Most Common Questions and Answers about Paramed exams

Often times my clients have asked me what happens when you have a paramed exam and a related question when would I need a doctors exam or an ECG?

For most people time is money, so they want to know how long does a paramed exam take?

Answer: Usually 15-30 minutes.

What is the paramed going to do?

Answer: They will at a minimum take your blood pressure, height weight, urine sample and also draw a blood sample which may or may not require you to fast for 12 hours before the exam. They also will ask you a series of medical questions about your family history and your personal medical history. (Don't lie to the examiner the test will show any conflicts) If you are applying for a larger face amount you may have to also have an ECG done which the examiner will have a portable machine to do that for you.

When do you need a doctors exam?

Answer: Similar to the ECG requirement it is usually required for people who are older or for clients requesting large face amounts of insurance.

How much does this cost?

Answer: he exam cost nothing to have done and you will get all the results back which you can then share with your doctor.

Why do I need to get this done?

Answer: Bottom line the insurance company doesn't want to take on any unnecessary risk, and frankly you don't want them to either because if their funds run short, claims take longer, the company's customer service suffers, and they may go out of business all these things are not good. Underwriting and the exam will allow the insurance company to rate you and if you are in shape and healthy that will result in lower premiums.

Where can the exam be done?

Answer: The exam can be completed either at home or at work often times the examiner may be able to see you Monday through Friday between 7am and 8pm or even on Saturdays.

Hopefully that cleared up some things for you folks out there. Medini Financial strives to provide insurance and financial answers in Ephrata and Lancaster County. Check us out on facebook and become a fan just search Medini Financial.