Do you want the best HMO in Lagos state to handle your healthcare? If so, you need to check with Serene Healthcare. Serene Healthcare is the safest brand to handle your health maintenance. Our goal is to give you great healthcare with peace of mind.
Just read through the article to understand what we are and how we operate.
In Nigeria, an HMO is referred to as a “Health Maintenance Organization”. They are businesses whose main purpose is to manage the delivery of healthcare services via healthcare facilities (hospitals, medical doctors, health insurance, health maintenance equipment, etc.).
What Is An HMO?
A health maintenance organization (HMO) is a type of health insurance company that engages or contracts with a network of physicians or medical organizations to provide care at predetermined (and typically lower) prices to its clients.
HMOs are less expensive than other types of health insurance, but they restrict where you may go and who you can see.
How HMO In Lagos Work
A health maintenance organization (HMO) maintains a directory of healthcare facilities that provide services to its members (companies). The HMO sells its services to businesses that want to provide healthcare to their employees.
The firm pays the HMO premium once an agreement is struck (just like in insurance). The premium paid will entitle the company to healthcare coverage, subject to certain restrictions and within a certain time frame (usually one year).
For instance, if a company has ten employees, each of whom has ten immediate family members, the company will apply directly to an HMO to purchase insurance for the employees and their families. The Health Maintenance Organization will present the firm with either a plan or a set of options to choose from.
For example, assume a company desires a single plan for its employees and their families. If the HMO’s plan has a premium of N40,000 per person, the company will pay an agreed subsidized amount to the HMO for its ten employees.
An HMO in Lagos requires you to choose from a local network of participating doctors, hospitals, and other healthcare professionals and facilities. You must also select a primary care physician (PCP) from the network for these health insurance policies.
Your primary care physician (PCP) is your go-to medical professional. They get to know you and assist in the coordination of all of your medical needs. They will also need to refer you to specialists who are part of their network. As long as you stay in-network, the costs of an HMO plan copays and coinsurance are usually cheaper than those of other health plans.
HMO In Lagos Mode of Payment
Most of the best HMO Companies in Lagos State charge a monthly fee to provide health care to their members. Each doctor’s appointment will require a small co-payment.
Prepaid medical treatment is provided through HMOs, which means that HMO members pay a set monthly price regardless of the amount of medical care they require.
Premiums, or the amount you pay each month to be a part of the plan, are typically lower with HMOs than with other types of health insurance.
In some situations, HMOs pay doctors a set monthly fee for each patient they see. Unnecessary procedures are also eliminated with an HMO.
How To Select The Best HMO In Lagos State
When selecting whether or not to enroll in an HMO’s insurance plan, consider the cost of premiums, out-of-pocket payments, any specific medical needs you may have, and whether or not having your own primary care provider is important to you.
Advantages Of Health Maintenance Organization
The major advantage of HMOs is cost savings. You will pay a fixed monthly or annual premium that is less expensive than typical health insurance. These plans typically have low or no deductibles and cheaper co-pays than other plans. Your prescription’s out-of-pocket expenses will also be cheaper. Those with a Health Maintenance Organization also have it easier when it comes to billing.
There’s also a significant chance you will have to deal with the insurance company directly. This is because you must select a primary care physician to oversee your treatment and care. This specialist will also advocate on your behalf for assistance. This includes creating specialized service referrals for you.
An HMO’s care is often of higher quality. The rationale for this is that patients are encouraged to have annual physicals and seek treatment as soon as possible.
Disadvantages Of Health Maintenance Organization
When you pay for an HMO, you have limitations on how you can utilize the plan. You will need to choose a doctor to take care of all of your medical needs, including primary care and referrals.
This doctor, on the other hand, must be a member of the system. This implies you will be responsible for any fees paid if you go to a doctor who isn’t in the network, even if there isn’t one in your neighbourhood.
If you want your HMO to cover any specialist appointments, you’ll need references. So, if you need to see a rheumatologist or a dermatologist, you will need a reference from your primary care physician before you can see one and have the plan pay for your appointment. And if you don’t, you’re on the hook for the entire bill.
Certain medical claims, such as emergencies, have very stringent requirements that must be met. For example, what defines an emergency is usually defined very precisely. The HMO plan will not pay if your condition does not meet the standards.
The Best HMO In Lagos State
Serene Healthcare is the best HMO in Lagos State. Our services are top-notch and our plans are tailored to suit your budget.
Our Services Include
Health Insurance
When you can’t afford to pay for healthcare out of your own cash, we’re here for you. No one anticipates becoming ill or injured, but the majority of people will require medical attention at some point in their lives.
These fees are covered by our health insurance, which also comes with a slew of other perks. We cover medical and health-related expenses like routine care, emergency care, and chronic illness treatment.
Why sign up for our health insurance plan?
Health insurance safeguards you against unexpectedly expensive medical expenses. Even before you reach your deductible, you pay less for covered in-network health care, and you are entitled to free preventative care such as immunizations, screenings, and check-ups.
Book an appointment with us today!
Health Consultancy
We offer medical guidance to you, treating you as a whole rather than relying solely on symptoms.
Our expert team at Serene Healthcare will give you health guidance, advice, and tips and help you come to terms with your health issues.
Book an appointment today.
Supply Of Healthcare Equipment
We provide high-quality, low-cost healthcare equipment to help you update your medical facility or first-aid kit.
We also provide medical supplies and equipment to hospitals, clinics, pharmacies, and clinical laboratories. Some of these healthcare supplies include simple bandages, tongue depressors, and syringes up to complex diagnostic and other medical gadgets.
Book an appointment to get a supply today!
Our Health Plans Include
Being the best HMO in Lagos, we offer varying plans that are of the highest standard and also pocket-friendly. Below are our plans
- Serene Diamond
- Red Ruby
- Sapphire Blue
- Emerald Green
- General Plans
| SERENE DIAMOND | RED RUBY | SAPPHIRE BLUE | EMERALD GREEN |
| OUTPATIENT | GENERAL CONSULTANT | GENERAL CONSULTANT | GENERAL CONSULTANT |
| GENERAL CONSULTATION | SPECIALIST CONSULTATION (ENT SERVICES AVAILABLE) | SPECIALIST CONSULTATION (ENT SERVICES AVAILABLE) | SPECIALIST CONSULTATION (ENT SERVICES AVAILABLE) |
| SPECIALIST CONSULTATION | ROUTINE LABORATORY TESTS | ROUTINE LABORATORY TESTS | ROUTINE LABORATORY TESTS |
| ROUTINE LABORATORY TESTS | PRESCRIBED DRUGS AND INFUSION | PRESCRIBED DRUGS AND INFUSION | PRESCRIBED DRUGS AND INFUSION |
| PRESCRIBED DRUGS AND INFUSIONS | ADMISSION IN-PATIENT (72hours) | ADMISSION IN-PATIENT (72hours) | ADMISSION IN-PATIENT |
| ADMISSION IN-PATIENT (GENERAL WARD) | HOSPITAL ACCOMMODATION (SEMI-PRIVATE WARD) | HOSPITAL ACCOMMODATION (SEMI-PRIVATE WARD) | HOSPITAL ACCOMMODATION |
| HOSPITAL ACCOMMODATION (24 HOURS) | HOSPITAL ACCOMMODATION (SEMI-PRIVATE WARD) | GENERAL CASE REVIEW | GENERAL CASE REVIEW |
| GENERAL CASE REVIEW | GENERAL CASE REVIEW | SPECIALIST CASE REVIEW | SPECIALIST CASE REVIEW |
| SPECIALIST CASE REVIEW | SPECIALIST CASE REVIEW | NURSING CARE | NURSING CARE |
| NURSING CARE | NURSING CARE | ACCIDENTS & EMERGENCY 24 HOURS SERVICES (STABILIZATION) | ACCIDENTS & EMERGENCY 24 HOURS SERVICES (STABILIZATION) |
| ACCIDENTS & EMERGENCY 24 HOURS SERVICES (STABILIZATION) | ACCIDENTS & EMERGENCY 24 HOURS SERVICES (STABILIZATION) | LOCAL EVACUATION & STABILIZATION | LOCAL EVACUATION &STABILIZATION |
| AND MANY MORE… | AND MANY MORE PACKAGES | SO MANY OTHERS INCLUDING AMBULANCE RESCUE FACILITATION | EMERGENCY DRUGS & INVESTIGATIONS |
| APPLY FOR THE PLAN NOW | APPLY NOW! | APPLY FOR THIS PLAN | APPLY FOR THESE PACKAGES AND MORE! |
The general plans cover everything, ranging from outpatient and specialist consultation, in-patient care, laboratory diagnosis, physiotherapy, minor surgeries, etc.
What Is Health Insurance?
Health insurance is a sort of insurance that pays for medical costs incurred as a result of an illness. These charges could include hospitalization bills, pharmaceutical prices, or medical consultation fees.
As the best HMO in Lagos State, we are the best hands to handle your health insurance so you can relax and take care of other things in your life with peace of mind.
Other Types Of Health Insurance Aside From HMOs
Exclusive Provider Organizations (EPOs)
An EPO gives you the option of selecting from a pool of participating providers. Except in the case of an emergency, most EPO plans exclude coverage for out-of-network care. This means that if you visit a provider or facility outside of the plan’s local network, you will almost certainly be responsible for the entire cost of the services.
You may or may not be obliged to select a primary care physician, depending on the plan, but a referral from a primary care physician is not required to see a specialist in your network.
Point-Of-Service (POS) Plans.
HMO and PPO elements are combined in point-of-service plans. In comparison to a PPO plan, the provider network is often smaller, and the rates for in-network treatment are typically lower.
You must also select a primary care provider (PCP) from the plan’s network of doctors and other primary care providers if you have a POS plan. Your primary care physician (PCP) is your go-to person for care and guidance. They get to know you and your medical needs, and they can assist you in coordinating your care.
You must also obtain a referral if you need to see a specialist. You can choose to see specialists who are in-network or out-of-network, just like with a PPO. But if you go to a doctor who isn’t in the plan’s network, your expenses will be greater, and you’ll have to file any claims yourself.
Preferred Provider Organizations (PPOs)
PPOs usually features a vast network of participating providers, so you can choose from a wide range of doctors, hospitals, and other healthcare professionals and facilities. You can also go to providers that aren’t part of the plan’s network, but you’ll have to pay more out of pocket.
These health plans do not require you to choose a primary care provider (PCP), and you can see specialists without a referral.
Best HMO In Lagos State: FAQS
Below are answers to the frequently asked questions about the best HMO in Lagos
What Is The Difference Between HMO And PPO?
HMO stands for Health Maintenance Organization, and it is a type of insurance that limits patients to a network of doctors. PPO stands for Preferred Provider Organization, and it allows people to see any doctor they want, whether they are in or out of their network.
What Is An HMO And How Does It Work?
A health maintenance organization is a network or organization that charges a monthly or annual fee for health insurance coverage. A Health Maintenance Organization is a collection of medical insurance companies that agree to limit coverage to medical care supplied by doctors and other HMO-approved providers.
What Are The Different Types Of HMO?
HMOs are divided into four categories: group, individual practice association (IPA), network, and staff.
What Is An Example Of An HMO?
Serene Healthcare is a good example of an HMO. We are a healthcare organization founded to offer individualized healthcare to our clients that gives them peace of mind. We are driven to provide high-quality care and patient safety.
Is Serene Healthcare A PPO Or An HMO?
Serene Healthcare is an HMO. Our services include health insurance, health consultancy, and the supply of health care equipment.
Key Things To Know About The Best HMO In Lagos State
- HMO members pay a monthly or annual fee to gain access to medical services provided by the organization’s network of doctors, but they are limited to receiving care and services from doctors in the HMO’s network. Some out-of-network services, such as emergency care and dialysis, may, nevertheless, be covered by the Health Maintenance Organization.
- To be eligible for coverage under a Health Maintenance Organization, you may need to reside or work in the plan’s network area. If a subscriber requires emergency care while travelling outside of the HMO’s network territory, the HMO may cover the costs. Non-emergency, out-of-network care, on the other hand, must be paid for out of pocket by HMO members.
- An HMO often has low or no deductibles in conjunction with inexpensive premiums. Instead, for each clinical visit, test, or medication, the organization charges a co-pay. HMO co-pays are often minimal ($5, $10, or $20 per treatment), lowering out-of-pocket costs and making HMO plans more reasonable for families and businesses.
Final Words On The Best HMO In Lagos State
As the best HMO in Lagos State, our goal at Serene Healthcare is to see that your health, or that of your family or employees, is secured. This frees you from worrying about having the money to treat any health issue that may arise.
Once free from worry, you would have the peace of mind to focus your energy on other productive dealings.