Telemedicine for Your Enrollees
Plug your enrollees into Lonia's network of MDCN-verified doctors and specialists — video consultations, prescriptions, and medication delivery. Send us your enrollee list and we'll set you up on a capitation plan. We handle eligibility, claims, and provider payouts.
Why HMOs Partner With Lonia
Extend your coverage into telemedicine without building the infrastructure
A ready provider network
Skip the panel-building. Your enrollees reach MDCN-verified doctors and specialists already on Lonia — nationwide, no new accreditation needed.
Real-time eligibility
We verify each enrollee against your list at booking — no eligibility calls, no after-the-fact disputes over who was covered.
Your rates, set per contract
Two simple capitation plans — GP, or GP + Specialist. Pick one per contract; we enforce the coverage automatically.
Care without travel
Cut avoidable in-person visits. Enrollees consult from anywhere — lowering your cost per encounter and widening reach.
24/7 access
Doctors set their own hours, including round-the-clock. Your enrollees aren't limited to clinic opening times.
Clean reconciliation
Every covered consult is a logged claim. Monthly invoices and provider payouts are handled by Lonia — one statement, full audit trail.
How the Partnership Works
From contract to claims, in four steps
Agree Terms
We set your capitation rate schedule per tier — GP and specialist consultations.
Send Your Enrollees
Hand us your enrollee list. We provision tagged accounts and verify eligibility in real time at the point of booking.
Enrollees Get Care
Your enrollees book MDCN-verified doctors via the portal, app, or WhatsApp. Covered visits are free (capitation) — eligibility detected automatically.
We Reconcile
Every consult is logged as a claim. You pay one flat monthly capitation per enrollee; we compensate the doctors from that pool — you get one clean statement, no per-visit surprises.
Partner With Lonia
Tell us about your HMO and we'll design a telemedicine partnership that fits your enrollees and your reimbursement model.
Frequently Asked Questions
How does reimbursement work?
Capitation: you pre-pay a fixed amount per enrollee and covered consults are free at the point of use (enrollees never pay a copay). Choose the GP plan or the GP + Specialist plan, and we reconcile usage on a clean monthly invoice.
How do you confirm an enrollee is covered?
You give us your enrollee list (we can refresh it any time). When an enrollee books, we match them in real time — only active enrollees of an active contract are covered. We can also collect an ID upload as a secondary fraud check.
Do your doctors have to accept HMO patients?
Yes — every Lonia doctor accepts covered enrollees, so your members always have the full network, not a limited panel. Each doctor sets a daily cap on how many covered consultations they take (to keep availability healthy); once a doctor reaches that day's cap, an enrollee simply sees them as full-fee until the next day.
How are providers paid?
Lonia pays the providers directly — you never negotiate with or pay individual doctors. Every covered consultation is logged as a claim, and our network is compensated out of the pooled capitation at each monthly close, completely independent of what the enrollee paid at the point of care (which is ₦0). You settle one monthly capitation invoice and get a full claim-level audit trail.
Is telemedicine covered under NHIA rules?
The NHIA framework doesn't yet standardise telemedicine reimbursement, so partnerships are arranged bilaterally. We'll work with your team to structure terms that fit your scheme.