Insurance in America ... different types - CNN BLOG

Insurance in America … different types


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At the turn of the twentieth century, the first health insurance program appeared in the United States of America to provide care to specific groups in exchange for prepaid insurance premiums. These programs, some of which still exist today, include Dr. Michael Shadid’s Collaborative Health System in Elk, Oklahoma, which was established in 1929, as well as the Ross-Los Clinic that provides care for Los Angeles Water and Energy Service employees and their families, and the Western Clinic at The city of Tacoma in the state of Washington, Dr. Sydney Garfield’s clinic in the state of Los Angeles, which was established in 1933 AD, the Washington Collective Health Association, which was established in 1937 AD, the Collective Health Cooperative System in Seattle in 1937 AD, and the Health Insurance System in New York State in 1947 AD. After World War II, the US government agreed to employers to improve the health coverage provided to their workers rather than raise their wages.

In the mid-sixties of the last century, “Medicare” programs for the elderly were launched, followed by “Medicare” programs for low-income people, which provide free health care to a specific segment of the population, most notably the handicapped and poor families with children. As a result of the high costs of health care for the US government, alternative types of insurance appeared in the early 1970s, such as health preservation institutions or devoted care, “which was planned by the yank MD Paul Ellwood, and that gained official standing once Congress passed the Health Preservation establishments Act of 1973, to get pleasure from As aresult, he received tax benefits, as he made it obligatory for every employer who has more than 25 employees to insure them through these institutions, in addition to the usual insurance In addition to the services and medicines provided by these institutions, they were entitled to receive financial benefits from the government.

Dedicated care institutions quickly proved their ability to rationalize costs, after reducing their costs by between 10 and 40 percent over the costs of traditional insurance systems, which led to employers gradually shifting towards them and moving away from traditional insurance companies, but they did not start successfully until the first half. From the 1990s, when the number of registrants with them began to rise by 10 percent annually. Initially, the market was dominated by the model of health maintenance institutions that owned their own medical staff, who were full-time doctors for them. And the model of collective health preservation institutions, who are independent doctors working under contracts with these institutions.

With the beginning of the nineties of the last century, a new type of these institutions emerged, known as the “Independent General Medicine Association”, in which doctors work independently of the Health Preservation Foundation and are able to conclude agreements with more than one of these institutions at the same time, and they are paid a fee. Regarding the services they provide, despite the fact that the prices are low, they practice examining patients insured by the conventional insurance system. The “Independent General Medicine Association” program is preferred by patients due to its lower costs compared to traditional systems. Health preservation organizations play a direct role in managing and providing health care, in contrast to “fee-for-service” insurance companies that rarely fund medical services expenses there.


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