As you shop for life insurance, your selection of insurance companies will likely request that you visit a paramedical examiner for a medical examination. What is a paramedical examiner, and how do they influence your policy options?
At Medical Profiles Inc., we provide detailed answers to these questions below. Discover how a paramedical examiner handles your exam and learn more about what they report to life insurance companies.
What Is a Paramedical Examiner?
A paramedical examiner is a medical professional who administers medical exams and health screenings. Life insurance companies often employ their services to help them match policy candidates with policies that best fit their health status. While some policy types don’t require a medical exam, the ones with the most extensive coverage at affordable premium rates typically do.
Some paramedical examiners only perform their exams in their designated offices. However, many examiners can bring their services to a patient’s location, making medical exams more convenient and accessible for people who cannot travel.
What Do Paramedical Examiners Do?
Most paramedical examiners obtain a phlebotomy degree to perform the delicate medical work required. Many others have extensive experience in other areas of the healthcare field.
What is a paramedical examiner doing when they conduct a medical exam for life insurance candidates?
Collect Samples of Bodily Fluids
Your life insurance company may require that you provide blood, saliva, and urine samples. The paramedical examiner will collect them before sending them to a lab for tests.
The examiner ensures each sample goes into sterilized containers before shipping them. They’ll also clean the puncture wound created by taking a blood sample.
These samples provide information about whether you use any substances or medications. They also show the presence of abnormal proteins and other health identifiers.
Take Vital Statistics
Paramedical examiners know how to read, record, and translate a person’s vital statistics. Some examples of vital statistics include:
- Blood pressure measurement
- Pulse rate
- Height and weight
- Number of births, if applicable
- Temperature
- Respiration rate
A paramedical examiner understands how to operate measurement instruments, such as electrocardiograms. They use this equipment to obtain accurate readings of your vitals throughout the medical exam.
Review a Client’s Medical History
Finally, your paramedical examiner will review your health and medical history. They may ask you numerous in-depth questions about past hospital visits, medications, and medically significant events. They may also ask about your family’s medical history to get an idea of any risk factors that would later influence your health.
Why Paramedical Examiners Are Important
Paramedical examiners have an essential role in most medical environments. Life insurance companies find their skills and services invaluable. They accurately report detailed information about a candidate’s overall health, which helps an insurance company place a new policyholder with a policy that best fits their needs.
Paramedical exams benefit the policyholders as well. For example, if you learn your overall health status is less than ideal, you might think you have to settle for whatever policy you can obtain.
However, the exam’s information allows you and your doctor to improve your health significantly within a year. You can then contact your paramedical examiner to schedule another exam. Many people improve their exam results after following their doctors’ orders. They often access better life insurance policies as a result.
At Medical Profiles Inc., Our Examiners Come To You!
What is a paramedical examiner? A paramedical examiner is a medical professional who collects data detailing your current health status. The paramedical examiners at Medical Profiles Inc. treat each client with warmth and compassion.
They can also travel to you to administer your exam! Call 832-251-3926 to schedule an appointment.
