paramedical exams

You trust us to handle this important step in your client’s journey to protecting their family, but how are the health data for life insurance policy collected? It’s likely that if you’re not sure of some of this terminology, neither are your clients. We’ve found that key information about the process shared by you, as their trusted agent, can help reduce anxiety and manage expectations. Eliminating unknowns can ease your client’s mind and help ensure a quicker path to an issued policy.

Collecting health data

Your life underwriter will often require a paramedical exam and additional data collection points. A paramedical examination is a personal interview with your client to collect information about their medical history. This interview may be performed over the phone, online and/or in-person at the time of their examination. The additional data points may include a Motor Vehicle Report, Attending Physician Statements (medical records) or a detailed prescription history.

The interview is a brief phone call to gather information about your client’s medical history. This can take 15-40 minutes, depending on one’s medical history (e.g. diagnoses, prescriptions). Your client can prepare for a more efficient call by compiling their prescription list, any significant health dates or surgeries and detailed contact information from their primary care provider.

The next step is typically the medical exam. The examination usually includes a recording of height, weight, blood pressure and pulse. The exam may also include the collection of blood, urine, oral fluid, and an EKG and/or X-ray, depending on the insurer’s underwriting guidelines based on a client’s age and insurance amount. If an interview was not completed, your client may be required to complete a medical history interview at the exam appointment. A checklist of do’s and don’ts can be found on our website, to help your client prepare for their exam.

When it comes to the exam appointment, we offer many options for your client’s convenience. In addition to our extensive national network of mobile examiners, we offer over 2,000 locations where the exam can be done in a medical setting. If your client is squeamish or dreading having blood drawn, you may want to encourage them to schedule a mobile exam at home where they can be most comfortable.

Additional data requirements

Although collecting Attending Physician Statements (APS or medical records) can add more time to the process, we’re here to help things go as quickly as possible. Please advise your clients that some cases may take 30-45 days (especially when a special release is required). We are implementing a special authorization tool that will allow us to collect the authorization at the time of the interview in an effort to reduce the number of days to obtain an APS. Please note that if your client has a potential diagnosis in progress, any new treatments or assessments may delay an underwriting decision as new data are created and accessed.

What happens next?

The paramedical examination and any additional requirements are forwarded to the insurance company. Any specimens obtained during the examination are sent to our laboratory or another designated laboratory and the results are forwarded to the insurance company for assessment. ExamOne professionals are not aware of the tests performed on the specimen(s) at the laboratory and do not receive the test results.

Tools to help prepare

There are many resources available from ExamOne that can help you walk through the process with your clients and prepare them for the best possible result. These include applicant brochures, a printable checklist, and short videos on our ExamOne YouTube channel. Please visit our website at MyExamOne.com to find the materials best suited for you and your clients.

If your client has health conditions or habits that may impact their insurance rating, you may be able to ease their concerns. ExamOne does not make underwriting decisions, rather we serve as an impartial third-party health data collection service. The data collected allows the insurance company to evaluate the potential risk in insuring the client. Any health information we collect is handled carefully and delivered confidentially to the insurance company. Some companies have expanded their products to include coverage for people with certain conditions, so we recommend gaining an understanding of your client’s general health before applying so you can get a head start on gathering the best product options designed to fit them.

Be sure to have a conversation with your client to help demystify the application process and help them prepare for the best possible outcome. If you have any questions or need help accessing our support resources, please contact your local ExamOne sales representative or visit our website.

Read additional articles in this series: https://blog.examone.com/learn-more-life-insurance-application/

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.


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