Birth of Health Insurance
Health insurance started in the early twentieth century when the working class of America faced the problem of sickness and injury resulting in missing work and lost wages. The first health insurance was disability insurance. It was developed during the civil war as a paid benefit to railroad and steamboat workers. Its only focus was to pay benefits to the insured when a railroad or steamboat injury occurred. Disability insurance was not designed, nor had the funding to cover hospital, or other medical expenses. The railroad and steamboat workers were unable to pay for the other medical expenses that accrued during sickness and injury. This dilemma caused the development of the first health insurance plan, called Blue Cross. “Blue Cross began when a businessman helped a group of teachers pre-pay for medical care. The teachers made small monthly payments to a hospital in exchange for medical services as needed” (Kennedy, English “Health Care” 1). This idea of lending money to help the people pre- pay for health care caught on quickly. Many companies struggling to survive during this time period adopted this idea o...
... middle of paper ...
... 1993 During Bill Clinton’s presidency the health insurance issues came up again. He shared plans of a national health insurance, which Congress shot down, feeling that it would still be too restrictive and cost too much. Multiple other plans were discussed during this time, and like the national health care plan they were too voted against.
Kennedy, Particia, and Marlanda English. “ Health Insurace: An overview. “Points of
View:Health Insurance (2009): 1. Points of View Reference Center.EBSCO. Web. 3 April. 2010.
Nancy De Lew The First 30 Years of Medicare and Medicaid JAMA, Jul 1995; 274:262-276.
Changing Times “Could HMO give you better,cheaper healthcare?” Unknow author vol 34. No 6 article dated june 1980 pg 29 viewed on 4/06/2010
Funding Alternatives for Fire and Emergancy Services bu US Fire Administration ch 8 section 2 2000.
Need Writing Help?
Get feedback on grammar, clarity, concision and logic instantly.Check your paper »
- Health Care Reform is a nothing new to Americans. Americans have been fighting this battle for a long time. We have reached the point where we must a change. We must change something at this point it almost doesn’t matter what we do as long as it’s something different than we have. The insurance companies are making huge profits already, yet Americans receive some of the poorest care in the world. We spend twice as much on procedures than other countries spend. Countries like United Kingdom, France or in Canada spend much less on their procedures.... [tags: Health Care Reform, HealthCare, Health Care, Obama]
431 words (1.2 pages)
- While many political issues are controversial and emotional for voters in America, few issues have created an outcry in recent years like the debate over health care reform. The arguments for and against such a comprehensive overhaul of the United States health care system are numerous and wide-ranging, as demonstrated by the scores of showings of support and protest against it. While it seems unlikely that few in the country could understand all of the ramifications of such a large bill, virtually everyone could find something they liked or did not like in the bill.... [tags: Debate Over Health Care Reform]
2492 words (7.1 pages)
- “We will pass reform that lowers cost, promotes choice, and provides coverage that every American can count on. And we will do it this year.” The preceding is a powerful statement from the newly elected President Barak Obama. One of the main aspects of both political campaigns was health care reform. The above quote shows passion and encouragement, but the quotes about health care do not end there. Georgian republican gubernatorial candidate and health care policy maker John Oxendine expressed: “Their proposal would virtually devastate the private healthcare sector in this country along with competition and patient choice, by replacing it with bureaucratic planning and government control.... [tags: health care reform, President Barak Obama]
1872 words (5.3 pages)
- What is universal health care. Universal health care is a form of health coverage which is provided by a government so that all of its citizens have access to health services. In the universal health care is a system of providing health coverage for any and all willing participants. This is usually through a government program, funded by taxes. The United States is the only developed country in the world to not have a universal health care system for its citizens. Medicaid and Medicare do not count because they target a select group of citizens.... [tags: Healthcare Reform, Obama Care]
2330 words (6.7 pages)
- After months of substantial and aggressive deliberation around the United States, particularly in Washington, the HealthCare Reform of 2010 also known as the Affordable Care Act, was passed with a filibuster favorable to Democrats and signed into office on March 23rd by President Barrack Obama. Though it is intricately detailed, the ideal purposes as promised by those who promoted it are to provide inexpensive and uncomplicated health insurance to citizens along with enhanced coverage for those with pre-existing conditions, beneficial prescription drug provisions and changes to tax credits.... [tags: Healthcare, Obama, health care reform]
1289 words (3.7 pages)
- Abstract It is time for our government to take a step away from war and look to meeting the needs of their own citizens. The need for health care reform is more evident than ever. The recession of America has caused many people hardship due to many lay-offs and the fact that insurance premiums have risen drastically. Many families are not receiving the health care that they require due to these circumstances. It affects not only the young, but the senior citizens as well. Many people do not qualify for the already present government health care programs such as Medicaid and Medicare.... [tags: Health Care]
1075 words (3.1 pages)
- U.S. health care reform is currently one of the most heavily discussed topics in health discourse and politics. After former President Clinton’s failed attempt at health care reform in the mid-1990s, the Bush administration showed no serious efforts at achieving universal health coverage for the millions of uninsured Americans. With Barack Obama as the current U.S. President, health care reform is once again a top priority. President Obama has made a promise to “provide affordable, comprehensive, and portable health coverage for all Americans…” by the end of his first term (Barackobama.com).... [tags: Health Care]
966 words (2.8 pages)
- Health Care Reform There has been a lot of talk and debate lately over Health Care Reform, as people are trying to answer the question – Should a universally accessible health care system be implemented in the United States (US). This ongoing highly debatable issue remains a hot topic among US citizens from all walks of life, from the very poor to the very wealthy. Health Care Reform affects everyone. The vast majority of the US population is very dissatisfied with the current state of health care.... [tags: Health Care]
1541 words (4.4 pages)
- Hippocratic Oath is one of the oldest binding documents in history, and it is still held sacred by physicians to help the ill, to preserve a patient's privacy, but most importantly it is taken by doctors swearing to practice medicine ethically. Practicing medicine ethically might have been very sacred centuries ago, but unfortunately it is not the case in today's society especially in the United States. Doctors in the United States face more than just high education costs, liability insurance payments, and long hours of work just to stay on top of the latest advancement in medical technology, but many of them also have to deal every day with insurance companies that do not want to cover the... [tags: Health Care ]
1215 words (3.5 pages)
- Background Universal Health Care System One of the most long-standing health care systems was originated in Germany in 1889 by Otto von Bismarck’s social legislation. Its included bills were the Health Insurance Bill 1883, Old Age and Disability Insurance Bill of 1889, and Accident Insurance Bill of 1883. The National Insurance Act of 1911 in Britain covered most people employed. It also financed dependents if families had contributed for at least five years. This coverage lasted whether families worked or not.... [tags: Health Care]
1529 words (4.4 pages)