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As an underwriter, wouldn’t it be great if you could gather greater insights into your applicants’ prescription history? What if there was a tool that helped facilitate precision underwriting?

In fall of 2014, ExamOne acquired MedPoint from OptumInsight. As part of ExamOne and Quest Diagnostics, our prescription database increased, providing you with a more in-depth review of your applicants’ prescription history. ScriptCheck® is now a more powerful tool aiding in the underwriting process.

Better data. More savings.

How does using ScriptCheck save you money? Underwriters tell us they only use three years of eligibility data to make decisions — anything more than that isn’t used. So while we receive the same seven years of eligibility as competitors do, we only provide the last three years to underwriters. This data is clean, accurate prescription data that allows you to make informed underwriting decisions about your applicants.

Additionally, as part of the new ownership ExamOne gained access to new data sources. Our database now provides access to over three billion new claims and eligibility records for clients. This provides our clients on average a 16 percent increase in hit rates.

Exclusive access to OptumRX

Quest Diagnostics has exclusive access to OptumRX claims information. OptumRX, owned by UnitedHealth Group is the third largest pharmacy benefit manager (PBM) in the country and is the preferred PBM of UnitedHealthcare. This data provides a more comprehensive review of your applicant’s prescription drug history.

Cleaner data, straight from the source

We currently access more than 70 percent of the PBM market. How does this affect you and your underwriting decisions? Through our PBM relationships we go directly to the source and collect the pharmacy claims regardless of where they fill their prescriptions. By using this strategy, you receive information on the drugs you care about for underwriting. It recognizes mail order maintenance as well as specialty drugs, in addition to any retail prescription purchases. This data approach provides you with the most complete and accurate picture of your applicant’s Rx claims history.

More intelligent design

With ScriptCheck’s new design, it will recognize when two names in the system are in fact the same individual. For example, a female fills a prescription, gets married a month later and changes her last name. The next time she fills a prescription her last name has changed. Our sophisticated algorithm will recognize this as the same individual and will combine all prescription history for both names. This same algorithm will also identify when two individuals who are on the same insurance plan, are not the same person.

Additionally, with this new infrastructure you will experience improved functionality. The new design will help you:

  • Identify potential diseases based on an individual’s prescription history
  • Determine if an applicant is following their maintenance drug plans as prescribed
  • Identify drug interactions that could be causing medical problems
  • Recognize specialties of all the doctors prescribing medication to your applicants
  • Uncover hidden health issues

We are excited about this new investment and the benefits it will provide to you. As a leader in the insurance industry, we are committed to helping our clients obtain the best and most accurate data, while also facilitating precision underwriting.

To find out more please contact our Strategic Product Owner, Stacy Steuart, at Stacy.R.Steuart@ExamOne.com.

June is Men’s Health Month

by Jessica Wahaus on June 15, 2015

This June, ExamOne is committed to raising awareness about men’s health. Many serious health conditions can be prevented or detected early with regular checkups.

Men's Health MonthBelow are some of the regular screenings recommended for men1:

  • High blood cholesterol – Regular testing is recommended for men over 35. High blood cholesterol increases chances for heart disease, stroke and poor circulation.
  • Blood pressure – A blood pressure checkup every two years can reduce the risk of strokes, heart attacks, kidney and eye problems and heart failure.
  • Colon cancer – Beginning at age 50, men should be tested regularly for colorectal cancer, and the frequency of testing depends on the type of screen conducted. If there is family history of colorectal cancer, testing may need to begin before age 50.
  • Diabetes – Men with a blood pressure higher than 135/80 should talk with their doctor about a diabetes screening.

According to the Centers for Disease Control and Prevention, women are 100 percent more likely than men to seek preventive healthcare. Regular screenings can help catch these serious diseases early when they are easier to treat.

One metric used to evaluate an applicant’s risk of heart disease is the cholesterol/HDL ratio. With the increased focus on personal health and advancement of medical technology and pharmaceuticals (statins2), we have seen the cholesterol/HDL ratio improve significantly over the years. In 2009, 51 percent of our tested male insurance population had normal cholesterol/HDL ratios. Over the past five years, that rate has increased to 60 percent.

Quest Diagnostics offers an easy-to-use test to screen for colorectal cancer, known as InSure® FIT™. This in-home, water-based test kit makes it easy for individuals to complete the screening. InSure FIT is proven to detect stages I-III of colorectal cancers and requires no food or medicinal restrictions and no fecal handling. Learn more about the InSure FIT test.

Show your support for men’s health by wearing blue this month, and get more information about prevention from MensHealthMonth.org.


1Men: Stay Healthy at Any Age: 2014 Update. March 2014. Agency for Healthcare Research and Quality, Rockville, MD. http://www.ahrq.gov/patients-consumers/patient-involvement/healthy-men/healthy-men.html

2Statins are drugs that can lower cholesterol. They work by blocking a substance the body needs to make cholesterol. Statins may also help the body reabsorb cholesterol that has built up in plaques on artery walls, preventing further blockage in blood vessels and related heart attacks.

In 2015, I Commit To: Ensuring Client Success and Security

May 22, 2015 Carriers

ExamOne is committed to our clients and their business, and we are constantly working to ensure their success. Rick Kingcade, Vice President, Business Development and Strategic Services, and his teams take that commitment to heart. “I’m committed to ensuring ExamOne leads the industry with resources and solutions that provide the highest level of security and protection […]

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In 2015, I Commit To: Customer Service

May 1, 2015 Carriers

John Ballou serves as ExamOne’s Director of Informatics, overseeing a team responsible for quality assurance, data reference and reporting. In 2015, John and his team continue to be committed to delivering the highest level of customer service: We are dedicated to a Six Sigma quality assurance process that ensures ExamOne continues to provide valuable, innovative […]

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Action from Insight – ExamOne and Quest Diagnostics Commitment

April 27, 2015 Carriers

Quest Diagnostics, parent company of ExamOne, is currently undergoing a brand refresh with a new look, a new logo and a new slogan: “Action from Insight.” In April, the logo made its debut on QuestDiagnostics.com and all of Quest’s social media sites. “We’re refreshing our brand. We’re tightening up our ability to talk about our […]

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April Is Alcohol Awareness Month

April 23, 2015 Carriers

During the month of April, the National Council on Alcoholism and Drug Dependence, Inc. (NCADD) sponsors Alcohol Awareness Month to increase public awareness and understanding, and reduce the stigma associated with alcoholism that too often prevents individuals and families from seeking help. Alcohol in the Workplace Alcohol abuse, which can lead to alcoholism, is a […]

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Medical Laboratory Professionals Week

April 21, 2015 Carriers

Our everyday heroes work behind the scenes in our laboratories. They play a vital role in the critical testing we perform to help applicants obtain the protection of life insurance. Our lab employees are committed to putting applicants first by delivering accurate results with the fastest turnaround times possible. This year, Medical Laboratory Professionals Week […]

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March is Colorectal Cancer Awareness Month

March 25, 2015 Carriers

Did you know colorectal cancer is the third most commonly diagnosed cancer and the second leading cause of cancer-related deaths? To raise awareness of this deadly disease, March has been declared Colorectal Cancer Awareness month. The American Cancer Society estimates there will be almost 133,000 new cases and 49,700 deaths from the disease in the […]

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Can Sleep Deprivation Be Detected in Laboratory Results?

March 9, 2015 Carriers

In our previous blog article, we discussed how lack of sleep can lead to chronic health implications. Sleep deprivation can lead to more than just being tired during the day. We discussed how it can lead to conditions such as heart disease, stroke and high blood pressure. So how do you know if sleep deprivation […]

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National Sleep Awareness Month: Creating Healthy Sleep Habits

March 4, 2015 Carriers

As daylight savings time approaches, we are facing shorter periods of darkness. Our clocks will “spring forward” one hour on March 8, causing us to lose an hour of sleep. During National Sleep Awareness Month, we want to remind individuals of the importance of adequate sleep and how the lack of it can cause health […]

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