| Frequently Asked Questions (click on the question to see the answer) |
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How do I know if MyParamed is approved for my Insurance company? |
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What is a paramedical exam and how long will it take? |
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Who performs the exam? |
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Where is the exam performed? |
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How do I schedule an exam? |
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What happens to the information obtained during the exam? |
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What is an electrocardiogram (EKG)? |
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Why is blood testing required? |
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Can I get an infectious disease from the blood draw? |
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How much blood is required? |
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Why is a urine specimen taken? |
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What is an oral fluid test and why is it needed? |
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| Answers to Frequently Asked Questions |
| How do I know if MyParamed is approved for my Insurance company? |
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MyParamed is approved to provide service for ALL insurance companies, either through direct relationships with those companies, or through billing relationships with directly-approved providers. |
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| What is a paramedical exam and how long will it take? |
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A paramedical exam consists of obtaining height, weight, blood pressure, and pulse measurements. Based on underwriting requirements, a short medical questionnaire, collection of blood, urine and/or oral samples may also be necessary. Undressing is not required and our certified professionals perform the examination in about 20 minutes. |
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| Who performs the exam? |
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Exams are performed by medical professionals who are trained, licensed, and/or certified according to state and federal requirements. |
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| Where is the exam performed? |
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Based on your preference, exams can be performed at either your home or work. Be sure to tell the examiner the address you would like him or her to come to. |
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| How do I schedule an exam? |
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Under direction from your life insurance agent, a paramedical examiner will contact you to set up the appointment. For more immediate scheduling, ask your agent about our online scheduling system. |
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| What happens to the information collected? |
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All information obtained during the exam is STRICTLY CONFIDENTIAL and will be used for insurance purposes only. After your specimens are analyzed in a lab, all information is sent to the insurance underwriter to aid in the underwriting process. |
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| What is an electrocardiogram (EKG)? |
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An EKG is a recording of the electrical impulses associated with cardiac contraction and relaxation. Applicants are required to lie on their backs with their shirt unbuttoned in order for leads to be placed on their chest. Women must remove stockings prior to the exam. The EKG does not cause any pain. |
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| Why is blood testing required? |
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A wide range of tests-including testing for cholesterol and triglycerides-is performed on collected blood and the results are used to aid in the underwriting process. |
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| Can I get an infectious disease from the blood draw? |
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No. Examiners perform the blood draw using only sterile materials from single-use kits. The examiner will open the kit in front of you and show you the seal being broken on the sterile needle. |
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| How much blood is required? |
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Less than one ounce of blood is drawn into 1-3 vials. Please inform your examiner if you have had previous problems such as fainting, nausea, are currently taking large doses of aspirin, or have difficulty clotting. Although most draws come from an arm vein, our examiners are trained in the most advanced, modern techniques to allow for a successful first-time draw on nearly every applicant. |
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| Why is a urine specimen taken? |
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A urine specimen provides important information for underwriting, such as blood, sugar, and protein levels in the urine. |
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| What is an oral fluid test and why is it needed? |
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An oral fluid test consists of taking a saliva sample for laboratory analysis. This is done by swabbing the inside of your mouth with cotton. In some cases, an oral fluid test is taken in lieu of blood and urine samples. These tests provide underwriters with information such as the presence of HIV antibodies. |
