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Large PEOs offer competitive group health insurance benefits through multi-employer or master policy plans. These merge several companies into one policy, lowering premiums through economies of ...
Most professionally run companies today provide group health insurance as a part of their Employee Welfare programs. Each company, however, gets the plan customized based on the employee demographics. Typically in India, companies use broker services to design their plan and negotiate with insurance companies.
HealthPartners was founded in 1957 as Group Health, the first HMO, by Mid-America Mutual Insurance Company as an experiment in managed care and lower-cost health care. They established a full-service clinic in their headquarters on Como Avenue, at Highway 280, in St. Paul, near the border of Minneapolis. Its board of directors included one patient.
Health Insurance Plan of Greater New York (HIP) was incorporated in 1944 as the first health insurance plan for public service workers. [9] The company was founded by David M. Heyman with the support of New York City mayor Fiorello LaGuardia, who wanted to offer medical services to New Yorkers of “moderate means.” [10] HIP got its first members in 1947.
According to a study by a pro-health reform group published February 11, the nation's largest five health insurance companies posted a 56 percent gain in 2009 profits over 2008. The insurers ( Anthem , UnitedHealth , Cigna , Aetna and Humana ) cover the majority of Americans with health insurance.
In 1948, an organization known as the Government Employees Health Association (GEHA) allowed a small section of Federal Government employees to obtain group health insurance plans. Since that time, a number of insurance plans have been added or changed. [1]
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