Friday, September 10

What makes a good HMO plan in Nigeria?

An HMO (Health Maintenance Organization) is a company which offers health insurance plans and in conjunction with a network of healthcare providers gives you access to healthcare services.

There are now many HMOs in Nigeria, but making the right choice is important. It is necessary to understand your options so you can make an informed choice.

Here are a few questions to ask when choosing a healthcare plan:

  • Does the health plan cover what is important to you? For instance, if you have young children whose health you prioritize, you want to be sure that the plan you are buying cover paediatric health care.
  • Does it have the doctors and hospitals you want or need? Just as it is important to know what is covered under the plan, you also need to know if the hospital network is wide enough and contains good hospitals and other health facilities such as laboratories that you can use.
  • Does it provide other health benefits? Beyond going to the hospital when you are ill, you also want an HMO that can provide you additional benefits such as health tips, emergency services, great experience and loyalty benefits.
  • How accessible is the company? You need a company that is ready to support and that you can easily reach out to when you need their help. A company who can help you book hospital appointments and always provides digital assistance.

Your HMO plan should enable you to:

  • Choose a primary hospital while also allowing you to roam different hospitals according to your medical needs.
  • Access specialists and specialist healthcare facilities according to your needs.
  • Access to good hospitals, laboratories, gyms, and medical consultants that can provide the best care for you.
  • Access female-related care, access to obstetrician/gynaecologist for routine services such as Pap smear tests, obstetric care, ante-natal and post-natal care.

Choosing a healthcare plan should be easy and straightforward, click here to review different healthcare plans and choose which one is better for you & your loved ones.