physician plans.6
One of the founders responsible for producing quality healthcare as well as insurance available to Americans was industrialist Henry J. Kaiser. In 1938, Kaiser recruited Dr. Garfield that will produce prepaid clinic as well as hospital care for his Grand Coulee Dam project.6 In 1942, Kaiser and Dr. Garfield established a prepaid healthcare plan for the employees of Kaiser shipyards and Kaiser steel mills which helped popularize overall health maintenance organizations.7 Kaiser Permanente remains visible in the HMO insurance industry to this day.3
By 1949, there have been eighty one Blue Cross hospital plans and 44 Blue Shield medical insurance programs, covering a total of 24 million Americans.6 Blue Cross corporations and Blue Shield insurance plans covered fifty two million and 40 million Americans respectively by 1959.6 After merging, Blue Cross Blue Shield jointly covered 87.4 million Americans by 1979.6 So Blue Cross Blue Shield, one of today's top insurance providers, was extremely important in the first managed care insurance movement.
Benefits expanded as well as expanded in the 1950s as traditional fee-for-service health insurance plans flourished and coverage expanded to include other expenses, like vision care.3 Most insured people have been covered by either Blue Cross Blue Shield and by individual commercial insurance companies in this particular time.3 Despite this progress, the 1960s and 1970s brought about a tumultuous time for the insurance industry.
The term "Health Maintenance Organization" was coined in 1970 by Paul Ellwood, probiotic supplement canada (www.saanichnews.com) who was important in promoting the health Maintenance Organization (HMO) Act.6 HMO insurance came about as the insurance marketplace altered to employers' and individual consumers' concerns along with the excessive premiums related to traditional indemnity insurance.
After debating different costs for a national health insurance plan in the 1960s as well as 1970s, Congress passed the Maintenance Organization Act in 1973.6 This Act provided grants to employers that implemented HMO insurance - considered cost-effective alternatives to individual hospitals and physicians - & efficiently encouraged employers to provide their workers with overall health benefits.
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