How to Prepare For Your Insurance Medical
We recommend that you schedule your appointment for the morning, preferably before breakfast, and that you fast in advance.
What is a paramedical exam?
A paramedical examination is an interview designed 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 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.
Estimated examination time
It should take 10 to 20 minutes for blood draw and urine, 20 to 30 minutes for paramedical exam, blood draw and urine; and 30 to 45 minutes for paramedical exam, blood draw, urine and EKG.
What if blood has to be drawn?
If a blood sample is required by the insurance company, a medically trained professional will perform the draw. Most companies use single-use sterile, disposable needles to collect the specimen, and vinyl gloves are worn.
What is an EKG?
An electrocardiogram (EKG) records the electric impulses of the heart, and the test is usually complete in less than 10 minutes. If an EKG is required by the insurance company, it may be performed at the time of the examination.
What happens when the exam is complete?
The paramedical examination and any additional requirements are forwarded to the insurance company. Specimens obtained during the examination are sent to a designated laboratory and the results forwarded to the insurance company for review.
In order to obtain the best possible results, we recommend that you:
- Fast at least 8 hours prior to the appointment.
- Limit salt and high-cholesterol foods 24 hours prior to the exam.
- Avoid strenuous exercise 12 hours prior to the exam.
- Refrain from drinking alcoholic beverages for at least 12 hours prior to the appointment.
- Drink a few glasses of water prior to the appointment.
- Provide any history of problems associated with providing a blood sample.
- Have available names, addresses and phone numbers of any doctors or clinics visited in the last 5 years as well as current medications.
- If you are a woman, let the examiner know if you will be menstruating at the time of the appointment so that a better time may be arranged.