Carriers

The ExamOne ordering site allows you to manage all your needs in one place, whether you’re looking to create a case, place an order, or anything in between. It allows you to view the status for individual orders so you’re able to keep track of each moving piece required for completion. The ExamOne portal* is utilized by clients and internal support users. These users include:

  • Insurance home offices
  • Direct marketers           
  • Agents
  • Agencies                     
  • ExamOne offices
  • Examiners

Here are a few tips and tricks for using the ExamOne ordering site:

Linking orders
Need to schedule an exam for two applicants at the same time? All users now have the ability to link orders. Users also have the ability to schedule linked orders— this means you can schedule a couple together and have the examiner complete two exams in one sitting. This enhancement will help minimize applicant touch points and trim down scheduling turnaround time.

Image viewing and downloading
Tired of spending time converting images to special file formats? We give you the ability to download images** in PDF or TIFF format based on insurance account specifications and order type.

Search tool enhancements

Searching for cases just got easier! The Quick Search customization option now gives you the option to search by email. The email field will be available to all users when customizing their quick search option.

Agency/Agent users profile notes (Special Instructions)
Got special instructions for your order or are you a case manager that needs a copy of the paperwork? The agent and agency profiles have been enhanced to accommodate a Special Instructions section. This section is intended for paperwork handling instructions and/or general instructions associated to your orders. Once added, these instructions will be on the order for internal users and examiners. Any provided notes will also print on the work order utilized by ExamOne’s field collection force.

Scheduling the exam date
Is locking in a date and time with the applicant challenging? ScheduleNow™ is a real-time appointment-setting tool that allows you to schedule the paramedical appointment at the same time you process the application. Recent improvements to the scheduling platform allow you and the applicant to quickly identify the best days and times to schedule appointments. If an examiner or exam center is not available, the date(s) and time(s) will be shaded out, making those non-clickable options for users.

If you do not have an online ordering account, go here for easy registration. 
If you have an account that you suspect may be deactivated, please email Support@ExamOne.com or ExamViewSupport@QuestDiagnostics.com. You can also call Technical Support at 1.866.452.2663 option 1 to reactivate.

*Your company has to allow online ordering to be able to access the ExamOne portal.
**Insurance carrier must allow and enable paperwork access.


Using laboratory testing history databases to evaluate applicant risk can provide underwriters a more complete picture of applicant health. Laboratory history data provides quick access to physician-ordered laboratory testing results, it verifies applicant self-reported medical disclosure, and it can reduce costs as a possible alternative to an Attending Physician Statement order. Recently, we presented some of the benefits of using this data in the underwriting process.

LabPiQture™, ExamOne’s unique laboratory testing results database, provides deep insights into the health history of applicants. During Women’s Health Month, we’ve taken a deeper look at the conditions most commonly diagnosed in female life insurance applicants.

Top five diagnoses found in historical laboratory reports of female life insurance applicants

top-diagnoses-female-life-insurance-applicant

Encounter for general exam without complaint, suspected or reported diagnosis
This encounter captures most general exams that are not the result of a complaint or other diagnosis. In laboratory data, this code is most commonly associated with routine non-OBGYN checkups, and is seen commonly in both men and women. For underwriting, this can generally be considered a low-risk code and may indicate an applicant who is active in maintaining his or her health.

Disorders of lipoprotein metabolism and other lipidemias
Lipid metabolism disorders affect the conversion of lipids into energy, oftentimes causing harmful amounts of lipids to build up in the body. These build-ups can result in cell and tissue damage in the brain, nervous system, liver, spleen and bone marrow. In laymen’s terms, this is the most common code for high cholesterol and is generally associated with lipid panel (total cholesterol, HDL, triglycerides, etc.) results.

Encounter for other special exam without complaint, suspected or reported diagnosis
In our data, these almost exclusively indicate OBGYN encounters involving pap smears. This code can be used to capture encounters related to dental, vision and hearing; however these do not generate laboratory/tissue specimens. Pap smears are the most common tissue pathology results in the LabPiQture database and are often accompanied by HPV (a virus linked to cervical cancer) screens.

Essential (primary) hypertension
This is high blood pressure that doesn’t have a known secondary cause and tends to develop gradually over many years. Risk factors of primary hypertension include age, weight, family history and tobacco use. Complications may include heart attack or stroke, aneurysm, heart failure, and metabolic syndrome—which increases the chance of developing diabetes.

Encounter for screening for infectious and parasitic diseases
This encounter can denote screenings for various bacterial or viral diseases, such as tuberculosis and HIV. As a screening code, this header is most often associated with STD (including HPV) panels. In the large majority of cases (as in HPV and prenatal screens), these are routine tests with comparatively low positivity rates. In certain subpopulations, however, this code can be suggestive of high-risk behavior, including intravenous drug use.

Other common diagnoses in female life insurance applicants

Insurers should also be aware of additional diagnoses among female life insurance applicants, such as the following.

(E03) Other hypothyroidism – 13.6%

(E11) Type 2 diabetes mellitus – 10.8%

(R73) Elevated blood glucose level – 9.0%

(E66) Overweight and obesity – 5.4%
This statistic is interesting to note for insurers, especially since an ExamOne study found a notable rate of obesity nondisclosure in female applicants.

female-applicant-obesity-nondisclosure

Summary of the analyzed population

In our analysis of the most common diagnoses in female life insurance applicants, the mean age of a female applicant with a LabPiQture hit was 45. The mean encounter count for a female hit was 19, but this conceals a substantial level of variation. The median encounter count was 10, while 13% of hits involved only a single encounter, and 1% of hits involved 73 or more unique testing events.

Gathering a comprehensive health picture of your applicants

Laboratory history data can be a valuable resource for insurers determining applicant health risk. When evaluating this type of diagnosis data, it’s also important to remember that some codes are tentative, or ruled-out by subsequent testing, and do not always confirm the current presence of a disease. This is where additional health data sources can further inform or confirm suspected conditions.

Check back on the blog next month when we take a look at the most common diagnoses in male life insurance applicants based on LabPiQture data.

Millennials, misconceptions and modern technology

May 9, 2019 Carriers

Our Director of Development Engineering, Eric Saul, recently had the opportunity to speak at the 2019 Association of Home Office Underwriters Conference (AHOU) in New Orleans. As a technology professional for more than 20 years, he has seen how consumer behaviors drive innovation and improvements in technology. Now, with more millennials than baby boomers as […]

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Modernizing the life insurance applicant experience through digital engagement

April 25, 2019 Applicants

What goes into a modern customer experience? It’s all about engaging customers in new and innovative ways. In the life insurance industry, customer experience impacts policy completion rates. Recognizing this drives our efforts and ensures that we are meeting the needs of the modern customer. Solutions that provide real-time context, convenience and visual information are […]

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The slowly-resolving ambiguities of marijuana-linked mortality risk

April 18, 2019 Carriers

As of April 2019, recreational marijuana is legal in 10 U.S. states and medical marijuana in an additional 23. Despite the substantial departure from long-standing drug policy which this represents, until quite recently there have been relatively few direct studies on the mortality implications of marijuana use in the general population. While the scientific consensus […]

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Recent scheduling enhancements place an emphasis on the applicant experience

March 18, 2019 Brokers

ScheduleNow™ is a modern scheduling platform that helps speed up the application process. All ExamOne clients can take advantage of ScheduleNow’s capabilities, national coverage, and flexibility. Recent improvements to the scheduling platform allow users to quickly identify the best days and times to schedule appointments. If an examiner or exam center is not available, the […]

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Customer survey update: How customer feedback empowers innovation

March 12, 2019 Brokers

Using feedback from our customer survey, we’ve put together six action plan teams to address key opportunities our customers highlighted. Find out what they’re working on now.

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Providing insurers robust data to evaluate mortality risk

March 6, 2019 Carriers

Recent studies have demonstrated that an applicant’s clinical laboratory history is roughly twice as effective as a prescription history in identifying the highest levels of mortality risk. Clinical laboratory data also provides the ability to evaluate an applicant’s risk profile longitudinally. It can detect long-term trends in critical medical indicators such as A1c, PSA, and […]

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Ask the expert: Customizing your laboratory results to facilitate faster results

February 19, 2019 Carriers

Now that marijuana is legal in many states, as well as in Washington D.C., some underwriting departments have asked us to update their sensitive test results to allow for positive THC. Several clients indicated that waiting for sensitive test results can cause a delay in their underwriting process. By reducing your number of sensitive tests, […]

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Innovating with a customer focus

January 29, 2019 Carriers

Consumer habits are a key driver in today’s business strategies. If a business is slow to adapt to changing trends, they must be prepared for someone else to do so. A popular graphic illustrates this reality, ultimately concluding that technology by itself is not the disruptor. Not being focused on your customer is the biggest […]

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