The tooth benefits industry rapidly grew from the blossoming health insurance industry. Hopefully, we're able to better appreciate the tooth benefits industry by getting more familiar with its origins and natural progression.
Health insurance began to appear in the United States around 1850 and prodentim reviews us
yes it only offered rewards to individuals who were disabled by accidental injury.5 Benefits for medical treatment didn't begin to present themselves until 1910, and coverage for clinic, surgical, medical and nursing care expenses started in 1930.5 The original health insurance models were traditional fee-for-service programs (also also known as indemnity insurance programs). They had been fast followed by numerous prepaid health plans, deemed the precursors to today's managed care insurance designs such as overall health maintenance organizations (HMO) and also preferred provider organizations (PPO).
The initial example of managed care insurance came about in 1917 in Tacoma, Washington when the Western Clinic began providing the lumber business with prepaid physician services.6 In 1929, Dr. Justin Ford Kimball was instrumental in setting up the Blue Cross manufacturer by announced a prepaid hospitalization for local teachers sponsored by Baylor Hospital in Texas.6 The Blue Shield program was used in 1939 for participating prepaid physician plans.6
One of the founders responsible for producing quality healthcare and insurance available to Americans was industrialist Henry J. Kaiser. In 1938, Kaiser recruited Dr. Garfield to help you generate prepaid clinic and hospital treatment for his Grand Coulee Dam project.6 In 1942, Kaiser and Dr. Garfield established a prepaid healthcare plan for the workers of Kaiser shipyards and Kaiser steel mills which really helped popularize overall health maintenance organizations.7 Kaiser Permanente is still prominent in the HMO insurance industry to this day.3
By 1949, there have been eighty one Blue Cross hospital programs and forty four Blue Shield medical insurance plans, covering a total of twenty four million Americans.6 Blue Cross businesses and Blue Shield insurance plans covered fifty two million along with 40 million Americans
respectively by 1959.6 After merging, Blue Cross Blue Shield collectively covered 87.4 million Americans by 1979.6 So Blue Cross Blue Shield, among modern day top insurance providers, was extremely important in the first managed care insurance movement.
Benefits expanded and expanded in the 1950s as traditional fee-for-service health insurance plans flourished and coverage expanded to add in various other expenses, such as vision care.3 Most insured individuals have been protected by either Blue Cross Blue Shield and by individual commercial insurance companies at this time.3 Despite this progress, the 1960s and 1970s brought about a tumultuous time for the insurance market.
The term "Health Maintenance Organization" was coined in 1970 by Paul Ellwood, who was instrumental to promote the Maintenance Organization (HMO) Act.6 HMO insurance came around as the insurance marketplace adjusted to employers' as well as individual consumers' concerns with the high premiums related to conventional indemnity insurance.
Right after debating different bills 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 businesses which implemented HMO insurance - considered cost-effective options to private physicians and hospitals - and effectively encouraged companies to offer the employees of theirs with health and fitness benefits.