Surviving the Paramedical Exam to Acquire Life Insurance
I don’t know how many of you have taken out a life insurance policy but I would like to strongly suggest you do so. There are many phases in life that having life insurance may make a huge difference in the lives you leave behind. If you haven’t done this, get it done. If you have, make sure it fits your current situation by getting a review every couple of years.
In order to get a life insurance policy of any real value you are going to have to submit yourself to a medical exam of some kind. The most common is a Paramedical where someone comes out to you and takes blood, urine and basic vitals. The challenge is the phone interview by the examining organization and then the scheduling to actually do the deed. Be on your toes because this simple act can get very complex.
Sitting down to do the writing of the policy was easy. The wife and I decided to each get a policy. The lists of medical questions were very long and all encompassing. We were able to answer ‘no’ to almost everything so we passed the first phase. We paid our first months due and waited for the examiner to call.
My call came in a couple of days. They let me know the call was going to take about ten minutes and then we got going. After the basic information the medical questions started. I thought the policy questions were in depth. As the questions kept coming I started to wonder what level of privacy I would have left. Thirty minutes later and completely stripped of all privacy and have laid bare my entire life the interview part finally concluded. I was beginning to wonder if the policy was worth it.
The scheduling of the exam was the next major hurdle. I have a busy life. I don’t have openings in my day between nine and five. I use all seven of my days in a week to the fullest. Generally, my day starts at 5:30am and concludes somewhere after 10pm. I have a goal of six hours sleep and struggle to achieve it. These people wanted me to fast for at least eight hours and give them a half hour in their working window. Why haven’t these people figured out that this is everyone’s working window and they need to open their schedule to other times in the day? After four different appointments that never worked out for various reasons the day finally came.
I was surprised when I opened my door to find a gentleman in his late fifties wearing scrubs with his name embroidered on his chest. He had a grumpy disposition and a takeover attitude. This was a man on a mission and no one was going to deter him from his goal. His first goal was to get blood and he had a method. His attitude and determination to stay on task was a little much. I have the bruises to prove it. My wife didn’t fare so well. His method didn’t work on her. She is well bruised and will have to go through it again.
Between the wife and me we have seen a lot of blood draws. This might have been the worst. I can’t recall ever being on the receiving side of a great one. I look like a phlebotomists’ dream. They get all excited when they look upon my veins. As their enthusiasm goes up, mine plummets quickly.
Let’s hope that after all the abuse I get my policy without a hitch.
In order to get a life insurance policy of any real value you are going to have to submit yourself to a medical exam of some kind. The most common is a Paramedical where someone comes out to you and takes blood, urine and basic vitals. The challenge is the phone interview by the examining organization and then the scheduling to actually do the deed. Be on your toes because this simple act can get very complex.
Sitting down to do the writing of the policy was easy. The wife and I decided to each get a policy. The lists of medical questions were very long and all encompassing. We were able to answer ‘no’ to almost everything so we passed the first phase. We paid our first months due and waited for the examiner to call.
My call came in a couple of days. They let me know the call was going to take about ten minutes and then we got going. After the basic information the medical questions started. I thought the policy questions were in depth. As the questions kept coming I started to wonder what level of privacy I would have left. Thirty minutes later and completely stripped of all privacy and have laid bare my entire life the interview part finally concluded. I was beginning to wonder if the policy was worth it.
The scheduling of the exam was the next major hurdle. I have a busy life. I don’t have openings in my day between nine and five. I use all seven of my days in a week to the fullest. Generally, my day starts at 5:30am and concludes somewhere after 10pm. I have a goal of six hours sleep and struggle to achieve it. These people wanted me to fast for at least eight hours and give them a half hour in their working window. Why haven’t these people figured out that this is everyone’s working window and they need to open their schedule to other times in the day? After four different appointments that never worked out for various reasons the day finally came.
I was surprised when I opened my door to find a gentleman in his late fifties wearing scrubs with his name embroidered on his chest. He had a grumpy disposition and a takeover attitude. This was a man on a mission and no one was going to deter him from his goal. His first goal was to get blood and he had a method. His attitude and determination to stay on task was a little much. I have the bruises to prove it. My wife didn’t fare so well. His method didn’t work on her. She is well bruised and will have to go through it again.
Between the wife and me we have seen a lot of blood draws. This might have been the worst. I can’t recall ever being on the receiving side of a great one. I look like a phlebotomists’ dream. They get all excited when they look upon my veins. As their enthusiasm goes up, mine plummets quickly.
Let’s hope that after all the abuse I get my policy without a hitch.
posted by ablur at 3/19/2007 09:09:00 PM
5 Comments:
Sorry you went through that with an examiner but maybe it'll be easier to deal with that memory if I give you our perspective.
This, in no way, excuses the examiner's lack of phlebotomy skills.
The insurance companies, not the agent, pays for our services. They don't pay much for all the things they expect us to do, so we are forced to treat our work as piece-work if we expect to be able to make a decent living. That means we need volume and need to be able to work quickly and be very efficient with our time. Not the greatest formula for warm and fuzzy interactions with our clients.
Trying to find a window for your appointment was probably extremely frustrating, for all concerned. When we set up appointments we have to take into account; travel time, traffic, weather, and other unknowns that we have no control over. We also have to make it work with other appointments and that means scheduling people in proximity to one another. We are paid a flat fee for the services we are asked to perform. Doesn't matter if the exam takes 5 minutes or 5 hours, and it doesn't matter how far we have to travel. We receive no compensation for those things, in fact, if a client no-shows or forgets to fast or forgets that we need a urine specimen, we have to eat that appointment time and the expenses associated with it.
You may feel like that's our problem, deal with it, but it becomes the client's problem too out of necessity. Until the insurance industry develops a conscience and starts compensating us fairly, these issues will continue.
We are self-employed and get no benefits. Most of us work early mornings, throughout the day, evenings, and weekends. How much more available can we be? And think about the time you would've spent if you had to go to a doctor's office for the exam.
I truly hope that the insurance companies adopt a different attitude soon, for the client's benefit as well as our own. What they do now is reprehensible.
I am surprised one would choose to respond in this way. I fully understand both sides of this issue. I was a license insurance agent in two states and dealt with this side. My wife is a RN and did home health sometimes having to deal with the other side.
This piece was written to demonstrate the obvious problems as you so well elaborated on in the industry. The telephone interview as lengthy as it was, was designed to verify the agent asked all medical questions and possibly jog additional memories that may be important to the insuring process. I did follow up with the insuring company as well, informing them of how dramatical different the questions were in the two cases.
I don't wish to move you from your chosen profession, but I would have preferred doing this at the doctors office. Generally, clinics have full labs and treatment rooms also being open 5 and 6 days a week. A professional atmosphere promotes a professional attitude.
I chose to respond because there are 2 sides to every story and I wanted to present the other side. I doubt, even if the insurance companies were willing to pay MDs their rates for these services, that your experience would have been vastly improved. If you found it difficult to come up with a half-hour of availability for someone who was coming to you, how much time would you have spent traveling to a doctor's office? In the waiting room? In the exam room? And, finally, for the exam?
Again, I cannot speak to your particular examiner's level of professionalism. Like in any field of work, there are good and bad. I was simply trying to illustrate the things examiners are up against in trying to perform their job. To say that a professional atmosphere begets professional behavior is offensive to those of us who do our job well. I have had many, many, many clients ask if I would apply for a job at their doctor's office, usually on the heels of comments like "that's the best blood draw I've ever had".
I also chose to comment because there are many people who could read your comments and approach the experience with a negative mindset. With those expectations it's more likely there would be problems.
My guess, from your description of events, is that you were probably very difficult to get scheduled and may have been perceived as inflexible and demanding. It's highly unusual for any client to have 5 appointments without the client being part of the problem.
I certainly don't mean this to denigrate you, but maybe someone running for president has a busier schedule and higher expectations than the general populace.
Most of the people I've dealt with have found this to be much more convenient and relaxed than going to see a physician.
Since this is really important to you, you might want to read the rest of the story. http://ablursspot.blogspot.com/2007/03/paramedical-fun-continues.html
MD's generally wouldn't have to be involved. This is a lab tech or clinic nurse issue. You are choosing to inflate the issue above the need.
I realize that there are good and bad in every career field. If my story is a worse case then anyone seeking life insurance will be prepared for the worse and enjoy so much better. I had gone though this before but it was far better.
Please don't take this as an attack against you or your fellow workers. Not every company nor every person in your field is equal.
Well this was informative from your experiences. Thanks!
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