FOR HEALTH MAINTAINACE ORGANIZATION
The pharmacy benefit manager built for Nigerian HMOs.
HubPharm is the licensed clinical infrastructure that turns your pharmacy line item from a cost centre into a retention engine: coordinated drug benefits, specialty fulfilment, and chronic care for the enrollees that drive your medical loss ratio.
300k+ Medicines Packed delivered 95% Patient satisfaction rate 160K+ Lives Impacted across Africa
FEATURED ON
THE HMO DRUG BENEFIT PROBLEM
Your pharmacy line is leaking money, members, and outcomes.
1. Claims leakage and counterfeit risk
Unverified pharmacy networks bill for off-formulary, duplicate or counterfeit-substituted medications. There is no clinical audit trail, and your medical loss ratio quietly worsens every quarter.
2. Chronic enrollees drive 70% of cost
Sickle cell, diabetes, hypertension, cancer and hepatitis C enrollees consume the majority of your pharmacy spend, but receive the least coordinated care, leading to crises, hospitalisations and disenrollment.
3. Access friction kills retention
An enrollee who can’t get their medicine on the day they need it doesn’t blame the pharmacy. They blame you. Pharmacy access is now the single largest driver of HMO churn in Nigeria.
One licensed pharmacy partner. Seven capabilities. Measurable outcomes.
HubPharm operates as your outsourced pharmacy benefit infrastructure — a single accountable partner replacing dozens of unmanaged retail relationships with credentialed care, integrated technology, and transparent reporting.
The infrastructure your enrollees already trust.
HubPharm isn’t a pilot. We are a fully-licensed clinical platform with measurable outcomes across thousands of patients, hundreds of thousands of medicine packs, and a continent’s worth of digital reach.
FROM CONTRACT TO LIVE IN 6 WEEKS
A structured onboarding built for HMO operating realities.
We don’t ask you to rewire your operation. We slot in alongside your TPA and claims systems, run a parallel pilot, and go live in six weeks or less.
WEEK 1 · DISCOVERY
Partnership scoping & data sharing agreement
Confidential briefing with your Head of Operations and Medical Director. We map your enrollee population, current pharmacy network spend, top-cost cohorts, and benefit design. Mutual NDAs and data sharing agreements signed.
WEEK 2 · DESIGN
Formulary alignment & service tier selection
We propose a tiered formulary calibrated to your benefit packages, identify high-impact chronic cohorts for active management (SCD, HCV, oncology, diabetes), and select your service mix, fulfilment-only, full PBM, or specialty-only.
WEEK 3-4 · INTREGATION
API / dashboard integration & enrollee load
Our technical team integrates with your TPA, claims platform or operates a co-managed dashboard. Encrypted enrollee load. Pharmacist credentialing aligned to your provider network. Compliance review against NDPC and NHIA frameworks.
WEEK 5 · PILOT
Parallel run with selected enrollee cohort
Two-week live pilot with a defined cohort, typically your highest-utilisation chronic enrollees. Daily reconciliation reports. Service-level monitoring. Your account manager embeds with your operations team for the duration.
WEEK 6 · GO LIVE
Full rollout with monthly governance cadence
Full enrollee population transition. Monthly governance meeting with your executive team. Quarterly business review covering claims integrity, adherence outcomes, financial reconciliation, and the year-on-year roadmap for your benefit design.
CLINICAL PROGRAMMES FOR CHRONIC ENROLLEES
Designed around the conditions that drive your loss ratio.
Three flagship programmes, built with manufacturer partnerships and grant funding, that lower acquisition cost, improve outcomes, and reduce hospitalisation across the chronic cohorts that dominate Nigerian HMO spend.
1. Hypertension Access
Controlling the silent killer. Structured supply of antihypertensives paired with BP monitoring and adherence coaching to turn a silent diagnosis into a managed condition. Covers ACE inhibitors, ARBs, calcium channel blockers, thiazides, and beta-blockers, single-pill and fixed-dose combinations.
96%+ Customer Satisfaction
85%+ Adherence Rate
2. Diabetes access
Preventing the complications, not just dispensing the drugs. End-to-end diabetes care covering oral therapy, insulin with verified cold-chain handling, glucose monitoring supplies, and quarterly HbA1c reviews, supported by Afiya AI for daily logging. Covers metformin, sulfonylureas, DPP-4s, SGLT2s, GLP-1 agonists, and full insulin range.
95%+ Customer Satisfaction
89%+ Adherence Rate
3. H. pylori Cure.
Curing peptic disease, not just suppressing the symptom. Complete H. pylori eradication regimens, gastroprotective co-therapy for chronic NSAID and steroid users, and structured relapse prevention. Covers PPIs, H2 blockers, triple- and quadruple-therapy packs.
4. SCD Access
Comprehensive sickle cell disease management; hydroxyurea access, vaccination, crisis prevention, transfusion coordination, and family-level genetic counselling. Designed for HMOs with significant SCD enrollment.
5. HCV Cure
Hepatitis C elimination programme using direct-acting antivirals through Mylan and partner manufacturer pathways. Most enrollees achieve sustained virological response within 12 weeks, a curative outcome at fraction of long-term cost.
6. Cancer access
Oncology drug access including biologics, targeted therapies and supportive care, with manufacturer partnerships from Healing Health, Mylan and AstraZeneca for patient access programmes that lower out-of-pocket cost.
THE STRUCTURAL DIFFERENCES
HubPharm vs the retail pharmacy network model.
A fragmented network of retail pharmacies is not the same as a coordinated pharmacy benefit. Here is what changes when you replace the former with the latter.
| CAPABILITY | HUBPHARM | RETAIL PHARMACY |
| Single accountable partner with one contract | Yes | Dozens of contracts |
| Pharmacist-led clinical interventions | Standard | Rare |
| Real-time claims integrity dashboard | Live | None |
Specialty pharmacy & cold-chain
| Built-in | Inconsistent |
Same-day mail-order delivery | Lagos · same-day | Walk-in only |
AI member engagement (Afiya)
| 50+ languages | None |
| Chronic care programmes (SCD, HCV, Hypertension, Diabetes) | 6 flagship programmes | Not offered |
DECISION MAKER FAQ
Answers for the executives doing the diligence.
A Pharmacy Benefit Manager (PBM) is a third-party administrator that manages prescription drug benefits on behalf of HMOs and insurers. HubPharm acts as Nigeria’s specialty PBM, designing formularies, fulfilling prescriptions, managing chronic care populations, validating claims, and driving member adherence. HMOs partner with us to reduce drug claims leakage, eliminate fraud, improve health outcomes, and retain enrollees.
We integrate via secure API endpoints with major TPA platforms and HMO claims systems. For HMOs without API capability, we operate a co-managed dashboard with daily reconciliation reports. Onboarding typically takes 4–6 weeks including formulary alignment, enrollee data load, pharmacist credentialing, and a 2-week parallel run.
HubPharm has signed an institutional pharmacy partnership with AVON HMO and is in active commercial discussions with several other leading Nigerian HMOs. We work with health insurance enrollees across Lagos, Abuja, Port Harcourt, Ibadan and 30+ Nigerian cities. Contact us for a confidential briefing on current partner outcomes.
Three layers: (1) Licensed pharmacist verification on every fill, (2) NAFDAC-compliant sourcing audit trail eliminating counterfeit substitution, and (3) Real-time claims integrity dashboard flagging duplicate fills, off-formulary dispensing, and unusual utilisation patterns. HMOs typically see 18–25% reduction in inappropriate pharmacy claims within the first quarter.
Our pharmacists and Afiya AI conduct regular check-ins with your family member by WhatsApp. You receive a monthly adherence report. If we detect a missed dose or a side-effect concern, we escalate immediately and contact you directly. In our coordinated care programmes, adherence improves by an average of 42% compared to unmanaged refills.
Yes. HubPharm operates three flagship clinical programmes, SCD Access (sickle cell), HCV Cure (hepatitis C), and Cancer Access (oncology) alongside chronic care for diabetes, hypertension and HIV. These programmes deliver 42% adherence improvement and 92% enrollee satisfaction, with manufacturer partnerships that lower acquisition cost for HMOs.
Yes. HubPharm is licensed by the Pharmacy Council of Nigeria (PCN License: LAG20247B39C9), registered with the Corporate Affairs Commission (RC 1812034), NDPC audit-compliant (NDPC/AUDIT/24430), and operates within the National Health Insurance Authority (NHIA) framework. All our medicines are NAFDAC-registered and sourced from authorised distributors.
Same-day delivery within Lagos. Next-day delivery to Abuja, Ibadan, Port Harcourt, Ogun and Kano. 2–4 day delivery to 30+ Nigerian cities. We also serve diaspora enrollees through our family caregiver platform, allowing relatives abroad to fund medications for loved ones in Nigeria.
We work with all three. Fee-per-script for HMOs starting small and validating impact. Capitation for HMOs with predictable chronic enrollee populations seeking budget certainty. Hybrid models combine a base capitation for chronic care with fee-per-script for acute prescriptions. Pricing is calibrated to your enrollee profile and benefit design — request a partnership briefing for tailored pricing.
Thank you for believing us. Please kindly fill the form below
Get our wellness newsletter
Filter out the noise and nurture your inbox with health and wellness advice that is rooted in medical expertise.