What To Expect

Congratulations on your decision to apply for insurance. As part of the application process, you will take part in a paramedical examination. Below are the answers to the most frequently asked questions about the paramedical process:

What is a Paramedical Exam?

A paramedical examination is a personal interview to collect information about your medical history. This information allows the insurance company to perform a comprehensive evaluation of your current health. The exam usually includes the 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 for the applicant’s age and insurance amount.

Where is the exam performed?

ExamOne paramedical professionals perform examinations at one of our convenient ExamOne or Quest Diagnostics locations. If desired the exam may be performed at your home or workplace. You choose the time and place most convenient for you.

How long will the examination last?

The examination time is dependent on the number of necessary services. Below are typical examination estimates:

• 15 to 20 minutes for personal history interview (length varies according to medical history)
• 10 to 15 minutes for blood draw and urine collection only
• 25 to 35 minutes for personal history interview, blood draw and urine collection
• 35 to 45 minutes for personal history interview, blood draw, urine collection and EKG

What if blood has to be drawn?

If a blood sample is required by the insurance company, a medically trained ExamOne professional will perform the collection. Only single-use, sterile, disposable needles are used to collect the specimen and vinyl gloves are always worn.

What is an EKG?

If an electrocardiogram (EKG) is required by the insurance company, it will be performed at the time of the examination. An EKG records electric impulses of the heart. Testing is usually complete in less than 10 minutes.

What happens when the exam is complete?

The paramedical examination and any additional requirements are forwarded to the insurance company. The underwriter at the insurance company will then review your interview and test results. You will be contacted if additional information is required. After underwriting is completed, your agent will contact you to review your coverage.

Any specimens obtained during the examination are sent to Quest Diagnostics 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. If you have any questions regarding your application or your test results, please contact your insurance agent or the insurance company.

How do I obtain my laboratory test results?

You may obtain a copy of your results by contacting your agent or insurance company.