If you’re going to invest in a health plan, it should work hard for you, not just when you're sick, but for real-life moments, big or small. In Nigeria, where healthcare costs can surprise you at any moment, getting the most out of your HMO plan is more important than ever. A good health plan should actively support your well-being, protect your pocket, and help you plan better for life’s ups and downs.

If you already have HMO coverage or you’re just considering one, here’s how to make sure it’s doing the real work for you and your loved ones.

1. Match The Health Plan to What You Really Need

Plans are different, and picking the wrong one can cost you later. Think about your current stage. Are you planning to start a family? Dealing with a chronic condition like high blood pressure or diabetes? Or maybe you run a small business and just want your staff to stay healthy and focused? Whatever your story, your HMO plan should reflect it.

NEM Health provides a variety of plans designed for different life stages, so you get the most value from your coverage.

2. Use Hospitals and Pharmacies Near You

Your HMO comes with a care network, so don’t forget to use it. If you’re in Lagos, finding a hospital is easy. But what about when you travel to Owerri, Kano, or Abeokuta? NEM Health gives you access to over 2,000 hospitals and 2,500 pharmacies across Nigeria, so whether it’s a weekend trip or family visit, care is always nearby.

That means less stress when you need quick care, wherever you are.

3. Make Checkups a Habit, Not an Emergency

You don’t have to wait until you’re seriously ill before you go for a checkup. Simple screenings, like checking your blood pressure or sugar levels, can help you avoid bigger problems. NEM Health includes these in your plan. It’s easier, cheaper, and safer to stay ahead than to treat an emergency later.

4. Use the App, Skip the Hospital Queue

Make the most of digital care tools, skip the queues. These days, your phone can be your first line of access. NEM Health’s mobile and online tools allow you to book care, track your benefits, or even speak with a doctor from wherever you are. That's a real convenience, especially on your busiest days.

5. Your Support Team is There for You

Don’t let policy jargon or paperwork stand in your way. If something isn’t clear, ask. Don’t stay stuck when questions arise; our support team is ready to guide you through approvals, coverage queries, or claim steps, right when you need it.

The Real Value of an HMO?

It’s not just about emergencies, it’s about everyday health. A smart plan helps you stay on top of things, take better care of yourself, and protect your family without going broke. That peace of mind? It’s worth everything.

Ready to get the most out of your health plan?

Visit nem-health.com to explore plans that truly fit your life.