Ask The Experts

Account Manager Rebecca Shady answers questions about ExamOne’s international coverage and services for our life insurance clients.

How do I place an international request?
Send an email inquiry to: then an ExamOne representative will then contact you for additional required information.

ExamOne will forward the case to the provider who will contact the applicant. In some instances, we may request the applicant to contact the provider to schedule their exam.

Please note: European exams are called “MD” exams, not “paramed” exams.

Which insurance companies participate internationally?
Please contact your ExamOne contact for a full list of participating carriers. Please note: In all situations, underwriting must approve testing.

How is pricing determined?
Prices are based on the provider, as well as international processing and handling.

Are there different guidelines?
Resting EKGs are available in almost every venue. Stress EKGs are only available in select areas. CBCs are not available, due to transportation time.

What is the process for translation?
ExamOne provides translations for most languages. Translation is charged at actual costs (costs vary by language and legibility) incurred by our translation company, plus a processing fee. An advance quote is available, when requested. We recommend to not translate laboratory values as these tend to be universal and can add significant costs. Turnaround time averages two weeks.

In what areas does ExamOne provide exams internationally?
American Samoa: Pago Pago
Brussels: Belgium
Denmark: Copenhagen
France: Paris
Germany: Berlin, Dusseldorf, Frankfurt, Munich, Kaiserslautern
Grand Cayman
Hong Kong
Hungary: Budapest
Italy: Milano, Rome
Mexico: Mexico City
Manila: Philippines
New Zealand
Spain: Madrid, Barcelona
Switzerland: Geneva
US Virgin Islands: St. Thomas, St. John, St. Croix

*All parties providing, receiving, and processing information will follow the General Data Protection Regulations (“GDPR”) and Personal Data/Protected Health Information (PHI) under HIPAA-HITECH.

Meet Rebecca

Rebecca Shady is one of our Account Managers who specializes in assisting our international clients. She has been committed to serving our customers near and far with ExamOne for more than seven years. Connect with Rebecca on LinkedIn.

Contact Rebecca or your Account Manager for more information about our international solutions.

Ask the Expert: Drug trends in America

by Lindsey Amaya on October 3, 2018

During one of our summer webinars, Betsy Sears, Executive Vice President, Laboratory Strategy and Sales, and Dr. Barry Sample, Quest Diagnostics Senior Director, Science and Technology, examined two of America’s populations for drug positivity rates by various drug classes. This included a workforce population and ExamOne life insurance applicants. Understanding the drug trends and positivity rates of these two unique groups helps insurers identify potential mortality risk associated with the rise of opioid use in our country and drug positivity.

Talking with our experts

We recently sat down with our two experts to answer some of the questions submitted by our webinar attendees.

Q. Do marijuana testing numbers include cannabidiols (CBD) as being “positive” in testing? Or, are those numbers confined to testing of higher levels present of THC?
A. While CBD does share some of the same structures as THC, it will not produce a “high.” In some states where medical marijuana is legal, CBD products are allowed to have residual levels of THC up to 5%. You may wonder if this small amount is enough to produce a positive drug test. The answer is most likely not. A product that contains significantly high concentrations of THC in addition to CBD, could produce a positive drug test. However, if no THC is present in conjunction with CBD, the drug test will be negative.

Q. Are certain shampoos and hair washes still effective in masking the positive hair drug tests?
A. Research has shown that various shampoos, conditions, sprays and gels have little to no effect on the results of the hair specimen. You can read full details here.

Q. One slide demonstrated triple-digit increases in urine methamphetamine positivity from 2013-2017 for four regions in the United States. Do you know the prevalence for the states not shown?
A. This interactive map designed by Quest Diagnostics Employer Solutions, displays the percent positivity across the country. You can easily zoom in to a specific state to review positivity by zip code, as well as view the state rate compared to the national rate. Feel free to take a closer look by also changing the selected drug and year to see a different view.

Discover your applicant drug positivity rate

We hope you find these answers relevant as you identify what parameters determine your drug testing requirements. If you are interested in discovering drug trends and positivity rates within your applicant population, we can help with that.

Ask the Expert: What else can I expect on the enhanced pre-populated lab slip?

September 20, 2018 Ask The Experts

Earlier last month, we announced that we are enhancing our laboratory ID slip and will pre-populate applicant information on all ExamOne laboratory accounts, effective October 1, with the goal of providing a better experience for you and your applicants. Over the past two weeks, our team has received some great questions from our customers regarding […]

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Helping life insurance brokers be their best: 1-Minute Broker Tips

April 25, 2018 Ask The Experts

Last year, we kicked off our “How we can help” campaign, highlighting the personalized solutions we offer our brokerage and distribution clients. This year, we want to dive even deeper into our Superior Solutions model by providing handy tips and information for case managers. This new series, “1-Minute Broker Tips”, offers quick tidbits of advice […]

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Ask the Expert: Why use an outsourced contact center for your business?

June 2, 2017 Ask The Experts

Why should I outsource a contact center instead of hiring my own team? Building and staffing a contact center can be costly, and set-up is extensive. Most contact center service providers are equipped to be reflexive for different types of clients and industries. Many offer consultative services to build a script and workflow that fits […]

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Ask the Expert: The prevalence of hepatitis C

May 30, 2017 Ask The Experts

As we wrap up Hepatitis Awareness Month, we sat down with our laboratory expert, Betsy Sears, to ask her some questions regarding hepatitis C (Hep C).  Hep C affects millions of people who may not even know they are living with it. The Centers for Disease and Prevention Control (CDC) estimates that up to 75% of […]

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Ask the Expert: What is Policy Express 2.0?

April 27, 2017 Ask The Experts

How does the new Policy Express workflow differ from the original workflow? When Policy Express was first introduced, applicants completed a straight-through process, based on general age and amount rules. With Policy Express 2.0, underwriters can receive real-time data and be more flexible with requirements on each applicant. Now instant decisions can be made or […]

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Ask the Expert: online ordering

December 9, 2016 Ask The Experts

Our online ordering system is designed to simplify the ordering process, improve efficiency for your office and personalize the site for your needs. This tool was designed to help you manage your cases easier, save you time throughout your day and speed up the time it takes to order requirements. Below are some of our […]

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Ask the Experts: Why A1c is the gold standard of diabetes testing

November 15, 2016 Ask The Experts

November is National Diabetes Month. Earlier this year we became the first laboratory in the insurance industry to update our insurance profile to include HbA1c (commonly referred to as A1c) testing for all life insurance applicants. By upgrading to this test, we will help insurers identify more applicants who are either diabetic or who may […]

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Ask the Experts: Effective exam scheduling options with ScheduleNow

October 31, 2016 Ask The Experts

Is ScheduleNow available to all clients? All ExamOne clients can take advantage of ScheduleNow’s capabilities, national coverage, and flexibility. This tool is available for online users to schedule paramedical exams when submitting orders through our website and is used by our call center to schedule a paramedical exam at the end of the medical history telephone […]

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