Paramedical exam for insurance

Several years ago I applied for life insurance and instead of going to a doctor for an insurance exam, the insurance company sent a nurse or physician's assistant type person to my home for the checkup. I had had a full physical exam for insurance in a doctor's office several years before that so didn't know what a paramedical exam would be. It was not much compared to a regular physical.

The nurse or whatever she was arrived at my house and brought a small suitcase of equipment with her. She went over a medical questionnaire with me and got me to sign it. Then she asked me for urine sample and gave me a plastic cup with a lid that I took to the bathroom to fill. She did not watch me do it. She said that she needed to do an EKG and that I needed to lie down somewhere for that. I said that I could use the couch but she said that I needed to take my shirt and pants off because of the various places where she needed to attach the EKG sensors so the couch worked if I thought that no one could see in the windows. I was surprised about taking my pants off but undressed to my underwear and she offered a paper sheet that covered me from my lower chest to my knees. The paper sheet provided more cover than I usually had during a physical exam but I was still a little embarrassed to be in my briefs under this small paper drape. She did the EKG and I got dressed. The nurse also took a blood sample.

The whole thing took 30 minutes including the questionnaire. I had another EKG another time in a doctor's office and I only took my shirt, shoes and socks off for that one. For this paramedical EKG she put the sensors higher on my legs so I guess that she thought that she could not roll my jeans up enough to run the sensors and the wires to where she needed them to be. This paramedical exam was not a physical exam. She checked nothing, examined nothing, and other than putting the sensors on my chest, arms, and legs, she didn't touch me, which was fine with me. I was just surprised about getting undressed in my own home.

Probably if you increase the principal amount of coverage on your policy, you would get a full physical exam. I know that sometimes when I increase the amount of coverage on my life or disability policies, it sometimes triggers the company to require a full physical and for lower amounts of increase, I have gotten the kind of process you went through. I have had a couple of full physicals for insurance done by physician's assistants. In my experience, these practitioners take more time and are more thorough than MDs or DOs. I also find it more embarrassing since they are really only technicians and, I feel, somewhat marginally qualified to examine me.

My girlfriend's cousin, I'll call her Sarah, came over recently for a visit. She is a very attractive woman, 28 years old with auburn colored hair and blue eyes. She has a killer figure from hitting the gym regularly. My gf and her lift weights together and jog together regularly. Sarah and her husband, whom I'll call Adam, own a successful small business and had gone to the bank for a rather large loan to expand their business. The bank required them to substantially increase their life insurance policies as part of the stipulations for the loan. I think the life insurance policy was in the seven figure range. Anyways, Sarah tells my gf that the insurance company sent them letters telling them that they have to go to a local occupational health clinic for physicals. This place primarily does preemployment physicals and such, but the insurance company contracts with them for insurance physicals. I was in the next room and could hear Sarah tell my gf what happened that day. I'll repeat what Sarah said verbatim, and tell it from her perspective.

So Adam and I get forms for the physicals in the mail. They were just health and family history forms we had to fill out prior to our appointments. We had made our appointments back to back for first thing in the morning, so we could get back to work as soon as we could. We arrived and soon Adam was called back, and I was called back about five minutes later. The nurse took my vitals, had me give a urine sample, had me remove my high heels for the height and weight check, then told me to undress and put on a paper vest, opening in front, and sit on the end of the table and cover my lap with a paper drape. She left and I thought to myself this physical can't be THAT thorough, so I removed my blouse and skirt, took off my bra, and left my panties and thigh top stockings on, because you know how they won't stay up very well if you take them off then put them back on without washing them first. I was hoping he wouldn't really notice the stockings since they were the nude colored type. I wasn't thinking ahead apparently when I got dressed that morning! I put on the vest opening in front. Talk about short! It reached to my belly button, that's it! I sat on the table and put the little paper drape on my lap. My gf replied to Sarah that clinic must get those from the same supplier as my doctor, I have to wear the same thing at my physicals! Now back to Sarah's perspective.

So the doctor comes in and he seems rushed. He quickly went over my history forms and asked a bunch of questions. Then he does all the usual things, eyes, ears, throat, listen to heart and lungs. Then he did a breast exam, which I sort of expected. Then I had to lie back for the abdominal exam. If he noticed my stockings when I laid back, he didn't say anything. He checked my abdomen all the way down to my panties, and actually went under them feeling all the way to my pubic bone! He then told me to sit up. At this point I think it's all done, then he drops a bombshell. He says that a policy this large requires a full pelvic exam, including a pap smear, and a digital rectal exam with a hemoccult test. I was speechless! I could barely utter a no way, really? The doctor showed me the physical exam form the insurance company gives them to use. Right there in black and white, in a section that says females only, were the words pelvic exam, pap smear, rectal exam and results of hemoccult test! The doctor told me to remove my panties, but I can leave my stockings on if I want to. I told him if I had known that I was going to have a pelvic today, I wouldn't have worn a skirt and stockings! So I took the drape off my lap and placed it on the table, got up and slipped my panties off and placed them on my skirt that was on a chair. As I walked back to the exam table I felt so self conscious walking around in just the paper vest and my shiny stockings. I'm sure the doctor was enjoying the show. When my back was to him he probably checked out my ass and legs. You know that feeling you get when someone is watching you. I sat up on the table and put the drape back on my lap. The doctor pulled out my nemesis, the evil stirrups, and I lie back, ass hanging over the end of the table, legs spread wide. I looked at my thighs and calves and saw the sheen of my stockings. Even though I was extremely embarrassed, I thought how good my legs looked! Those gym workouts have really paid off. Anyhow, the doctor pushes the drape up my tummy and he pokes and prods me, and the nurse hands him the specs. I could tell this doctor doesn't give too many pelvic exams. Boy was he rough! My doc is so good you can hardly tell that you're being examined, but this guy is jamming the specs into me! He takes the pap then closes the specs ALL the way and pinches me! I yell ouch and he says sorry, then pulls them out while I'm still being pinched! I yell ouch louder and he says sorry again. I could tell he was embarrassed for messing up like that. Then he roughly puts two fingers in me for the bi manual exam, and pushes down really hard on my lower abdomen. He manipulates my uterus and ovaries to the point of pain. I was ready to kick this quack in the head! Then he finally takes his fingers out, puts on new gloves lubes up and without warning pushed his finger up my ass so fast I gasped really loud. He mutters for me to relax, yeah right! It's bad enough this is my first rectal exam, but to have it done by a rough doctor with big fingers just sucked! He spends what feels like five minutes in me probing all around, finally takes his fat finger out of me and smears his finger on a card the nurse was holding. He tells me there's no sign of any blood in my stool. I thought can this get any more embarrassing and degrading? Finally he tells me to sit up. He tells me everything checks out fine, that I can get dressed and stop at the lab down the hall for some blood work. The nurse handed me some moistened towelettes to clean up with and they left. I cleaned up and I couldn't get dressed fast enough. After the blood work I met Adam at the car. I got in and he said wow, what a thorough physical. I said I bet you mine was more thorough. He told me that he was expecting a hernia check, but not a testicular exam, and certainly not a rectal exam. The doc even checked my penis! I told him what was done to me, and he said you win.

Sarah was this descriptive of her exam because she isn't shy, she tells my gf every little detail about everything, and my gf is the same way. It must be a family trait, but it usually works out for me, for I get to hear these treats from time to time, and I can share them with everyone on this wonderful website with like minded people! I hope everyone enjoyed this post.

My gf had a life insurance exam that basically included nothing but bp , weight and pee test...

Mine was done by a nice looking woman who came to my house. I sat on a kitchen chair as she asked me lots of questions. She then took my blood pressure, putting the cuff over my long sleeve shirt. She then listened to my heart through my shirt. She looked at my eyes with a scope, then had me tilt my head so she could look in my nose. She then looked into my ears and mouth. Next she asked me to roll up my sleeves so she could check for needle marks. She put a rubber band around my upper arm and drew blood. She then said, "Almost done. I just need a urine sample. Let's go to your bathroom." She took a specimen cup and followed me to the bathroom. I thought she was just going to hand me the cup and tell me to pee, leaving me alone. Instead, she said, "The company requires that I observe the specimen collection to make sure there is no substitution of sample. Go ahead and lower your trousers and undershorts to your knees, facing me." I asked if this was really necessary and she said it was the rule. I did as she told me, feeling very embarrassed. She then said, "Lift your shirt above your waist." She then handed me the cup and said, "Be careful not to touch your penis to the inside of the cup and fill the cup at least halfway." I tried but could not pee. She then turned on the water in the sink. I was able to go immediatley. She smiled and said, "that does the trick every time." I handed her the cup and pulled my shorts and pants back up.

When we had our insurance it was in our house- weight/bp/urine (no one watched) and some ?'s. Took little time and no undressing

When i had my insurance exam it was just my pulse, blood pressure check, urine sample and blood work all done at my house.