laboratory quality

Paramedical exams and related laboratory testing are vital pieces of the underwriting process when issuing policies to life insurance applicants. Inaccurate or incomplete data about an applicant could place him or her in the wrong risk pool, skewing their rating. Alternatively, the mistake can be an overlooked medical condition, leaving an insurance company exposed to claims that can cost thousands or hundreds of thousands of dollars.

3-Quality-errorsInsurers will always deal with accidents and other anomalies that actuaries can figure in their results, but they need accuracy in the basic information they gather about their applicants. These three common quality errors can have a significant impact on underwriting decisions.

  1. Specimen quality – Delayed centrifugation can cause low glucose values and mildly elevated creatinines. Exposure to heat prior to specimen centrifugation has the greatest effect on specimen quality. We recommend that centrifugation occur within a few hours for optimum serum quality and that specimens are kept cool during transportation. Note: in-center exams eliminate this error completely since specimens are centrifuged immediately.
  2. Incorrect physical measurements – When an applicant’s blood pressure reading is taken incorrectly, or height and weight are not collected properly, underwriters are unable to make precise decisions. This can cause problems for both the insurer and the applicant by delaying policy issue or influencing an incorrect risk rating. Our Examiner App on the iPad has significantly decreased interpretation errors of measurements collected during the paramedical exam.
  3. Incomplete medical history – The medical interview is an extremely important part of the paramedical exam process, giving the carrier an opportunity to assess the level of health of each applicant. Missing information often requires a followup call or appointment with an applicant, which can negatively impact his or her overall experience of the life insurance process. Our health history collection method on the iPad and through our call center helps our examiners provide a thorough paramedical exam.

As a service provider to insurance companies, we want our clients to be confident with the results they receive so they can be confident in their underwriting decisions. Errors cause serious implications for insurers, producers (agents and brokers), and their clients. An inaccurate result can jeopardize the relationship between a producer and a client. A broker, who has a choice of insurers to work with, may opt not to use insurers that have unreliable underwriting.

Choosing ExamOne for exams and laboratory testing means choosing quality. We’re committed to our clients and your applicants, and implement a number of practices and programs to ensure we operate with consistent accuracy.

To learn more about ExamOne’s quality monitoring programs, contact our Quality Department.

Medical Laboratory Professionals Week

by Jessica Wahaus on April 27, 2016

ASCLS Career CenterAt Quest Diagnostics and ExamOne, we perform and interpret millions of lab tests each year. We know behind every test is an individual awaiting results plus a dedicated employee making sure that test is processed quickly and properly. This year these dedicated employees are recognized during Medical Laboratory Professionals Week (MLPW), April 24-30.

“Our lab employees are vital to our success. Their commitment to quality and excellence ensures ExamOne consistently provides the highest quality results to our clients and the life insurance industry,” said Dawn Forst, Director of Laboratory Operations, ExamOne. “We never forget the work we do is critical to helping applicants obtain the protection of life insurance.”

Our team joins the more than 300,000 medical laboratory professionals in U.S. “getting results” behind the scenes at our laboratories. They ensure the quality of laboratory results and help expedite the process for applicants obtaining life insurance, as well as allowing them to become more aware of their health. At ExamOne, we appreciate our laboratory professionals every day — but especially during MLPW. Thank you for your commitment to providing insights to insurers and applicants alike.

Get a look inside our Lenexa, Kansas laboratory in our YouTube virtual tour. For more information about careers in this field, visit the ASCLS Career Center.

Series: Committed to Quality – Laboratory Accuracy

July 15, 2015 #Committed2 You

ExamOne’s laboratories test more than 15,000 life insurance specimens every day, and, as a result, manage requirements for more than $844 billion in life insurance every year. We take that responsibility seriously and relentlessly use Six Sigma practices to ensure we are providing virtual perfection in our laboratory. We know that errors and inaccurate results […]

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In 2015, I’m Committed To: Laboratory Excellence

July 6, 2015 #Committed2 You

Dawn Forst serves as the Director of Laboratory Operations for ExamOne and oversees laboratory operations for the Midwest region. Dawn and her team play a vital role in the critical testing ExamOne performs to help applicants obtain the protection of life insurance. “Each day, our laboratory processes thousands of specimen samples and we perform thousands […]

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The road to improving glycolysis rates for the industry: Tackling a 30 year challenge

July 29, 2013 Carriers

ExamOne quality is going where no other paramedical company has gone before.  Since late 2011, ExamOne has been intentional about stepping up efforts to raise the bar on quality, specifically in the area of paramedical quality.  One of the challenges inherent with insurance collections is that the majority of them are performed in a mobile […]

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Taking Quality another step further

April 30, 2013 Carriers

Last year a great amount of effort was spent by our Quality department attempting to improve the quality of services performed by our paramedical network. This inward look resulted in improved data analytics, cleaner reporting and more timely communication to the field. We are not only looking inward, but also forward. Technological improvements are driving […]

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Laboratory Quality Testing: How much are you willing to bet on quality?

September 26, 2012 Carriers

In school, a 95 percent score is an “A.”   But would you be willing to stake a bet of $10,000 or more on an outcome that may be 95 percent correct?  What if that bet was $100,000? This is not an easy bet if it were about one’s health and mortality. Healthcare demands a higher […]

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Laboratory 101: Why Your Applicant’s Labs Matter

April 24, 2012 Producers

Ever wondered what goes into the laboratory testing process once you refer an applicant to ExamOne for specimen collection? The first step in the laboratory testing process, known as the pre-analytical phase, is often taken for granted, but is an important step in ensuring specimen integrity and timely test results. Specimen Collection An examiner will […]

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Laboratory Quality and Why it Matters to You

March 22, 2012 Carriers

Laboratory testing is a vital piece of the underwriting process when issuing policies to life insurance applicants.  The quality of the laboratory chosen by an insurer should be strongly considered when making that choice.  There is risk involved in the decisions made by underwriters based on the laboratory results of an applicant.  Inaccurate results could […]

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