|
A brief
paramedical examination is required as a routine part of your
application for insurance. A professionally qualified paramedical
examiner from APPS will contact you to schedule a date and time
for your exam at your earliest convenience. You may elect to have
the exam completed at your home or office. Some people prefer to
have the exam at our Westerville office. The application process
is not complete until you have completed your examination. Your
examination may consist of some or all of the following
components:
Examination
Your paramedical exam is very brief usually lasting 15-20
minutes. The exam may consist of a series of questions about your
medical history as well as measurements of your height, weight,
blood pressure and pulse.
-
Medical History – we will need your doctor’s names, addresses
and phone numbers, date and reasons for your last visits, the
diagnosis and results. The same information is required for
any hospitalizations and prescriptions.
-
Height and Weight – we weigh by scale and measure with both
clothes and shoes on.
-
Blood Pressure – taken while at rest.
-
Pulse – taken for one minute while at rest.
-
A
urine specimen is required for most exams. Please drink a
glass of water one hour prior to the exam
Blood Testing
Depending upon your insurance company, a small blood sample
may be necessary. Those applicants requiring a blood sample will
be informed by the insurance agent and the examiner. Some
insurance companies require you to fast for a certain period of
time and others prefer it. We recommend a minimum of 6-8 hours of
fasting for all applicants before completing a blood draw.
A small
amount of blood will be drawn from your arm or finger as required
by the insurance company. Only sterile disposable needles are used
to withdraw your blood specimen. The insurance company gives
instructions to the laboratory regarding specific tests to be
completed for underwriting purposes. The results of these tests
will be sent directly to the insurance company – not the examiner
or the agent. Results can only be released from the
insurance company to you or a personal physician.
Electrocardiogram (EKG)
An EKG is a recording of the electrical impulses associated
with cardiac contraction and relaxation. An EKG is a painless
procedure. Electrodes must be placed on bare skin on your chest,
upper arms and lower legs. You will need to lie either flat or
in a support and relaxed position so that an accurate reading can
be made.
You
may want to follow these helpful suggestions to obtain the best
examination results:
-
Get
a good nights rest the night before the exam. Relax 10-15
minutes prior to the appointment.
-
Avoid caffeinated beverages prior to the exam
-
Avoid smoking for at least 30 minutes prior to the
examination.
-
Be
sure to tell your paramedical examiner about any medication
you are taking non-prescription or prescription.
-
Be
aware that stress, caffeine, nicotine and some prescription
and non prescription medications can temporarily raise blood
pressure and pulse.
-
Please have available all your physicians’ names, addresses
and phone numbers as well as dates and reasons for past
visits, especially in the past five years. Be as complete as
possible.
-
Drink a glass of water one hour before your appointment to
help in obtaining a urine specimen. Also, it is easier to
obtain a blood sample from a well hydrated body.
-
Avoid any alcoholic beverages for at least 24 hours prior to
your examination.
-
Avoid exercise for one hour prior to your examination.
Strenuous activity may result in inaccurate urine/blood
results.
-
In
many cases, a fasting blood sample is required. You will be
informed if fasting is required by the insurance company. In
all cases, it is recommended that you fast 6-8 prior to the
examination. During that period you may consume water.
-
Please have a picture identification available; a driver's
license is preferred.
-
If
you have hypertensive tendencies, morning appointments are
usually best. Take medication if applicable.
-
Your place of business may not be the most conducive location
for the exam since you may be under work related stress. We
suggest scheduling the exam during a calm portion of the day.
-
If
you are unable to keep your scheduled appointment, please
notify your examiner as soon as possible.
|