Carriers

The ExamOne integrated supply chain is a single-source requirement acquisition solution for managing all underwriting requirements. It is the foundation of our straight-through process. Agents electronically collect the amount of information desired using a short ticket of full Part I e-application. ExamOne electronically collects Part II information and any remaining Part I information, producing an “in-good order” application with data output specified by you, the client.

Our most recent blog discussed how we can help simplify the life insurance buying process. This blog describes how the call center simplifies the process. The interview is a one-stop-shop with a continuum of services designed to improve the underwriting process and reduce cycle time, such as reflexing additional lab requirements, reflexing to APS retrieval and reflexing to the prescription database.

When an applicant applies for life insurance, they must complete a health history interview. During this part of the process, applicants either dial in to our call center or receive an outbound call and are then asked a series of questions determined by the home office. Utilizing the call center for the applicant’s interview relieves the agent of asking medical questions face-to-face with their client. Some applicants don’t feel comfortable answering personal health and family questions with an agent, who may be their next door neighbor or friend. They feel more comfortable disclosing this information to a third party source. The phone interview offers the applicant the ability to spend less time completing the application by answering the questions once and offer the convenience of a toll free number with a wide choice of call times.

At the end of the interview, applicants can agree to voice signature. This offers several benefits:

  • It eliminates the need for the examiner to capture the signature during the exam
  • Reduces the possibility of missed signatures on the paperwork
  • If an exam is needed, the interviewer can schedule it at the end of the interview with the applicant already on the phone, reducing another call to the applicant
  • The scheduling system allows the interviewer to offer the applicant a convenient choice of appointment dates, times and locations, including the ExamOne Patient Service Center option.

Recently, ScriptCheck was updated to be included in the interview.* A ScriptCheck report is requested and delivered back to the interviewer during the call.  This allows us to reconcile and to verify any medication or impairment discrepancies with the applicant while they are still on the call.

We have received valuable feedback from applicants who have gone through the interview process.

“…thank you, that was less painful.”

“…I appreciate you explaining everything to me.”

“…thank you for your patience. It has been difficult for me in the past trying to get this done. I really appreciate this.”

We continue to find ways to improve this part of the process for the applicant, the home office and the agent.

 

 

 

 

*Based on client participation

Prescription Drug Misuse In America

by Quest Diagnostics Press Release on July 22, 2014

Drug2The abuse of prescription painkillers and narcotics has grown into a bonafide public health crisis, affecting virtually every state, city and small town in the United States.[1] Nearly half of the roughly 40,000 drug overdose deaths in 2010 involved pain medications, such as hydrocodone and oxycodone.[2] Approximately 2.1 million people are dependent upon or abusing opioid pain medications.[3] Even older Americans are at risk, with one in four adults 50 years of age and over using psychoactive medications—mostly opioids and benzodiazepines.[4]

We at Quest Diagnostics have learned through our conversations with healthcare providers that patients often fail to report their non-medical uses of drugs or of non-compliance with prescriptions to their physicians. Prescription drug misuse falls into every age range, among both men and women, and across socioeconomic strata. Because misuse is difficult to predict or detect,many healthcare providers are hesitant to prescribe pain medications even when indicated.

Quest Diagnostics Health Trends is a series of reports produced by Quest Diagnostics based on our database of de-identified laboratory testing data across the U.S. In 2012, we issued our first Quest Diagnostics Health Trends Report on prescription drug misuse, “Prescription Drug Misuse in America: Laboratory Insights into the New Drug Epidemic”[5] and in 2013 we issued “Prescription Drug Misuse in America: A Report on Marijuana and Prescription Drugs.”[6] The current report is based on patients tested using the Quest Diagnostics prescription drug monitoring service. This service tests for commonly prescribed drugs, including pain medications, central nervous system medications, and certain illicit drugs such as marijuana, cocaine,and heroin.

Our 2014 report builds on our prior research and confirms the high rates of inconsistent test results among those prescribed pain medications and it spans all ages and both genders. This report also provides additional insights into the value of co-testing for heroin metabolites, 6-monoacetylmorphine andmorphine, and the importance of specimen validity testing. Together, these reports reflect analysis of 1,409,037 patient test results for the years 2011–2013. Urine specimens are screened by immunoassay-based methods and all positive results are confirmed by mass spectrometry, the most sensitive and specific drug testing method. The company’s Quest Diagnostics Health Trends studies are performed in compliance with applicable privacy regulations, the company’s strict privacy policies, and as approved by the Western Institutional Review Board.

Read the full study here

 

 

 

Four Steps to Improving the Life Insurance Buying Process

July 17, 2014 Carriers

During a recent flight home from an industry event, I sat in my seat re-reading my previous “State of the Industry” blogs. A common theme resonated throughout each of them – Simplified Process.  I am passionate about a simplified process because it is what our applicants tell us they want. What Should A Simplified Process […]

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Come meet the ExamOne MVPs at AHOU!

April 29, 2014 Carriers

Our National Sales Team is geared up and ready to leave for AHOU!  Don’t forget to stop by Booth 123 to visit with our MVPs. You will be able to check your blood pressure on the iPad, see what we are doing with reflex testing, take a “tour” of our new St. Louis laboratory facility, […]

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Mystery Shopper Program helps improve Quality

December 9, 2013 Carriers

ExamOne places an immense emphasis on quality, and we’ll continue to do so in 2014. An inaccurate result can jeopardize the relationship between a producer and a client. A broker, who has a choice of which insurers to work with, may opt not to use insurers that have unreliable underwriting. Our new Mystery Shopper Program […]

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Educating employees on their health

November 13, 2013 Carriers

Through Blueprint for Wellness, a program offered by Quest Diagnostics, employers can provide a way to keep their employees informed about their health. Employers can gain deeper insight into how employees can achieve better health outcomes, how to achieve greater linkage with health partners and more effective ways to engage employees with Blueprint for Wellness […]

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Digital Technology Improves Efficiency for Fingerstick

November 4, 2013 Carriers

In a world where technology is ever changing, we must also adapt to and change our practices. We must find ways that allow us to be more efficient in our day-to-day operations. Through Blueprint for Wellness, Quest Diagnostics, the world’s leader in diagnostic testing, information and services, companies are offered a program that employees can […]

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Microalbuminuria – So What’s a Little Urine Protein?

October 30, 2013 Carriers

In both the United States and Canada we are experiencing a diabetes epidemic which can result in vascular (both micro and macro) complications[i],[ii].  If not diagnosed early and treated, these complications can lead to renal failure, cardiovascular disease, amputations, blindness and even early death. One of the important biomarkers for kidney (nephropathy) as well as […]

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Is Pre-Diabetes or Diabetes Increasing the Mortality Risk of your Population?

October 23, 2013 Carriers

Pre-diabetes, diabetes and insulin resistance are on the rise in the United States and in developed countries around the world. Seventy-nine million or 35% of the U.S. population have pre-diabetes and 26 million have diabetes. These are epidemic proportions with one third of our population at increased risk of future morbidity or mortality[i]. So what […]

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NT-proBNP test growing in popularity as screening tool

October 14, 2013 Carriers

In a country where the older population (persons 65 years or older) is growing, we are seeing an increased number of cases of cardiac stress and various heart diseases. The Administration of Aging (AOA) has released data stating the elderly in the U.S. numbered 39.6 million in 2009. They represented 12.9% of the U.S. population, […]

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