Marina Medical Services (HMO) Limited, a Health Maintenance Organization (HMO) was incorporated in Nigeria in 2007. MMS (HMO) Ltd has been in the healthcare business for over 20years as the medical department in a first generation financial institution managing healthcare needs of her clients and maintaining high quality healthcare services. We therefore have high competences in healthcare delivery, administration, and management. Our model of managed care is the prepaid health insurance system in which we provide a set of healthcare services, to an enrolled population at affordable cost, by a network of accredited healthcare providers nationwide. Their activities are monitored by our quality assurance team. Advantages of the scheme o Medical expenses can be adequately budgeted for. o Access to healthcare services 24/7. o Access to specialists through our referral system. o No out of pocket payment. o Nation wide coverage. o Easy access to overseas treatment. o Effective monitoring of healthcare providers o Emergency ambulance services. o Healthy workforce resulting in improved employee productivity.