PUBHLTH 129 Lecture Notes - Lecture 12: Health Maintenance Organization, Kaiser Permanente, Primary Care Physician
1 Nov 2017
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Was(cid:374)"t (cid:272)o(cid:373)prehe(cid:374)sive i(cid:374) ter(cid:373)s of the (cid:271)e(cid:374)efits (cid:271)ei(cid:374)g offered. Post ww2 insurance began to take off based on the fee for service concept exchange between the patient and provider. This concept provides the incentive structure for providers to do more but it created a lot of problems for the government. Blue cross blue shield expanded into the employment sector. Blue cross: created as nonprofit organization to not conflict with interests of physicians. Most professions believed that people should pay for medical services. Blue shield: created by physicians to keep medical decision making firmly in the hands of physicians. Physicians played a big role in the development of insurance more they do the more they earn. Indemnity insurance: patient goes to doctor who gives service and the patient will pay the bill but if the patient has health insurance they will submit a claim to their health insurance. Whatever their benefits are they will get reimbursement from their health insurance plan.
