Idaho Insurance

Even without federal health care, reform of the nation’s $ 300 billion health insurance is on the brink of the processing industry.

Many countries and over 500 health insurance funds should be in the area in the coming years as the industry moved away from their traditional insurance and the provision and management of health care.

This would accelerate the process as part of a plan for health care provided by the Clinton administration. Analysts predict that such a plan, tens or hundreds of thousands of health insurance agents of their jobs, the pace and the speed at which Americans are forced, organizations of health care. Invest in H.M.O. ’s

In the end, they say, the health care system would also changes, because a great blessing for the industry giants: Prudential, Cigna, Aetna, Metropolitan Life and late rice and Non-Profit - Blue Cross and Blue Shield plans. These companies are benefiting because they have already invested billions of dollars in health maintenance organizations, a means of controlling costs, favoured by the president of planning for public health policy.

The impact of these changes on public opinion a controversial debate. Small businesses say that the greatest concentration of stem wait plans Clinton would ultimately consumers, by centering too much power and business in large enterprises. Large companies are not as innovative and adaptable to the public, small businesses say.

But the five major commercial insurers, who have their own lobbying group to support the management approach, to reject these arguments. They say that many traditional indemnity insurers, who are committed to ensuring that customers would be more healthy can hardly escape.

Whoever goes to Washington, economists, analysts and leaders of the insurance company to say that most Americans in the coming years, changing insurers and relationships with insurers, have changed considerably.

“The industrial tradition compensation insurance is biologically extinct,” said Alain C. ENTHOVEN, Stanford economist and one of the architects of the nature of health care change hugged Mr. Clinton and Managed known under the name of competition. “These changes are already underway. It is only happened so quickly manages competition in life. ”

Besides giants that are committed to operators of HMO’s, the industry consists of a hodgepodge of businesses. The spectrum ranges from relatively large insurers such as Guardian Life Insurance Company of America, which provides more than one million people, on small operations like the universe Life Insurance Company of Lewiston, Idaho - many of whom found its rural customers 50000 by insurance associations peanuts, soybeans and poultry.

How medical costs have spiraled up, some insurers have invested billions of dollars in HMO’s and other control systems, which uses the services and patients.

Last year, 41 million Americans had already registered in HMO’s, from 19 million in the year 1985, according to the Group Health Association of America, a professional association of HMO’s. Of all the HMO’s, 42 percent are held by commercial insurance companies or Blue Cross and Blue Shield plans.

Some doctors treat HMO in a hospital or clinic modern. Other networks being hundreds or thousands of doctors, a practice in their offices. In all cases, those HMO’s accession should, in general, to abandon the traditional system of selecting a doctor, and they want to be reimbursed by health insurance plans. H.M.O. ‘Ready for growth

Kenneth S. Abramowitz, an analyst at Sanford C. Bernstein, a research firm on Wall Street, said that even without new Federal Constitution of the health changes, the Americans and the private sector, health insurance, are registered in HMO’s would develop the sector l electricity by 24 per cent receiving 45 per cent in 2000. The process, he added, would be managed much more quickly, under competition.