Meaning of HMO

Common Health Insurance-HMO Terms

Majority of Nigerians are new to the whole idea of having health insurance, the plans and their coverage, the terminologies used in the health insurance space and a bunch of other aspects of the field that seems confusing to our enrollees and the general public.

This is relatively because of the unfamiliar terms used in the industry, this article explains some of these terms in simpler words.

Health Insurance plans vary in a number of ways from which hospitals you can go to, what healthcare services you are covered for and how much you’r

Dentist care HMO

7 simple steps to whitening your teeth at home

There are different factors that can cause the teeth to look dull and lose their white bright shine.

The outermost layer of your teeth, the enamel, can get stained. Plaque buildup on your teeth can cause them to look yellow, this can usually be treated with regular cleanup and whitening remedies.

However, when the hard enamel has eroded away, it can sometimes cause the teeth to turn yellow, revealing the dentin underneath. Dentin is a naturally yellow, bony tissue that lies underneath the enamel.

Here are 7 simple ways you can naturally whiten your teeth from the comfort of your home


  • Brush with baking soda


Baking soda contains some natural whitening properties, which is the reason its used in the making of most toothpastes. It's a mild abrasive that can help scrub away surface stains on teeth. This is not a remedy that will whiten your teeth overnight, but you will notice some changes in the color of your teeth overtime.

  1. Use hydrogen peroxide

             Hydrogen peroxide is a natural bleaching agent, it also kills bacteria in the mouth. As a     

matter of fact it has been used has a disinfectant to clean wounds because of its ability to kill bacteria.  You can use hydrogen peroxide by mixing it with baking soda to make a toothpaste. Combine 2 teaspoons of hydrogen peroxide with 1 teaspoon of baking soda and gently brush your teeth with the mixture.

The use of this homemade remedy should be used only a few times per week, as overuse can erode your tooth enamel.

  1. Apple cider vinegar

Apple cider vinegar has antibacterial properties that may help whiten your teeth. Acetic acid, the main active ingredient in apple cider vinegar, potently kills bacteria. The antibacterial property of vinegar is what makes it able to clean the mouth. However, overuse of vinegar can also erode the enamel on your teeth, so limit its use to a few times per week.

  1.  Make use of fruits and vegetables

A rich diet in fruits and vegetables are vital for fueling your body and your teeth.
While they're no replacement for your toothbrush, crunchy, raw fruits and vegetables can help rub plaque away as you chew.

Pr, strawberries and pineapple are two fruits that have been claimed to help whiten your teeth. A study found that an enzyme found in pineapples, bromelain was significantly more effective at removing tooth stains than a standard toothpaste.

  1. Preventing tooth stains before they happen

A healthy diet containing enough calcium can help prevent your teeth from becoming yellow. Brushing your teeth soon after you eat can also help prevent stains, but not immediately, wait like 30 minutes before brushing your teeth. Avoid teeth staining beverages and foods, drink out of a straw to limit the chances of these foods staining your teeth. Also, avoid smoking and chewing tobacco, both of which are agents of tooth discoloration.

  1. Oil pulling

This practice involves swishing oil around in your mouth to remove bacteria, which can turn into plaque and make your teeth discolored. Coconut oil is a popular choice  because it offers many health benefits, smells and tastes good. Streptococcus mutans is one of the primary types of bacteria that cause plaque and gingivitis in the mouth. A controlled study found that daily swishing with coconut oil significantly reduced Streptococcus mutans in saliva in a week.

  1. Never underrate the value of brushing and flossing

Regular brushing and flossing, along with routine visits to the dentist’s office, prevent the build-up of yellowing plaque on your teeth. While some tooth discoloration comes naturally with age, it is largely a result of plaque build-up.

Regular brushing and flossing can help your teeth stay white by significantly decreases the mass of bacteria in your mouth and preventing a plaque buildup.

What you should know about HIV

10 Things You Need To Know About HIV

When HIV and AIDS come to mind gory details of death and wasting come to mind but the reality is that millions of people around the world are living healthily and happily with HIV even with its awful ability to bring detriment to the immune system, HIV isn’t as volatile as you have wrongfully perceived.

Enlightening yourself about HIV is a  key factor if you’re HIV-positive or just generally trying to avoid the infection. While modern therapies and technologies have made it far simpler to manage the disease truth be told, it takes more than just pills to really manage the infection. This article reveals the 10 things you can do today to ensure you remain well, peaceful and effective for many years to come, whether you are HIV-positive or not.


  • Begin by getting familiar with the symptoms and signs
    Apprehending the symptoms and signs of HIV allows to take charge of the diseases, actively getting rid of these infections well  before they even occur. It's important to note, however, that there are often no symptoms at the onset of HIV infection, and that when symptoms finally do appear, it's often after the virus has caused irreparable damage to a person’s immune system. The fear and misconceptions about the virus often prevent people from seeking the therapy they need, ignoring the early signs of the virus until they eventually subside.

  1. Treating HIV on diagnoses increases life expectancy
    Treatment on diagnosis not only fuels a greater likelihood of a normal    life expectancy, it also reduces the risk of illness by more than 60% irrespective of an individual’s demographics.  On Sept. 30, 2015, the World Health Organization (WHO) revised its global HIV treatment guidelines to recommend the immediate initiation of  antiretroviral therapy soon as an individual is diagnosed. Ideally you should begin treatment as soon as possible, like the day you get your positive result. Early HIV treatment has been shown to provide long-term advantages. Even if you don’t have symptoms, if your infection runs unchecked it can compromise your immune system.
  1.            HIV testing is meant to be undertaken by everyone
    The CDC has recommended universal opt-out HIV testing of all persons aged 13 to 64 years accessing health care services in private or public settings to further reduce the number of HIV-infected individuals who are unaware of their HIV status, and to enable these persons  have access to HIV care and prevention services. As a general rule, people at high risk for HIV infection should get tested each year. Sexually active gay and bisexual men may benefit from getting tested more often, such as every 3 to 6 months. People with HIV come from all walks of life. It’s not just one socioeconomic class that struggles with this, although some do more than others. There’s nothing shameful about getting tested, or talking about it. As a matter of fact, both are important. If you’re going to have a sexual relationship, you need to be able to sit your partner down and discuss pregnancies, STDs and STIs.
  1.   People who are at risk have options to prevent the HIV infection
    If you’re part of a “different-statuses” couple, or a pairing in which one person has HIV and the other doesn’t pre-exposure prophylaxis drug can be used to drastically reduce the chances of being infected by the virus. PrEP, as it’s commonly known, is a medication marketed under the name Truvada. The frequent use of the drug, which is a combination of two HIV drugs, can lower the risk of getting HIV from sex by over 90 percent and from injection drug use by more than 70 percent. Usually side effects like nausea occur but they eventually disappear.
  1. Being pregnant and HIV positive won’t mean transmitting it to your baby
    Pregnant women diagnosed with HIV often get scared that they’ll be passing the virus onto their offsprings, although it is likely but if a pregnant person starts out taking the ART as soon as possible the chances of the virus being transmitted to the baby can be 1% or less. Also doctors advise against HIV-positive new moms breastfeeding their babies since the virus can be transmitted via breast milk.
  1. If by any chance you feel you’ve been exposed to HIV, post-exposure prophylaxis can be taken to potentially avert infection
    The drug has to be administered within 72 hours of perceived exposure, PEP can reduce the chances of being infected drastically if you’ve been exposed during sex, during injections, or if you’ve been sexually assaulted. It will need to be taken once or twice for the next 28 days for maximum results. So if you think you’ve been exposed please speak with your doctor, call a healthcare clinic, or go to an emergency room. Any one of these options should be able to get PEP for you as quickly as possible, or better direct you where you can.
  1. Despite the advances in the treatment of the virus, prevention is high-priority
    Abstinence is apparently the surest way to protect yourself, but we live in the real world and most people would opt for safe sex rather than ultimately abstaining so condoms remain the only effective way for preventing HIV today. While study models vary, most research indicates that condoms can reduce the risk of HIV anywhere from 80% to 93%. Nigeria has the second largest HIV epidemic in the world, so really abstinence is key.
     In fact, it is a good choice when you feel that you are not ready to become sexually involved with someone else, or that you would rather engage in lower-risk behaviours.
  1. You can have HIV and not be aware of it
    When some individuals are first diagnosed with HIV, they experience cold like symptoms such as fatigue, fever, headache, muscle and joint pain, sore throats and sweating within the first two to four weeks. (Other symptoms include painful, swollen lymph nodes and a skin rash with small pink or red bumps.)During the acute stage of the infection, some individuals may not experience any symptoms at all, the CDC reports, and they can spread the virus without realizing it. The only way to know for sure is to get tested. Late-stage HIV — before it becomes AIDS.
  1. Stay healthy and get vaccinated from time to time
    Prevention is pivotal to maximizing your health when living with HIV. Getting vaccinated is one way to prevent dire, life-threatening infections. More than 25 antiretroviral therapy medications are approved to treat HIV. They work to avert the virus from reproducing and destroying CD4 cells, which help boost the immune system to fight the infection. This helps reduce the risk of developing complications related to HIV, as well as transmitting the virus to others.
  1. Eat right when you’re infected with virus
    There’s no specific eating plan for people living with HIV, but all in all, a healthy diet plan can boost your immune system and help improve your health a lot.
    The virus weakens your immune system because your body uses nutrients to keep up its defenses against germs, eating well can help you fight off infections. It can also boost your energy, keep you strong, help you avoid health complications, and help combat issues brought about by the virus and its treatment.
Family Health Insurance  for parents in Nigeria

Why is Family health insurance so important?

Healthcare insurance coverage is one of the most important decisions you can make as an individual for your family, whether it was acquired through an employer or sought out individually.

However, buying your own health insurance plan  is a change for most people. Individual and family health insurance plans can help you prepare for unexpected financial burdens that arise from healthcare.

HMOs in Lagos

HMO in Nigeria (Health Maintenance Organization in Nigeria)

A Health Maintenance Organization (HMO) is a private or public company registered by the National Health Insurance Scheme (NHIS) in Nigeria to manage the provision of healthcare services through Health Care Facilities (Hospitals, Specialsts and Gyms) accredited by NHIS. 
Healthcare services carried out through HMOs include Hospitals treatments, Optician care and Dental care.

How to Buy Health Insurance

What You Need To Know Before Buying Health Insurance

Health insurance is a must have for all people. It is the only insurance that helps to cover your health and medical care. The truth is that not all health insurance is created equal, and in purchasing your health insurance plan, you need to plan carefully to know the ones that fits your financial plan  and also covers all your health needs.

Before buying an health insurance plan, these are the key things to note;

Dental Healthcare

Want Healthy White Teeth? These Are The Best Dental Hygiene Tips to Practice

Is Healthy White Teeth achievable?
Yes, you can have healthy white teeth! Your teeth not only help you to talk and chew, they also change the way you look. Although, the dental market today is brimming with teeth whitening procedures and expensive teeth treatments that promise you perfect pearly whites, in this article, we have listed a few practices that will guarantee healthy white teeth.

Managing stress for HR using HMO

Stressed? Here Are Five Easy Ways To Avoid Burnouts

Burnouts are described, by the Urban Dictionary, as a state of emotional and physical exhaustion caused by a prolonged period of stress and frustration; an inevitable corporate condition characterized by frequent displays of unprofessional behavior, a blithe refusal to do any work, and most important, a distinct aura of not giving a shit. The good thing is burnouts don’t just happen as there are indications that show if you on the verge of one.

Age to get Health Insurance

At What Age Should You Get Health Insurance?

Health is wealth and wealth abounds in plenty of wisdom. So what is the wise thing to do knowing that time waits for no one and health costs have the capacity of escalating in the future due to the increasing cost of living among other mitigating factors? Also, a medical emergency can attack anyone, anytime and impact an individual emotionally and financially. The wise thing to do then would be to get Health Insurance!

HMO Benefits for Employees in Companies

Using Welfare packages as An incentive for Recruiting the best employees

The best companies are not necessarily those that have the best innovations and technologies but rather the ones with a healthy employee strength. A healthy organisation provides the context for strategy, finance, marketing, technology, and everything that happens within it. An organization can be referred to as healthy, when its management, operations, strategy, and culture fit together and make sense.

Health benefits of drinking water

Why Is Drinking Water Important?

Water is so beneficial, so easy, so free yet so easily overlooked. Your body is about 70% water, the majority of your blood and every cell in your body is composed of water. Therefore, you need water to function properly. Apart from quenching your thirst, there are several benefits to drinking water that transcend the relief you feel after a particular sunny dry spell. In addition, drinking water helps boost your metabolism, cleanse your body of waste, and acts as an appetite suppressant which ultimately leads to loss of weight.

Sleeping well Healthtip

How To Sleep Better At Night

Sleep deprivation or commonly known and lack of sleep, occurs when an individual gets less sleep than they need to feel awake and alert. The measurement of how much sleep is needed varies according to the individual involved. While older people can stay longer hours without sleep, with the young, the effects can be immediately telling.

Health Tests for Women

4 Health Screenings All Women Should Have

In trying to achieve set goals for ourselves - financial, career, relationship, we sometimes forget the most important aspect our lives - our health - without which we wouldn’t be able to achieve these goals. This is not to send one rushing around for unnecessary tests or searching for the slightest sign of illness but a reminder than regular testing is indeed important.

Health Insurance for Companies in Nigeria

What Is The Best Health Insurance For SMEs?

In Nigeria, everyone and their mother is an entrepreneur. You turn left and there’s a tailoring shop with 5 apprentices learning the trade, turn right and it’s a makeup studio/natural hair salon/photography outfit with over 10 people eager to give you the best service. It’s a tremendous thing and the good thing is each and every one of this SMEs are contributing to the overall growth of the economy.