Introduction to the book on HMO awareness campaign

Introduction on the book:

Health Insurance-HMO & NHIS -How to Benefit and Afford it

Health insurance remains the most effective way to provide access to quality health care for everyone in Nigeria. It is only through health insurance that Nigerians could have access to health services beyond what they could ordinarily afford.

Sincerely, the only and the best way to approach our health issues is the health insurance concept. People don’t keep money daily for health care and if there is anything that won’t tell you it is going to happen to you, it is sickness and death. Therefore Nigerians need to pay attention to health insurance.

HMOs are innovative and they have package products for every sector of the nation’s economy therefore the scheme can cover every member of the society.

This book is to reach out to majority of Nigerians that work outside the formal sector and most of those in the formal sector who work in small organizations and individuals and their families.

This book is also to support the Plans of Health Insurance Scheme for All By 2015

HMO is a desirable private and social good. At the individual level, it guarantees access to healthcare without the debilitating burden on the poor. Even the wealthy are in danger of not having immediate access to cash in moments of emergency. For the country, it is a creative and cheap way of improving the health indicators of citizens, improving national productivity, and increasing growth and human development.

The first wealth of a nation is the health of her citizens. No where does this globally accepted fact make more sense than in developing countries like Nigeria. The health of a nation significantly enhances its economic development, and vice-versa.

Out of pocket-OOP expenditure as a percentage of private expenditure on health in Nigeria stands at an unbelievable 95.4% (according to 2012 WHO figures). What this means is that when you are sick here, you have to pray to God to have the money at that moment to pay and if you don’t, if you are broke, if salaries are delayed, if you are unemployed, if the ailment costs more than your pockets can carry, you die. Simple, Sad. God forbids.

One very important strategy of HMO is to assist people in staying healthy, recognize an illness early and treat a patient's illness quickly and correctly and at the same time, saving costs

THE BENEFITS OF HEALTH INSURANCE FAR OUTWEIGH THE COST

When it comes to securing your wellbeing, the benefits of health insurance far outweigh the costs. 

Health insurance is often something that we neglect until we really need it. Only then do we wish we had paid better attention to it. We think we are healthy and that over-the-counter medication will be good enough. We look at the short-term benefits, in terms of the immediate cost saving, rather than the long-term implications of not having health insurance

Many people without health insurance think twice before visiting their doctor when they feel ill. They know that a doctor's visit is expensive without healthcare cover and only seek emergency care, which means that injuries or illnesses are only medically treated when the condition becomes critical. This can be a much more costly exercise than a monthly health insurance investment, and may not provide you and your family with the best care.

Contributing through your employer, or individual to a health insurance group scheme saves you money in the long term because you will be covered for unexpected illnesses and expensive surgical procedures

Early detection of critical and chronic illnesses means quick treatment and a better recovery or management of the condition. If you deny yourself that "luxury" due to expense, you put yourself at risk of not finding out about health problems early enough to treat them properly.

WHAT DOES HMO OFFER YOU AND HOW DOES IT WORK?

Hmo gives you access to high quality private health care, regular medical check-ups for early detection and treatment of more serious diseases, and emergency care when you need it most. Hmo through your employer or as an individual saves you money in the long run, and covers unexpected events providing you and your family with the best health care money can buy.

This means, as an individual, your health care is a case of swings and roundabouts: sometimes you may be ill and claim a lot; at other times you won't.
The benefits of pooling the risk and cost of health care means that good treatment and expensive procedures are affordable for individuals in the group. You will be able to budget for a predictable amount each month to ensure access to critical care when you need it. Without this benefit, you could end up with a huge bill that could financially cripple you, or worse put your life at risk.

Saving you money and covering emergency medical expenses are just two of the benefits of having health insurance. Other benefits include the peace of mind of knowing that you will be covered when you need it most, and knowing that you will get immediate high quality treatment

A healthy worker is a happy worker. With health insurance you stand a better chance of living a healthy, well-balanced life without the concerns associated with extreme health care costs.

Health insurance: The simply ability to get health services when required without having to pay fully at the time of need either because payment has previously been made by regular contributions by the insured or his/her employer or both.

Health Insurance bestows absolute peace and asset in case of most traumatic moments of one's life. Health Insurance is an extremely helpful part of our life. Health insurance companies have Plans that will benefit you at a minimal cost.

THE AIMS OF HMO

The aims of HMO are to protect your costs of medical expenses as well as promote your wellness and health. The Health Insurance is actually the fuel that allows the economies engine of any country to keep running.

The difficulty of paying out of pockets put most Nigerians in a great deal of financial risk and restricts them from having direct access to health care when they need it. Majority are even forced to sell their assets or go into debt in order to pay for health care costs.

Awareness campaign plays the role of aiding image creation, boosting corporation, credibility, perceived reliability, financial stability, and convey the notion that standards of care are to subscribers’ (or enrollees’) satisfaction in clinical and personal services

The aim of the book is to advance HMO as a panacea for enhanced health care delivery in Nigeria

The objectives of HMO campaign are to ;

•  Ensure that every Nigeria has access to good health care services
•  Protect families from the financial hardship of huge medical bills
•  Limit the rise in the cost of health care services
•  Ensure equitable distribution of health care costs among different income groups
•  Ensure efficiency in health care services
•  Improve and harness private sector participation in the prevision of health care facilities
•  Ensure appropriate patronage of all levels of health care and
•  Ensure the availability of funds to the health sector for improved services.

Health insurance companies have Plans that will benefit you at a minimal cost.

The aims of HMO are to protect your costs of medical expenses as well as promote your wellness and health. The Health Insurance is actually the fuel that allows the economies engine of any country to keep running.

The Health Insurance goal is to make it, so that you don't pay an extreme amount or a higher cost of medical care, whenever you get sick or injured it covered or indemnified.

Remember, human life can never be without a risk. The best way to deal with risks is to get insure. Buy protection, if not for yourself but your family. 

Give this book to libraries of schools and make extra income, details @ www.naijatowns.com/fb

This book is for the families,