Tips for Underwriting (2).sdr

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Volios Group LLC TIPS for Ensuring Accurate Paramed Results Having your clients follow some simple guidelines prior to their paramed examination is key to ensuring accurate results. It may also improve their underwriting rating, possibly save them money, increase their insurance coverage, A D make you look like a true insurance expert. Following these tips will help your client attain the most favorable and accurate exam results: Fast for 4-8 hours prior to the exam and try to schedule the exam for the morning, prior to eating Limit salt and high-cholesterol foods 24 hours prior to the exam Refrain from drinking alcoholic beverages for at least 24 hours prior to the exam (alcohol consumption can increase fat in blood and liver functions) Limit caffeine and nicotine 24 hours prior to your exam (caffeine and nicotine can increase blood pressure, cholesterol) Smokers- should not smoke for at least 30 minutes prior to exam (tends to constrict artery walls and elevate blood pressure) Drink a 12 oz glass of water one hour prior to the exam Get a good nights sleep prior to the exam (at least 6-8 hours) Helpful Reminders for Clients Have a photo ID at time of the exam Provide names and dosages of current medications Provide any history of problems associated with providing a blood sample Women - please mention to the examiner if you are menstruating at the time of the exam Have information cards available, including member numbers, for any current health insurance Have available names, addresses and phone numbers of any doctors or clinics visited in the last five years. Please verify the last visit to physician Tell the examiner if exercise is a regular activity Tell the examiner if vitamins are taken on a daily basis If your client has experienced one of the following impairments, follow these additional guidelines: HYPERTE SIO URI ARY SPECIME PROBLEMS Schedule a morning exam Empty bladder right after meal Have the examiner take blood pressure after the client has had a chance to relax (three attempts at 10 minute intervals) Take usual medication CORO ARY/ EKG PROBLEMS Avoid stimulants (caffeine, alcohol, cigarettes) Avoid stimulants (caffeine, alcohol, cigarettes) Drink a 12 oz glass of water before the exam Avoid sweets and foods with sugar content before the exam DIABETES Notify the examiner of condition Empty bladder right after meal Drink 12 oz glass of water before the exam Schedule the exam for 2 1/2 hours after a meal (no sweets or sugars after the meal), but if blood is being drawn, fast for 4-8 hours prior to the exam Volios Group, LLC 115 Valley St, Lower Level, South Orange NJ, 07079 Avoid strenuous exercise, such as running, for 24 hours prior to the exam Don't hesitate to contact a Volios Underwriter with any questions you may have specific to Paramed Exams 1-866-762-1025 Please remember the importance of educating your clients with this information. Office 1-866-762-1025 Fax 1-866-408-1439 info@voliosgroup.com

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