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Healthcare Term And Healthcare History Essay

791 words - 4 pages

Providing and funding for good quality health care has always been a major concern for the industry and especially individuals. Years ago, most of the cost of health care was either out of pockets or made a trade with food or other material items for medical care. In today’s economy health care is very expensive (even more expensive then back in history), even if there are health and medical insurance.
Back in the mid 1930’s, the Blue Cross/Blue shield organization sought to give individuals hospital and medical coverage with only one prepaid fee (a deductible). Years later, there were other health and medical insurance companies who started offering coverage, such as, Kaiser Permanente and ...view middle of the document...

The HMO part of the plan uses a referral system, made by a primary physician, for those services performed by out-of-network physician. Whereas, the PPO aspect, individuals are allowed to use out-of-network and in-network physicians, but with better benefits with the in-network physician. With the PPO plan, the costs of the premiums are higher for the consumer, but individuals choose to use this plan because of the better benefits (National Healthcare Reform Magazine, 2012).
On March 23, 2010, President Obama signed into law, the Healthcare Reform Act, which is also called the Patient Protection and Affordable Care Act (PPACA). As we go forward with the new Act, most of the current changes went into effect October 1, 2010 or January 1, 2011, whichever the renewal date. There are positive changes that will occur with the new Act. There will be increased education for consumers on the short- and long-term changes. Annual enrollment will be needed for organizations with 200 or more employees; increased payroll deductions according to dependents; increased cost overall; and there will be increased waivers, because of employees waiving insurance coverage from the employer. As we move forward and information becomes available, we will begin to see the economic force start to work (National Healthcare Reform Magazine, 2012).
The econometric studies have shown plan choice...

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