What happens during the medical exam?

The paramedical is just like going to your doctor to get a physical. However, the life insurance company knows that scheduling an appointment can be difficult, so you can choose to have the medical technician come to your home or work. The whole thing should take about 30 minutes.

The tech will perform the routine health checks you expect from your regular doctor. That means checking your pulse and blood pressure and recording your height and weight (and figuring out your body mass index). If you’re an older applicant, or you’re applying for a large amount of life insurance coverage, you may also have to undergo an electrocardiogram, or EKG, where the technician will put electrodes on your skin to measure your heart’s electrical activity.

The tech will ask you a series of health-related questions to help the insurer confirm the information on your application. Expect to get asked about the kinds of prescriptions you’re taking and what doctors you’ve seen recently.

You’ll have to take a blood test, so be ready for that if you’re afraid of needles. In many cases, you’ll have to provide a urine sample.

Common conditions the medical exam looks for:

The medical exam and the health questions you answer reveal a lot about the risk your health poses to the insurer. The less healthy you are, the riskier you are, so your premiums will be higher if you’re sicker or have a more checkered medical history. The medical exam tests for a number of conditions, including the following:

• High blood pressure. Your test could reveal the existence of beta blockers, a medication to control high blood pressure, so it’s best to bring up the beta blockers beforehand rather than try to hide your high blood pressure.
• Elevated cholesterol, which increases your risk for heart disease and stroke.
• Hyperglycemia, or elevated glucose, which could be an indicator of diabetes.
• Nicotine usage: Smoking and tobacco use are one of the major factors in determining your premium because they could cause so many health problems, from shortness of breath to various cancers. And vapers don’t get off easy, either. Nearly every insurer considers e-cigarettes in the same category as regular cigarettes and price as such.
• Recreational drugs: This one should be obvious. If you’re asking a life insurance company to pay out in the event of your untimely death, you can bet it isn’t going to look too fondly on recreational drugs, no matter how careful you are.
• HIV/AIDS and hepatitis: Along with other diseases, you’re going to be tested for these, which greatly increase the risk of insuring you to the carrier.

Preparing for the medical exam:

During or after your phone interview, the life insurance carrier will work with you to set up an appointment time. You may also schedule a time with the medical exam company who works with the insurance company, such as Bruen Medical Partners.

The first thing you can do to prepare for the paramedical exam is to be completely upfront about any conditions you have when initially applying for the life insurance policy. The underwriter will be doing his or her homework, so you’ll only delay the process if the medical tech discovers health concerns you never mentioned. Plus, your actual premiums will look much different from your quotes (spoiler: they’ll be higher) if you don’t disclose a condition upfront.

Avoid the following substances the day before the exam:

Alcohol.
Over-the-counter medication, including herbal supplements.
Caffeine, but if you need to have a daily coffee you should mention it to the examiner.
Sugar, also tough to cut, but try your best if you think it could disproportionately affect your glucose levels.
Tobacco: However, quitting smoking the day before your test will hardly nudge your premium, because signs of smoking stay in your blood for up to a week. Plus, the insurer looks at your smoking habits across the last 12 months.

On the day of the exam, try to avoid eating anything or exercising six to eight hours before the exam. For the optimal experience, Policygenius recommends scheduling your appointment in the morning so you don’t have to go hungry or skip leg day.

You should also wear comfortable clothing, the better for the tech to do his or her work. Wear a short-sleeved shirt or one with sleeves that roll up easily.

After the medical exam:

After the paramedical exam, the technician will submit your information to the insurance company to complete the underwriting process.

In addition to other factors like your age, family medical history and lifestyle, the results from the medical exam help determine your life insurance classification. From best (lowest premiums, lowest risk) to worst (highest premiums, highest risk), the life insurance classifications are Preferred Plus, Preferred, Standard Plus, Standard and Substandard.

If all goes according to plan, you should hear back with your actual quote in a few weeks’ time. However, depending on the follow-up, the process can take anywhere from three to eight weeks.

You can request a copy of your medical results. The record can be used to apply with other life insurers, if need be, or for other types of insurance, including disability insurance, for up to six months. In some ways, receiving the life insurance medical exam is kind of like getting a physician’s checkup for free, although, like a trip to your usual doctor, it does become part of your health record and could be factored into future insurance premium quotes.

In an ideal situation, you’ve already been getting plenty of exercise, watching your diet and staying clear of environmental toxins. If you’ve been keeping healthy, you’ll pass the medical exam with flying colors and score a low premium on your life insurance policy.

If you’re concerned that the results of your medical exam aren’t accurate, you can ask the insurance carrier to schedule a second exam. The results from the first don’t get expunged, but they will be combined with those from the second to create a composite. This may or may not have an effect on your premiums.

After purchasing your policy, say you spend the next year getting fit. Some carriers will let you retake the medical exam at your one-year anniversary, and if your results have improved, they may lower your rate.

Credentialing Fee: $99..Every Phlebotomist and Paramedical Examiner must take the course and pass the test! this credentialing will allow you to work with any paramedical exam company in the U.S.

Each examiner that applies to take the course and exam test will be receiving a link within a couple of days.  This link will be an application and security training link.  All examiners go ahead and complete this. 

Once you  have completed this, you will receive a 2nd link in approx. 1-2 weeks, that will be your official training to conduct insurance exams.

You MUST complete this within 30 days.  If you don't  complete this within 30 days you will have to pay a $25 credentialing fee to have a re-run of your  background check.

Paramedical Exam:

A paramedical exam is a carrier-required short health exam performed at the applicant’s convenience.

It is at no charge to the applicant, and the technician will perform it at your home or place of work, if convenient for you. During the exam, your height, weight, blood pressure and pulse will be measured. You will also be asked to provide a blood sample and urine sample. In some cases, an EKG and saliva sample will be taken as well.

Bruen Medical Partners

Phone# 845-853-0676​

Test Request Requisition Forms please fax to:

Fax# 845-232-2207

Email: info@bruenmedicalpartners.com

Corporate Office
The Government Center-3rd Floor
Village of Ellenville ~ 2 Elting Court Ellenville, New York 12428​

Bruen Medical Partners provides a full line of Paramedical services for underwriting purposes. Our affiliations with the country's top providers of examination, medical, and diagnostic testing and data information services give us the approval to do testing for all insurance companies nationwide. We gather essential health information via personal interviews and specimen collections. It is quick and easy, so let's get started.

• Paramed Exams
  
• Physician Medical Exams
  
• Blood and Urine Collection
  
• ​Saliva Collection

Credentialing Fee: $99..Every Phlebotomist and Paramedical Examiner must take the course and pass the test! this credentialing will allow you to work with any paramedical exam company in the U.S.

Each examiner that applies to take the course and exam test will be receiving a link within a couple of days.  This link will be an application and security training link.  All examiners go ahead and complete this. 

Once you  have completed this, you will receive a 2nd link in approx. 1-2 weeks, that will be your official training to conduct insurance exams.

You MUST complete this within 30 days.  If you don't  complete this within 30 days you will have to pay a $25 credentialing fee to have a re-run of your  background check.

Insurances Accepted

• Aetna 
• Aetna Better Care 
  
• Advantra (Coventry) 
  
• American Progressive Life and Health Insurance 
  
• Blue Cross / Blue Shield 
  
• Bravo Health 
  
• Capital Blue Cross 
  
• Choice Care (Subsidiary of Humana) 
  
• Cigna 
  
• Coresource 
  
• Coventry 
  

The life insurance medical exam

The life insurance medical exam confirms the details you provided to the carrier when you first applied but also uncovers new information that could affect your premium.

When you purchase life insurance, you are quoted a rate that becomes the premium you’ll pay to keep the policy in effect. Your medical history, including your current health status, is one of the most important factors insurance companies use to determine what to charge you for your coverage.

That’s why the process of determining your premium, called underwriting, almost always includes a medical exam that the insurance company uses to get a direct read on your current health.

What is the medical exam?

The medical exam, technically called a paramedical exam, is a standard part of both life and disability insurance, and it not only confirms the details you provided to the carrier when you first applied but also uncovers new information that could affect your premium.

The life insurance medical exam is free to you – the life insurance company pays for it, and you can keep your results.

• What happens during the medical exam?
• Common conditions the medical exam looks for
  
• Preparing for the medical exam
  
• After the medical exam
  
• Life insurance without the medical exam
  

• Multiplan 
  
• Prime Health Services 
  
• Procura Management Inc. 
  
• Railroad Medicare 
  
• State Farm 
  
• Today’s Options 
  
• Tricare 
  
• UMWA Health 
  
• United Healthcare 
  
• Unison 
  
• Univera 
  
• Vantage Pro 
  

Life insurance without the medical exam

Don’t want to take a medical exam for coverage? There are life insurance policies that let you skip the medical exam, but they generally tout higher premiums, since the insurer has less information about your risk of death. Here’s a quick guide to the main types of non-medical life insurance policies out there:

• Simplified life insurance: If you’re young and healthy, you might qualify for a simplified life insurance policy. You’ll likely pay a higher premium than you would for traditional term life insurance at the same coverage amount, but you’ll get coverage more quickly because you won’t have to go through so many hoops. Simplified life insurance carriers determine your premium by having you fill out a health questionnaire. The questions are geared toward your health, including whether you have any serious illnesses or habits that could affect your health. Sometimes just answering yes to any of these questions will disqualify you from receiving simplified life insurance.

• Final expense insurance: These policies are for seniors with health issues who can’t qualify for traditional term life insurance, but need a policy to help cover end-of-life costs and outstanding debts, Premiums are generally high and coverage amounts are limited. You can learn more about these policies — also known as guaranteed life insurance — .
  

Email us if you have any questions concerning your Life Insurance Exam

Life Insurance Medical Exams

Healthcare on your terms.

When it comes to healthcare, it’s time for a change. You deserve affordable, convenient, and simple solutions that empower you to be the champion of your own health.

Paramedical Examiner & Health Screener Workshop:


Paramedical Examiner/EKG Training and a certificate of completion for the Health Screening Workshop.


After this one day workshop, you will receive a certificate of completion for Paramedical Examiner/EKG Training and a certificate of completion for the Health Screening Workshop. BMP is dedicated to it's students success. Our specialized curriculum is developed by our team of healthcare professionals, a Medical Doctor, and educational experts. Our students are among those with the highest certification success rates in the entire country.


This continuing education & certification program is great for:

• Lapsed certification​
  
• Continuing education hours
  
• For individuals with 1-year experience working in the medical field that would like to become nationally certified.
  
• Healthcare facilities and nursing groups to upgrade and keep current in nursing practice.
  
• Unemployed/underemployed healthcare professionals with prior healthcare background by way of schooling or experience.
  
• For any licensed or certified healthcare professionals who are motivated to learn and enrich their lives.
  
• Students that have trouble passing their certification exam due to test anxiety.
  
• Medical Assistants & Patient Care Technicians that want to get certified in Phlebotomy & EKG in as little as 1 day!
  
• Students graduating from an allied health training program that need certification
  
• Healthcare Professionals that were trained on the job, but were never certified.
  
• Healthcare Professionals that have not practiced in a while, and need a review or refresher
  
• International Medical Graduates (IMG), Foreign Medical Graduates (FMG), and US Medical Graduates Must be a medical school graduate that successfully completed the program (do not need to be licensed in US)
  
• Veteran`s ( military medical experience)
  
• Medical Certification for International Medical Grads (IMG,FMG)
  

contact us for details.....


Bruen Medical Partners


Phone# 845-853-0676​


Test Request Requisition Forms please fax to:


Fax# 845-232-2207

Email: info@bruenmedicalpartners.com

Lab work that comes to you!

Lab work that comes to you!

Devon 

• The Mega Life and Health Insurance Company 
• Midwest National Life Insurance Company 
  
• The Chesapeake Bay Life Insurance Company 
  
• The Penn State University Health Plan 
  

Teamsters 

• Federal Blue Cross
  
• Galaxy Health Network 
  
• Gateway Medicare 
  
• Geisinger Health 
  
• Great West 
  
• Health America / Health Assurance 
  
• Highmark BlueCross / BlueShield of PA 
  
• Health Spring (Cigna) 
  
• Humana 
  
• Independence Blue Cross 
  
•  Intergroup Services 
  
• Keystone 
  
• Medicaid 
  
• Medicare 
  

Credentialing Fee: $99..Every Phlebotomist and Paramedical Examiner must take the course and pass the test! this credentialing will allow you to work with any paramedical exam company in the U.S.

Bruen Medical Partners examiners are experienced medical professionals specializing in physical examinations and personal health interviews, primarily for the life and health insurance. We operate throughout the entire state of New York and New Jersey through our network of examiners we can provide services throughout the United States. We provide regular ongoing updates through our secure web site, fax, phone or e-mail, and welcome any help with reaching clients or setting up appointments.

Our turnaround time from reception to completion averages one to three days, client permitting. We are committed to handling your paramedical exams by representing you in the best possible manner. We will do everything we can to ensure your applicants' experience is enjoyable and professional.

With BMP handling your paramedical exams you can rest assured that your applicants’ experience is enjoyable and professional. Examiners Plus Paramedical Services is continually striving to provide insurance companies and their agents with the most reliable and responsive service available in the field of mobile medical examinations. As your partner we are committed to sending professional staff to complete your medical examinations in a timely and efficient manner.

Bruen Medical Partners is committed to handling your paramedical exams by representing you in the best possible manner. We will do everything we can to ensure your applicants' experience is enjoyable and professional.

When we receive an order we immediately assign an examiner in close proximity to your client. Upon assignment, the examiner is responsible for contacting the client within 24 hours to schedule the exam. Working with your client's schedule, our examiner's goal is to have the exam scheduled and completed as quickly as possible. Our examiners instruct and inform your clients on ways to make sure they have most accurate results on the exam.

Let us give you and your clients the personal service you both deserve.

A typical exam usually consists of a paramed, urine, and blood collection. With the basic paramed the examiner will obtain a medical history, physical measurements including height, weight (chest and waist measurements for males), as well as blood pressure and pulse readings. Occasionally a resting EKG may be required. These basic service required by the insurance company are routinely performed by our examiners.

When the exam has been completed, the examiner sends the information per the insurance company's instructions, to the appropriate assigned lab, agent / agency, or directly to underwriting.

All lab specimens are always sent overnight express to the insurance company's designated lab for analysis.

Cancer Screenings, Paramedical Exams DOT /NON DOT Drug testing and DOT Physical Exams

​​  (845) 853-0676

info@bruenmedicalpartners.com

Bruen Medical Partners​