The Advancement Of Private Health Insurance .panies-clonecd

Health Private health insurance .panies stemmed from the publics need for financial assistance in cases of general medical emergencies. The concept of health insurance is collectivism it collects each individuals small monetary contributions into a pool which can be readily used in case of a person/s medical need. There are also some health insurance .panies who cover long term disabilities and nursing needs. Social security is a form of insurance provided by the government through taxes, which can be used to cover a citizen in a medical situation. Healthcare is a need that each individual needs to have to avoid fatality. Private health insurance .panies originated from the concept of Hugh Chamberlen in the late 1600s, but was never enacted until the 1900s. The first form of health insurance came in the nature of accident insurance, which are a lot similar to what we know of today. In the United States, the first accident insurance .pany was known as the Franklin Health Assurance .pany of Massachusetts. The concept of covering sickness in insurance, other than just accidents or sudden disabilities, began in 1866, but was never successfully enacted until the year 1890. As the years progressed, employer-enacted health plans came to effect in the year 1911. Private health insurance .panies didnt start until the middle of the 20th century, when private hospitals began offering individual health plans to patients to help them finance expensive medications. These are the predecessors of what we now know to be HMOs or Health Maintenance Organizations, Blue Cross being one of its original founders. Health care is a big and sensitive issue all over the world, and especially in the United States, with the recent health care reforms from the current president Barack Obama but that is another topic altogether. Health insurance responsibility and terms are clearly stated on the policy holders booklet, and is largely based on the premium he or she pays on a monthly basis not all services are covered, and there are certain limits to the insurance coverage. Still, with all these, one cant stress enough the importance of health plans to an individual and his or her familys health. There are also several types of insurance plans offered by health insurance .panies; long term, short term, scheduled, etc., and their prices may vary as well. There are a lot of top health insurance .panies in the US today: Harvard Pilgrim Health Care, Tufts Associated Health Maintenance Organization, Capital Health Plan, Kaiser Foundation Health Plan, Allstate, and many others. One thing is for sure, though, with the economy as it is, private health insurance .panies will surely continue to emerge in the .ing years. About the Author: 相关的主题文章:

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