In August 2003, the Ghanaian Government made history by implementing the first National Health Insurance System (NHIS) in Sub-Saharan Africa. Within three years, over half of the country's population had willingly enrolled into the National Health Insurance Scheme. The healthcare of people stands paramount and the health insurance scheme concept is one that would guarantee the health of all, thereby abolishing the "cash and carry system." Health care claims from providers are a major source of expenditure for the health insurance scheme. The financial performance of the NHIS is a function of...