What is the difference between NHIS and HMO?
Miss Serendipity
Posts: 17
in Education
The two acronyms "HMO" and "NHIS" are easily confused because they both refer to health insurance in Nigeria. However, there is a big difference between the two.
HMO stands for Health Maintenance Organizations while NHIS refers to the National Health Insurance Scheme.
HMOs are a big deal in Nigeria. In a country with a large population of people, it's no surprise that the health care system is under immense pressure.
The government has been working to improve access to health care, but there are still critical gaps in coverage. One way to close these gaps is through the use of HMOs.
HMOs are designed to provide comprehensive care for members. To be an HMO member, you must first select a primary care physician (PCP).
This doctor will serve as your point of contact for all of your medical needs. He or she will refer you to specialists when necessary.
Unlike other health plans, you cannot self-refer to specialists with an HMO. You must go through your PCP first and you may need to get prior approval from your HMO before you can receive certain treatments.
Overall, HMOs can be a great option for those who are looking for comprehensive coverage at a lower cost. You can find several quality HMO plans with very affordable premiums on the rohealth app.
The roHealth app offers a wide array of affordable HMO plans from top Health Insurance companies that cover individuals and families.
There are no locked-in contracts or paperwork plus you get to save up to 30% on your health insurance costs.
roHealth app is available to download from your mobile phone app store. You can also visit www.rohealth.ng to get started.
On the other hand, the National Health Insurance Scheme (NHIS) is a social health insurance scheme designed to cover all residents of Nigeria. The scheme provides access to quality healthcare for its members, as well as financial protection in case of illness or injury.
To be eligible for NHIS coverage, Nigerians must be employed and registered with the scheme. Employers are required to deduct a percentage of their employees' salaries to contribute toward the cost of NHIS coverage.
Employees can also choose to make voluntary contributions to the scheme. The NHIS covers a wide range of health services, including hospitalization, mental health, and primary care. It also covers maternity care, child health, and immunizations.
The scheme has been successful in reducing out-of-pocket expenditure on healthcare and providing financial protection against the cost of healthcare for enrolled Nigerians.
Both of these organizations provide coverage for medical expenses, but they do so in different ways.
The HMO is a private organization that contracts with specific hospitals and clinics. This means that if you are a member of an HMO, you will only be able to receive care at the facilities that have been contracted with your particular HMO.
The NHIS, on the other hand, is a government-run program that provides coverage for all citizens of Nigeria. This means that anyone can go to any approved health facility and receive treatment, regardless of which insurance company they are with.
In general, the HMO is more expensive than the NHIS, but it also provides more comprehensive coverage. The NHIS is less expensive, but it does not cover as many things as the HMO does.
Ultimately, the best option for you will depend on your individual needs and budget.
HMO stands for Health Maintenance Organizations while NHIS refers to the National Health Insurance Scheme.
HMOs are a big deal in Nigeria. In a country with a large population of people, it's no surprise that the health care system is under immense pressure.
The government has been working to improve access to health care, but there are still critical gaps in coverage. One way to close these gaps is through the use of HMOs.
HMOs are designed to provide comprehensive care for members. To be an HMO member, you must first select a primary care physician (PCP).
This doctor will serve as your point of contact for all of your medical needs. He or she will refer you to specialists when necessary.
Unlike other health plans, you cannot self-refer to specialists with an HMO. You must go through your PCP first and you may need to get prior approval from your HMO before you can receive certain treatments.
Overall, HMOs can be a great option for those who are looking for comprehensive coverage at a lower cost. You can find several quality HMO plans with very affordable premiums on the rohealth app.
The roHealth app offers a wide array of affordable HMO plans from top Health Insurance companies that cover individuals and families.
There are no locked-in contracts or paperwork plus you get to save up to 30% on your health insurance costs.
roHealth app is available to download from your mobile phone app store. You can also visit www.rohealth.ng to get started.
On the other hand, the National Health Insurance Scheme (NHIS) is a social health insurance scheme designed to cover all residents of Nigeria. The scheme provides access to quality healthcare for its members, as well as financial protection in case of illness or injury.
To be eligible for NHIS coverage, Nigerians must be employed and registered with the scheme. Employers are required to deduct a percentage of their employees' salaries to contribute toward the cost of NHIS coverage.
Employees can also choose to make voluntary contributions to the scheme. The NHIS covers a wide range of health services, including hospitalization, mental health, and primary care. It also covers maternity care, child health, and immunizations.
The scheme has been successful in reducing out-of-pocket expenditure on healthcare and providing financial protection against the cost of healthcare for enrolled Nigerians.
Both of these organizations provide coverage for medical expenses, but they do so in different ways.
The HMO is a private organization that contracts with specific hospitals and clinics. This means that if you are a member of an HMO, you will only be able to receive care at the facilities that have been contracted with your particular HMO.
The NHIS, on the other hand, is a government-run program that provides coverage for all citizens of Nigeria. This means that anyone can go to any approved health facility and receive treatment, regardless of which insurance company they are with.
In general, the HMO is more expensive than the NHIS, but it also provides more comprehensive coverage. The NHIS is less expensive, but it does not cover as many things as the HMO does.
Ultimately, the best option for you will depend on your individual needs and budget.
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