CPB Certified Professional Biller Certification Practice Exam

What was the origin of the Blue Cross insurance plan?

1. Created by educators for healthcare access

2. Developed as a non-profit healthcare initiative

3. Initiated by a collaboration between doctors and hospitals

4. Formed from a partnership between Blue Cross and Blue Shield organizations

The correct answer is: Created by educators for healthcare access

The correct answer is that the Blue Cross insurance plan was developed as a non-profit healthcare initiative. The Blue Cross program emerged in the early 20th century as a means to provide hospital care for individuals who couldn't afford the rising costs of medical services. The philanthropic nature of the initiative was rooted in a desire to make healthcare more accessible to the general public, especially during a time when many people were unable to pay for medical care out of pocket. This non-profit model allowed the organization to focus on community health needs rather than profit generation, which was significant in the development of many health insurance programs that followed. Consequently, while educators and collaborations did play roles in the broader health insurance landscape, the essence of Blue Cross's origin lies in its foundation as a non-profit service to improve healthcare access.