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The dental benefits industry quickly grew out of the blossoming health insurance market. Hopefully, we can better appreciate the tooth benefits industry by getting more familiar with the origins of its as well as natural progression.
Health insurance began to appear in the United States around 1850 and yes it just provided benefits to people who had been disabled by accidental injury.5 Benefits for medical treatment didn't begin to come through until 1910, and coverage for clinic, surgical, medical and nursing care costs began in 1930.5 The earliest health insurance models had been traditional fee-for-service plans (also often known as indemnity insurance plans). They had been fast followed by numerous prepaid health programs, considered the precursors to today's managed care insurance models such as 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 started giving the lumber industry with prepaid doctor services.6 In 1929, Dr. Justin Ford Kimball was important in establishing the Blue Cross brand by introduced a prepaid hospitalization for local teachers sponsored by Baylor Hospital in Texas.6 The Blue Shield method was adopted in 1939 for participating prepaid physician plans.6
Among the forerunners responsible for producing quality healthcare and insurance readily available to Americans was industrialist Henry J. Kaiser. In 1938, Kaiser recruited Dr. Garfield to help you produce prepaid clinic and hospital treatment for his Grand Coulee Dam project.6 In 1942, Kaiser and prodentim reviews - similar webpage - Dr. Garfield established a prepaid healthcare program for the employees of Kaiser shipyards as well as Kaiser steel mills which really helped popularize overall health maintenance organizations.7 Kaiser Permanente is still prominent in the HMO insurance market to this particular day.3
By 1949, there have been 81 Blue Cross hospital strategies and forty four Blue Shield medical insurance programs, covering a total of 24 million Americans.6 Blue Cross companies and Blue Shield insurance plans covered fifty two million along with forty 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, one of present day the very best insurance providers, was quite influential in the early 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 add in various other expenses, including vision care.3 Most insured individuals have been protected by either Blue Cross Blue Shield and by private commercial insurance companies in this time.3 Despite this improvement, 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, who was important in promoting the 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 associated with traditional indemnity insurance.
After debating various 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 who implemented HMO insurance - regarded as cost-effective alternatives to private physicians and hospitals - & efficiently prompted employers to offer the workers of theirs with overall health benefits.