Healthcare Insurance History

History of Healthcare Insurance
Jacqueline Moussa
HCS/212
12/02/2012
Katherine Smith

History of Healthcare insurances in the United States

The United States is the only country where a person has options with regards to their healthcare. The U.S. allows choice in healthcare insurance, which in turn provides choice in the different aspects of healthcare like doctor, hospital, and specialist. This was not always the case as healthcare insurance has evolved over the years. The history of healthcare insurances in the United was began in the mid 1700s but did not develop until 1850, when Franklin Health Assurance Company of Massachusetts began providing accident insurance, to cover injuries associated to railroad and steamboat travel.
This Plan consists of teachers paying 50 cents per month in exchange for the agreement that they could obtain medical assistances for up to 21 days of any one-year. Shortly after many hospitals incorporated the Baylor ideal, by making medical coverage be more accessible. In 1939, the American Hospital Association (AHA) first used the name Blue Cross to designate healthcare plans that met their standards plans in the 1960s (Zhou, 2009). The Blue Cross Plan was a nonprofit organization; therefore it was exempt from paying taxes and usual insurance regulations, allowing the company to retain low payments. This plan was pre-paid and it covered physician and surgeon assistances, incorporating the California Physicians Service in 1939, which surfaced around that same time. These physician-sponsored plans combined into Blue Shield in 1946, and Blue Cross and Blue Shield merged into one company in 1971 (Zhou, 2009). From the 70s until the present many different insurance companies have surfaced and provided healthcare for individuals including federally
If you were not informed about insurance, it would be difficult to accomplish your job as a healthcare administrator. A healthcare administrator would need to be aware of all the different kinds of insurances available, the populations they serve, the managed care portions of the insurances, and the quality of care in relation to the fiscal aspects of insurance and administration. There are positive and negative outcomes related to lack of insurance, fluctuating coverage, and how health insurance is managed. The negative outcomes relating to uninsured individuals are they could be having much less care rather than preventive for acute and chronic conditions than insured people. “Estimating the number of premature deaths attributable to lack of insurance present methodological challenges, research indicates that as many as 44,500 deaths per year in the Untied stated are linked to lack of insurance” (Bernstein et al., 2010). “Poorer health, greater disability and premature death among uninsured workers have economic consequences for their families, employers, and the overall economy” (Bernstein et al., 2010). When children to not have access to healthcare the may lose some opportunities for normal development which can cause absence from school and other activities. When adults have less access to care, they will then be more susceptible to illness, because they are not seeing a healthcare