Insurance Physicals
Touchstone Testing LLC provides the best service available in paramedical examinations for your clients applying for life, disability, major medical and long-term care insurance. Providing a premier service for you and your clients is our primary goal.
Our professional customer service specialists and experienced technicians are continually striving to meet your needs. Touchstone provides the following services for a select group of insurance companies and their agents:
Medical History
The examiner will ask the client a few brief questions pertaining to their past medical treatments, the reasons for their visits to the doctor, the diagnosis and the result of their visits. The examiner will also get a list of the names and addresses of the client’s doctors.
Measurements
Height and Weight - Measure height and weight while the patient is fully clothed.
Measurements - For male patients only, we measure the chest upon full inspiration and full expiration and we measure the waist at the umbilicus.
Vitals
Blood Pressure - Taken in a relaxed environment while the client is at rest.
Pulse - Also taken while at rest.
Urine Specimen
The majority of examinations require a urine specimen. Please prepare your client and ask him/her to drink a glass of water approximately one hour prior to the arrival of the examiner.
Saliva
Several insurance companies require an oral fluid collection completed by swabbing the inside of the mouth.
Blood Profile
Taken only if required, a blood profile is done with sterile, disposable needles and is done one of two ways:
Dried Blood Spot - A prick of the finger will provide a small sample of blood.
Venipuncture - This method of blood draw is taken from the arm. Once the blood is taken, it is centrifuged and sent to a lab designated by the insurance company. The results will be sent directly to the underwriting department of the insurance company.
Electrocardiogram
An electrocardiogram, or EKG test, records of the changes in electrical impulses generated by the heart. Electrodes are attached to the client’s chest, upper arms, and lower legs while the client is at rest and lying on his/her back. In some cases a stress EKG test will need to be performed where the client will be asked to visit a local clinic and get on a treadmill. We will take care of scheduling the appointment for your client.
Physician Examination
Due to age and/or amount of insurance, a client is sometimes required to be seen by a physician.