FAQs

MEDICAL SERVICES

What qualifications are required of physicians and what services do they perform? Sometimes a physician is required by the insurance company to perform the examination. MedicExams contracts with physicians that have a current license, are in good standing and practice in a specialty area approved by the insurance company and MedicExams. These physicians provide services such as medical exams, treadmill EKGs, X-rays, etc. 

BLOOD TESTING

Why is blood testing required? Blood testing has been found to provide important information for underwriting purposes. A laboratory completes a wide range of tests and the results are sent only to the insurance company. 

How much blood is required? Experienced personnel draw less than one ounce of blood from a vein into 1-3 vials. You may be required to fast from 4-12 hours depending on the requirements of the insurance company. You should advice your examiner if you have had previous problems such as fainting, nausea, are currently taking large doses of aspirin, have difficulty clotting or bruise easily. 

Can you get an infectious disease from this blood draw? No. The sterile materials used are in disposable kits and used only once. The examiner will open the kit in front of you as well as show the seal being broken on the sterile needle. 

What tests will be completed? Each individual insurance company selects the tests they need for the underwriting procedure. MedicExams is requested only to collect and prepare blood for analysis; the insurance company gives instructions to the lab regarding specific tests. You are required to sign a consent form and a chain-of-custody form for your own protection. 

Who will receive the results of your test? The lab sends the results directly to the insurance company. 

ELECTROCARDIOGRAM (EKG)What is an electrocardiogram? 

It is a recording of the electrical impulses associated with cardiac contraction and relaxation. The EKG does not cause any pain. 

What should I expect? 

You will be asked to lie down flat with your shirt unbuttoned in order to place the leads on your chest. Women must remove stockings prior to the exam. 

What can I do to assist the technician to obtain a good EKG? 

The best preparation is to remain calm and totally relaxed to prevent muscle interference.