Florida Health Insurance Definitions

Florida Health Insurance Terms:
"Paramedical Exam"

Define: "Paramedical Exam"

A brief physical examination the insurer typically requires of applicants during the underwriting process. The exam is usually performed by a registered nurse at a time and location convenient to the applicant. The exam usually consists of measurements (e.g. height/weight, blood pressure, and heart rate), body fluid samples (e.g. urine, blood) and a medical history questionnaire. The insurance company pays for the exam.

A paramedical exam consists of some questions about your medical history, measurements of your height and weight, blood pressure and pulse. A urine specimen is also collected. Undressing is not required and the exam usually lasts 20 to 30 minutes. Your application for insurance is not complete until we have obtained this necessary information.

Why will a urine specimen be collected?

A urine specimen will always be collected during a paramedical exam. The tests done are determined by the insurance company and are performed by a laboratory. The test results will be sent only to the insurance company and are used in the underwriting process.

What happens to this information?

All of the information obtained during the paramedical examination is strictly confidential and for insurance purposes only. It will be forwarded to the insurance company for review to help evaluate your individual policy.

How is the appointment made and where?

Portamedic will call you to schedule a date, time and place convenient for you. You may elect to have the exam completed at your home or office, or many people prefer to come to our location. You make the decision to fit your schedule

More Examples of Paramedical Exam:

More than 60% of elective surgery procedures in the United States are currently performed as "outpatient surgeries." Health experts expect this percentage will increase to nearly 75% over the next decade.

WARNING -- In order to obtain accurate information, it is recommended you:

  • Fast for 8 hours prior to the appointment.
  • Be prepared with a picture ID at the time of the exam.
  • Limit salt and high-cholesterol foods 24 hours prior to the exam.
  • Avoid strenuous exercise 12 hours prior to the exam.
  • Refrain from drinking alcoholic beverages for at least 12 hours prior to the appointment.
  • Drink a glass of water one hour prior to the appointment.
  • Limit caffeine and nicotine one hour prior to the appointment.
  • Provide names and dosages of current medications.
  • Have available names, addresses and phone numbers of any doctors or clinics visited in the last 5 years.
  • Get a good night of sleep prior to the examination.
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