Topic
HMOs and insurance
Guides to paying for therapy with an HMO or health insurance in Nigeria: what plans cover, how to check yours and how to book sessions against it. They're for anyone with health cover through work or a private plan.
HMOs in Nigeria are regulated by the National Health Insurance Authority (NHIA), and mental health cover varies a lot from plan to plan. Where it exists, it's usually psychiatry appointments with a yearly limit, and some plans include a small number of therapy or counselling sessions a year. Waiting periods are common too. Don't assume your plan leaves therapy out: read your plan documents, call your HMO, or ask HR if your cover comes through work.
Start with how HMO therapy cover works, and read how to choose an HMO if you're picking a plan. If your employer pays, what your employer can and can't see answers the privacy question.
On Mytherapist.ng, a supported HMO is a payment option at checkout. You enter your enrollee ID, and we confirm your cover with the HMO before the session. Our supported HMOs page lists the schemes we bill directly, and you can ask for yours to be added.
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