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One early Fund example was a dental category with a $20 contribution to the annual cost of an exam and cleaning. Over time, the scope of care covered by the Fund expanded to include stitches, the treatment of broken bones and emergency room care. By 2004, the Ithaca Health Fund was a well-known local alternative to health insurance.
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 La Guardia, who wanted to offer medical services to New Yorkers of “moderate means.” [10] HIP got its first members in 1947.
Excellus BlueCross BlueShield (Excellus BCBS, or Excellus) is a non-profit health insurance company headquartered in Rochester, New York. It is part of the Blue Cross Blue Shield Association. In 2010, Excellus was Upstate New York's largest nonprofit health plan. [42]
In 1859, the New York State Legislature created the New York State Insurance Department, and assumed the functions of the Comptroller and Secretary of State relating to insurance. [1] The department began operations in 1860 and William F. Barnes was the first Superintendent of Insurance. [1]
The US health system does not provide health care to the country's entire population. [3] Instead, most citizens are covered by a combination of private insurance and various federal and state programs. [4] As of 2017, health insurance was most commonly acquired through a group plan tied to an employer. [5]
With indemnity dental plans, the insurance company generally pays the dentist a percentage of the cost of services. Restrictions may include the co-payment requirements, waiting period, stated deductible, annual limitations, graduated percentage scales based on the type of procedure, and the length of time that the policy has been owned.
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