Modalities for the implementation of NHIA act.

The recent push by state governments notably Lagos State to force implementation and domestication of the NHIA act signed into law by President Buhari last year is gping against the grain of foundations of Managed care and free enterprise.

Managed care rests on the provision of access to healthcare through a network of providers to a defined population with each scheme's income and expenditure being handled.by a health insurer. The success of each venture is predicated on the proper management of costs by the insurer who weighs cost of attendant risks to health viz income from premium..

At the start of the industry in Nigeria, the emphasis was more on the insurance aspects of health insurance with many not.exopecting to raise claims or incure costs. As such MLR, the ratio of claims to premium was low usually in the range of 20%.

With greater awareness of.rights and priviledge, NOT for some private HMO plans is as high as 90% making margins as low as 10%. This margin must necessarily cater for salaries, overheads and corporate growth.

This.margin is what the State agencies now want to eat into. The percentage share of State statutory scheme at least for Lagos has been pegged at 13% according to some sources..

If in its more than 5 years of existence the State Ilera Eko has only been able to enrol 800,000 lives from a State with a population of 20 million, it shows the quality of marketing and sales.skills in use by Ilera Eko. Tapping into these abundant skills in Private HMOs shouldn't come with a price tag of.13%.share. This would be tantamount to going to the market to buy food and asking the seller to pay herself for your purchase.

The essence of free enterprise is competition that modulates pricing and rewards presentation of superior value.

State schemes have a history of bureaucracy and undifferentiated service which the high net worth individuals are willing to pay extra for. They would be best served by private HMOs

The best way to approach domestication of NHIA in states would be to fix a fee of say N3,000, like.a.sales.tax on all plans. The base plans being sold by many HMOs has a premium of N30,000, whuch would.make the Sales tac 10% of premium. Higher plans would then have a lower % as Sales tax.

With attendant inflation and increased cost of.Medicak services, many HMOs would be forced to discontinue base plans as it becomes unprofitable by operation. Needless to say, these base plans are the favourite choice for majority of enrollees.

For each enterprise to succeed, each must concentrate on segments of the market most benefited by their offers. Social Security and Social Health Insurance should concentrate on providing a safety net for the indigent and tbose in.need of tertiary care. Private enterprise should drive attainment of right pricing of health services for the enlightened and those in Private and Self employment where premiums.can be obtained from.a single source., by means of or without deductions from individual.accounts.

There is more to say, but i would like to stop here now. Comments are welcome.

#health insurance # Ilera Eko #NHIA
[/b]
Gbenga
08178362213[b]

Good evening all. Quite some time. Apologies for paucity of posts. I have an important one here. A discussion with Exec Director of HMO 004 - HCI Healthcare Ltd.

https://healthinsurancetoday.ng/2023/02/07/hci-passion-for-lifelong-relationship-with-clients/

In this highly engaging discourse, tou will see why you should choose HCI as preferred HMO for corporate, retail and affijinity segments of the National market.

Enjoy your read.

[/b]Gbenga Adelanwa
HCI Healthcare Ltd.
08178362213[b]

Good morning Nairalanders.

We begin our comtemplatuon today on the how tos of getting compliance to the new Health Insurance act signed by President Buhari

How tos
1. Get publicity around Federal Government Ministers signing themselves and staff on NHIS and the making use of it and ways in whuch ut saves money.
2. Get State Goverments to collaborate and grant cross border access to health delivered to non state indigenes visiting their states and from states having health insurance bod8es in place. Ghos will.allow fjr National access
3. Mandate states wihhout health schemes to immediately start one.
4. Treat state schems as PPP schemes as only private enterprise can drive HMO adoption as speeds we need to get Universal coverage.
5.Make it afashion with Nollywood and other celebrities showcasing their health cards and touting ots benefits.
6. The vast.majority of city and t8wn dwellers watch television or listen to radio. All residents of city, town and also rural dwellers travelling the expeessways would also see billboards or vehicular ada. All.methods of mass media can be employed to generate momentum.

More on this later.

Gbenga
08178362213
HMO 004

Good evening Nairalanders.

Feb 24, 2021 was the last time I posted.

I commit to resuming informing, entertaining and encouraging others in the adoption of Health Insurance plans and policies.

Please stay tuned and go through the previous posts as they are instructive.

Do enjoy the rest of the night and stay healthy.

[/b]Gbenga
HCI Healthcare HMO 004
Telesales.
08178362213.[b]

Good evening.

Attached are photos of sample of our pure refined PKO.

Same price N650 / litre ex-factory in Lagos.

Discounts for large orders.

[/b]Gbenga
08178262213, 08033770019[b]

Good evening.

Update on pricing for refined PKO

N650/litre ex Lagos

Minimum order : 2,000 litres

Akinwunmi
08178362213

Update on price of refined PKO.

Refined PKO @ N730,000/tonne.

Minimum supply: 5 tonnes.

Good afternoon nairalanders.

Quite some time since I last posted. We are now well away into the new year (February 24) and also the new decade.

We have looked at objections people give against buying Health Insurance. We will now look at reasons adduced by those who buy.

We will see that common threads run through their reasons.

Please talk to me if you want a reliable Health partner.

Gbenga
HCI Healthcare HMO
WhatsApp / Call 08178362213

So sorry. Above post meant for my page - Value of Health insurance.

Good afternoon nairalanders.

Quite some time since I last posted. We are now well away into the new year (February 24) and also the new decade.

We have looked at objections people give against buying Health Insurance. We will now look at reasons adduced by those who buy.

We will see that common threads run through their reasons.

Please talk to me if you want a reliable Health partner.

Gbenga
HCI Healthcare HMO
WhatsApp / Call 08178362213

Update

Refined PKO for sale at N710,000/tonne ex Lagos.

Call or WhatsApp 08178362213 Gbenga.

Update

January consignment, 33 tonne SPO Sold at N550,000 per tonne ex Benin.

For enquiries on February consignment, pls WhatsApp me on 08178362213 on February 1st.

Doing Palm Oil business. Is good investment .Do business with us and you will surely appreciate.

Update

10 tonne SPO Sold.

30 tonne CPKO Available.

Kernels for production of CPKO Required in large quantities.

WhatsApp/Call:.08178362213

Good evening.

Special offer:

10 tonnes SPO available ex Benin

Call for details.

WhatsApp/Call: 08178362213.

If your need is SPO, PO or PKO, please call on me for fulfillment.

CPKO available ex Benin at N565k/t.
5% FFA

WhatsApp: 08178362213

Pedigree Agric Ventures

For all your PO/PKO value chain needs,, please give me a shout out and needs will be met promptly.

For 5% FFA CPKO ex Benin @ N565k/t, please WhatsApp me at 08178362213.

Akinwunmi Adelanwa
Pedigree Agric Ventures.

Price update.

Expect an increase in price before the end of the year. Save big by purchasing at least 30 tonnes at N565k/t.

Higher purchase quantities attract additional discounts.

I am expecting your emails or WhatsApp messages.

Gbenga
08178362213.

For the large buyer with intent, a reasonable discount an be given.

For 30 tonne and above purchase, get N5,000 off price per tonne.

Get your high quality PKO ex factory now!

Whatsapps me on 08178362213.

Enjoy your day.

Ukprosper:


You can find almost all insurance companies in Nigeriar here https://www.knowseeker.com/2020/09/complete-list-of-insurance-companies-in.html

Thanks for the positive review.

Price update.

5% FFA PKO. EX Benin @ N570k/t.

Hurry

WhatsApp 08178362213.

Pedigree Agric. Ventures.

Hi all,

I can supply 5% FFA PKO ex Benin at a very affordable price far less than N600k/t.

Whatsapp me on 08178362213.

Pedigree Konsult.

Good evening.

Went for an on boarding exercise today with members of our Retention Team. A new company that has just been signed on in Ikorodu was given an orientation on how HMO schemes run and particularly how HCI Healthcare (HMO 004) runs its own scheme.

I was pleasantly surprised that there was a general awareness about the benefits of Health Insurance even for seemingly low income workers such as Security Guards. I wondered that if they were aware of and appreciated Health Insurance benefits and even bought in, why other middle and high income earners would be indifferent to purchasing plans for the benefit of themselves and family members.

We still have a few organisations content on retaining services of Hospitals to render basic care for their workers. It doesn't take much to cater for most of the needs of an employee, if with N30,000, you can buy a simple plan that will give benefits of primary, secondary and tertiary healthcare inclusive of optical and dental and physiotherapy care.

I would encourage that you get involved by making enquiries and taking steps to getting a plan for yourself and loved ones.

Take the first step by reaching me on Number stated below to get details of how you can get started.



Gbenga
HCI Healthcare Ltd. 08178362213

Williboss:
I think that a health plan by a National HMO will ease any worries in that direction. Most HMO’s although headquartered in a city will have branches and agencies all through the length and breadth of the country. This gives you the ability to make use of Hospitals in case of emergencies in any major town or city Nationwide. Is therapy covered by insurance? I want to buy one because it is more comfortable and in this way you save a lot of money.

Good afternoon Williboss. I apologise for the delay in responding to your post.

Our HMO, HCI Healthcare is a National HMO and has 15 branches spread through the 6 Geopolitical regions of Nigeria.

Your plan to buy a health Plan is a good one and as to your enquiry on provision for therapy, i assume you mean Physiotherapy. Physiotherapy sessions are covered to varying degrees by our plans should you require it. For example our most basic plan, the TItanium Compact allows for 6 sessions in a year.

Contact me directly to purchase a plan.

I noticed from your profile that you stay in London. Are you purchasing for self or family?

Gbenga
+2348178362213
HCI Healthcare HMO
www.hcihealthcare.ng

Good afternoon all.

Quite some time since i last posted. Been busy with Business Reporting and Daily activities.

I would like to commend the efforts of the national Task Force set up by President Buhari, ably led by SFG Boss Mustapha at curbing the COVID 19 pandemic. Their efforts have largely been successful considering our population size and city densities. Our death count compared to South Africa with lesser National Statistics is quite low and shows the resilience of our Health Authorities and the system. Mandated mask wear and social distancing rules which were kept by many also aided the process.

We would however do well to keep up the basics of care till mid next year when Vaccines would have become available and treatment outcomes even better. We would need the Task Force on Standby with weekly updates from January till June 2021

Critical to well being is the level of assurance and comfort provided by an Health Insurance plan and for those still skeptical, Health Insurance works. We, the vast majority of HMOs do our best to satisfy all needs of our clients and pay all claims and bills when they become due.

I would encourage that you provide for the most Basic services by buying a Health Insurance plan today. If you are cautious, you can buy the Titanium Compact plan sold by HCI Healthcare for N30,000 per enrollee per year. Discounted premiums are also available for corporate organisations with staff strength more than 20.

Buy an HMO plan today and continue your journey to better health with greater assurance

Enjoy the rest of your day!!



Gbenga
08178362213
HCI Healthcare HMO

Good evening.

Hope you have been keeping safe in this era of Covid 19.

The pandemic has exposed the weaknesses of our Health System. Some Doctors have turned their backs to the plight of the sick and dying. They have closed shop and shown that they only have face value allegiance to the Hippocratic Oath.

What is the role of HMOs handling Health Insurance in this era?

1. Maintain Health Insurance cover of clients

2. Ensure 24/7 access to care through adequate Health Insurance plans especially in emergencies

3. Encourage their Providers to ensure Safety and Hygiene of non Covid 19 clients visiting their facilities

4. Ensure that HMO Clients are kept informed of developments concerning Covid 19 and preventive measures

5. Ensure that HMO clients infected with Covid 19 are closely followed up till recovery

6. Support the Government in sensitizing their clients through joint efforts by HMCAN, the umbrella body.

HCI Healthcare, the HMO I represent can be relied upon to keep to all these responsibilities and as such can be relied upon to always provide cover.

The current crisis demands that collective effort be geared towards fighting this pandemic while each and every person abides by new responsibilities brought about by the Virus.

Have a great night.

Gbenga Adelanwa
08178362213, 08033770019

Please check profile on Twitter @agadelanwa.

kiuninaija:
Increasing enrollment under Universal Health Coverage in Nigeria

This article is a reaction to comments made by Prof. Babalola, The President of the Guild of Medical Directors Nigeria on Sunday 12th April, 2020 on TV, that the best way to increase coverage into the various health schemes in Nigeria would be to harness database (records) of private healthcare institutions clients.

The current enrollment rate of 3% of population would imply a figure of about 6 million enrollees, This amount can be corroborated by HMCAN ( HMO association ) as they coordinate management of NHIS, state and private health schemes. This leaves the vast majority without basic protection if they are cash strapped when health crisis strikes.

Prior to the launch of NHIS on 5 June 2005, the bulk of hospital clients visited primary, secondary and tertiary healthcare providers mostly when initial attempts at managing health issues fail to work. As such, there was a large dormant proportion of people on the database of hospitals who never attended or presented in a whole year.

HMOs canvassed organisations and associations and Governments earnestly, and they were able to ramp up a good number of dormant accounts. However the number is just a fraction of total number of people who would as first course or ever at all seek help from Western medical practice.

Most medical practices would agree that there exist on their records approximately 4/5 of their clients who have not attended in a year. This category should be the focus of the next effort at an exponential growth in coverage in Nigeria.

The following steps can be taken

1. Secure the cooperation of Medical Directors to collate database of all dormant clients not under any health scheme providing details such as individual or Family names, phone numbers and Emails.
2. Hold video presentations to be run by HMOs supplemented by their materials and representatives, funded by HMOs at event or public centres in the vicinity of these hospitals.
3. Carry out massive enrollments.
4. Encourage the capitation system that assures that a base fund will be generated for participating providers from the pool of funds made available
5. Encourage installment payments no smaller than quarterly.
6. Each hospital to harness the available presence of CDA’s, Residents associations, informal sector associations such as Taxi Drivers and Market women,
7. Hospitals should be segregated on basis of GPs on duty or call, Specialists visiting or resident, Medical Equipment available, Bed Spaces and Lab facilities available.

This is a win-win situation for the Guild of Medical Directors as they will

1. Increase income from dormant segment of their clientele.
2. Increase client attendances from that segment
3. Provide a base projected income that will allow for planning of resources- human and otherwise.

On the part of HMO’s, we will be glad to have access to that database and am sure that all participating HMO’s would do all in their power to increase the number of their enrollees.

Nairaland Medical Practitioners can get their Directors involved in this push and I would be glad to receive enquiries on how the process can be facilitated until it becomes a success.


Stay Safe. Stay free from COVID-19 Stay at home Stay active.

Still related to post above, I would be grateful for links through Nairalanders who are Pharmacists, Nurses, Doctors or Lab Scientists to their Medical Directors to work on their client records to convert their dormant clients into a stream of income.

All it needs is the proven quality of care available at their facility and adequate Marketing skill to convince the wary clients to take better care of their health. Al this at minimal cost.

Gbenga
08178362213, 08033770019
pedikonsult123@gmail.com

Increasing enrollment under Universal Health Coverage in Nigeria

This article is a reaction to comments made by Prof. Babalola, The President of the Guild of Medical Directors Nigeria on Sunday 12th April, 2020 on TV, that the best way to increase coverage into the various health schemes in Nigeria would be to harness database (records) of private healthcare institutions clients.

The current enrollment rate of 3% of population would imply a figure of about 6 million enrollees, This amount can be corroborated by HMCAN ( HMO association ) as they coordinate management of NHIS, state and private health schemes. This leaves the vast majority without basic protection if they are cash strapped when health crisis strikes.

Prior to the launch of NHIS on 5 June 2005, the bulk of hospital clients visited primary, secondary and tertiary healthcare providers mostly when initial attempts at managing health issues fail to work. As such, there was a large dormant proportion of people on the database of hospitals who never attended or presented in a whole year.

HMOs canvassed organisations and associations and Governments earnestly, and they were able to ramp up a good number of dormant accounts. However the number is just a fraction of total number of people who would as first course or ever at all seek help from Western medical practice.

Most medical practices would agree that there exist on their records approximately 4/5 of their clients who have not attended in a year. This category should be the focus of the next effort at an exponential growth in coverage in Nigeria.

The following steps can be taken

1. Secure the cooperation of Medical Directors to collate database of all dormant clients not under any health scheme providing details such as individual or Family names, phone numbers and Emails.
2. Hold video presentations to be run by HMOs supplemented by their materials and representatives, funded by HMOs at event or public centres in the vicinity of these hospitals.
3. Carry out massive enrollments.
4. Encourage the capitation system that assures that a base fund will be generated for participating providers from the pool of funds made available
5. Encourage installment payments no smaller than quarterly.
6. Each hospital to harness the available presence of CDA’s, Residents associations, informal sector associations such as Taxi Drivers and Market women,
7. Hospitals should be segregated on basis of GPs on duty or call, Specialists visiting or resident, Medical Equipment available, Bed Spaces and Lab facilities available.

This is a win-win situation for the Guild of Medical Directors as they will

1. Increase income from dormant segment of their clientele.
2. Increase client attendances from that segment
3. Provide a base projected income that will allow for planning of resources- human and otherwise.

On the part of HMO’s, we will be glad to have access to that database and am sure that all participating HMO’s would do all in their power to increase the number of their enrollees.

Nairaland Medical Practitioners can get their Directors involved in this push and I would be glad to receive enquiries on how the process can be facilitated until it becomes a success.


Stay Safe. Stay free from COVID-19 Stay at home Stay active.

Hi Nairalanders,

Great to reach you once again through this medium. Hope that 2020 has proved to be a great year thus far. Now that the whole world is in holiday mode albeit with underlying dangers lurking, it's obvious that everyone is getting to take better care of their health e.g.. by staying at home or learning more about how they can.

I hope to be able to take a break from my holiday to make up for lost time in getting you up to speed about how Health Insurance, especially as delivered by HMO's can alleviate your concerns about getting access to prompt, effective and efficient healthcare.

So here goes:

Stay connected, share this topic and stay safe.

Dear Nairalanders,

Good pm.

We are getting close to the end of another year.

This year hss been quite eventful and for me a blessing in that my posts have started to yield real engagements.

Readers of my posts have responded albeit privately with one purchasing a family plan for N100,000. Its not the monetary value but the impact that gladdens my heart.

I will invite him to testify soon of benefits of engsgement.

Please copy link to the posts and share with friends to increase readership.

Do have an enjoyable time planning for next year as we go to the tale end of this year.


Do you have a health plan running?

HMO 004 HCI Healthcare is your best choice

Do enjoy the rest of your day.

Gbenga
08178362213, 08033770019
pedikonsult123@gmail.com

dear nairalanders,

Hope my posts have been useful in making up your minds about purchasing Health plans and enrolling with HMO 004, HCI Healthcare #HCI#, and also enlightening you about value and benefits of Health Insurance cover.

Please tune in to Safety Train on Lagos Traffic Radio 96.1 FM every Tuesday at 4.30 pm to learn more about health issues and efforts by HCI Healthcare to provide Health Insurance to as wide a variety of Nigerians as possible.

Also visit and like our page .https://web.facebook.com/HealthcareintlHMO/?_rdc=1&_rdr

Please feel free to reach me once your mind is made up about purchasing Health Insurance from HMO 004.

Remain Healthy.

Gbenga
08178362213, 08033770019.
pedikonsult123@gmail.com

I believe in Natural / Traditional Medicine

This objection is usually raised by those who either have an aversion to scientific procedures / methods or believe strongly that there are lapses in the efficacy of Modern medicine.

As we all know, all Medicine is Modern / scientific / Synthesized or Natural / Traditional. Medicines are those Chemical products that exist naturally or are synthesized / processed with the aim of being used to resolve health issues.

The Scientific Method of enquiry governs the production of Modern Medicines and care is taken to test and discover effects or side effects of these drugs on intended users. As metabolism of intended users sometimes differs, it is necessary to test all alternatives. This critical factor of non regulation is the bane of Traditional or Natural Medicine. As such success stories touted by natural Medicine practitioners may not necessarily be duplicated in other users.

Most traditional medicines thrive on belief in Traditional Religious practices and faith in its efficacy. Since this does not lend itself to the scientific process, Traditional medicines may be outside the purview of Doctors trained in Modern Medicine.

The bedrock of Health Insurance is reliance on the professional expertise of modern trained medical practitioners; as such traditional medicines are not included in the means available for application to those covered by Health Insurance plans. Also Natural / Traditional medicines do not lend their use to coverage by Health Insurance or other forms of insurance aimed at mitigating risks as risks cannot be accurately determined.

It is easy to discountenance failures in treatment using Traditional medicines as records are usually not available, while for modern medicines, records are kept and regularly referred to in order to improve on efficacy through new dosages or combinations.
As it is unwise to mix utilising both forms of Medicines, it will be necessary to suspend use of natural medicines for those who wish to be covered by Health Insurance. Both means of treatment have advantages and disadvantages and as such, under the supervision of a qualified and competent medical practitioner, Modern medicines have a great chance of providing relief.

In cases where either has failed, the general public is at liberty to rely on the alternative, but for those wishing to be protected by a Health cover, recourse must always be to Modern Medicine.

Join the league of those covered by Health Plans provided by HMO 004.

Gbenga (08178362213, 08033770019)
HCI Healthcare Nigeria Ltd. (Healthcare International) HMO 004