Karishma

Assessing the impact of the bayelsa state health insurance scheme in the kolokuma/opokuma lga of bayelsa state, nigeria

• Authors Details :  
• Kpun F. Hilda,  
• Alfred-ugbenbo Deghinmotei,  
• Okoronkwo A. Ngozi,  
• Amos O. Kuroghoekigha,  
• Adje U. David

Journal title : Yemen Journal of Medicine

Publisher : Mansa STM Publishers

Online ISSN : 2583-4614

Page Number : 348-357

Journal volume : 04

Journal issue : 02

33 Views Original Article

Background and Objectives: The Bayelsa Health Insurance Scheme (BHIS) is a state-designed social security plan in which enrollees benefit from a shared pool of cash based on premiums paid by participants. The study aimed to assess the self-reported effectiveness, service utilization, level of satisfaction, and barriers among beneficiaries, and proffer solutions to improve the scheme. Methods: The study was a descriptive cross-sectional survey using a structured questionnaire. This questionnaire assesses the BHIS impact in Kolokuma/Opokuma LGA through six sections capturing demographics, service utilization, satisfaction, financial implications, access barriers, and improvement solutions using standardized scales and matrices, preceded by informed consent. Data was analyzed using SPSS and Microsoft Excel. Results: The major barriers to service utilization were constant unavailability of claimed services at accredited facilities (90.1%) excessive waiting time (76.4%), late/non-referral to specialized centers (67.5), rigid BHIS protocols (63.1%), insufficient insurance coverage (55.2%), complex billing systems (50.7%), and shortage of BHIS staff (50.0%). Conclusions: Possible solutions include the training and retraining of staff and service providers, providing subsidies for couples who are both government employees, initiating adequate supervision, monitoring, and feedback mechanisms, rapid referral protocols, and integrating and encouraging the establishment of health equity funds.

Article DOI & Crossmark Data

DOI : https://doi.org/10.63475/yjm.v4i2.0121

Article Subject Details

• Health sciences
• Public health

Article Keywords Details

• health care costs
• quality of health care
• rural health services
• vulnerable populations
• Patient satisfaction

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