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Medicaid and MedicareMedical Insurances did not always exist until 1906 Askcom If you can just imagine life without insurance how would anyone in United States be able to pay for the expensive hospital bills Having health insurance is very important because it gives us confidence to live life without any worries Blue Cross and Blue Shield have worked with physicians and hospitals for more than 80 years to deliver the best quality of health to people Medicare started in 1906 specifically to give the best care for the elderly ages 65 years old and up In 1960 Medicaid was invented for poor people who do not have health insurances and cannot afford for expensive hospital bills In 1965 President London B Johnson signed both Medicare and Medicaid into a law For the field of Respiratory Care it is very important for a therapist to have a basic knowledge of the different kinds of insurances that a patient may have One of the duties for an RT to know is that they need to help decrease hospital costs at all times Meaning if the RT decides to discontinue Respiratory Therapy for a patient who is alert with vital signs normal it should definitely be discontinued to reduce the hospital cost Medicaid was designed specifically for families with low income and few resources who cannot afford health care The program is mainly handled by the federal government but each state manages their own Medicaid program by creating their own eligibility standards regulating the type amount duration and scope of services and setting the rate for payment services medicalnewstodaycom If the state follows the Medicaid rules the federal government helps pay 50-83 of the states Medicaid expenses also called Federal Medical Assistance Percentage FMAP Medicaid Services required for all states must cover inpatient and outpatient hospital care physician services laboratory and x-ray services family planning services health center and rural health clinic services nurse midwife and nurse
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