The History of Hmo Plans

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Health Maintenance assosication Plans - Hmo Plans for short - are a type of managed care program. The idea behind managed care programs is that maintaining good health will be achieved by preventing disease and providing capability care. By maintaining good health, it is believed that escalating health care costs can be controlled.

When Hmo Plans were first introduced, members paid a fixed, prepaid monthly selected in transfer for health care from a contracted network of providers. The contracted network of providers includes hospitals, clinics and health care providers that have signed a contract with the Hmo. In this sense, Hmos are the most restrictive form of managed care plans because they restrict the procedures, providers and benefits by requiring that the members use these providers and no others.

History:

Hmos were intended to take health care in a new direction. They were designed by the government to do away with individual health guarnatee plans and to make affordable health guarnatee available to everyone. At that time employers were purchasing individual health guarnatee plans for their employees ~ a high-priced price that many were starting to forego.

The health Maintenance assosication (Hmo) Act was beloved by President Nixon in 1973. The managed health care plans were subsidized by the government and the new Hmo-type systems began to grow, typically organized by businesses and society groups eager to make health care available to their workers and members at costs they could great afford. This subsidy created deals from the guarnatee clubs to lure these businesses to buy these new discounted low cost health plans for their employees instead of the high-priced individual health plans.

Feeling the power of the government behind them and the frantic desire of employers to enroll their employees in these new Hmo Plans, guarnatee clubs began to apply pressure to doctors to join an Hmo. Doctors were told that if they didn't join, the guarnatee firm would find doctors who would join and they would effectively take all their patients away.  Thus, doctors ended up joining an Hmo so they would not lose their patients and subsequently their entire practice. 

As time went on, the guarnatee clubs added more and more rules each time the doctor's contract was renewed. The popularity of the Hmo Plans meant that the majority of their patients had Hmo plans so they acceptable the new conditions.  New terms included finding more patients, more stringent confidentiality agreements, and more services requiring pre-approvals.

Up until the 1980's most members agreed that Hmo's were a great health plan. However, by the end of that decade, faced with mounting numbers of denied claims, members began to sour on the Hmo Plans.

What led to the increase of denied claims? It wasn't a succeed of the claims themselves; it was a succeed of bad investments by the guarnatee companies.

During the real estate boom, the guarnatee clubs opinion it would be a good idea to invest in real estate deals.  Unfortunately, when the savings and loan manufactures crashed along with real estate values, guarnatee clubs began to lose money. These losses resulted in their coming up short to cover the claims of their Hmo members. 

Thus began the custom to deny the claims of the Hmo Plan members. The guarnatee clubs denied claims on the basis that they were too high-priced or medically un-necessary. At that time, members and their doctors did not fight these denials and because the guarnatee firm got away with the denied claim process so well, they have continued to do this as part of their operating procedure.

However, a new opinion has sprung up in recent year ~ Hmo Law.

There are now lawyers and law firms dedicated to bringing cases against Hmo's. These claims contain wrongful death, bad faith and healing malpractice. This means that an Hmo can be sued when a someone dies as a succeed of the Hmo denying coverage for needful healing treatment; for the denial of valid claims; and for healing malpractice on the part of one of its physicians.

Additionally, individual states are tightening up their laws governing Hmo Plans.

In hereafter articles we will discuss how Hmo's work, the types of Hmo Plans, the cost of the plans and the hereafter of the plans.

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