Basic life and/or disability examination that includes: Measurement of height, weight, and blood pressure; Completion of a medical history following a life insurance pro forma; Collection of blood sample and/or urinalysis complying with chain of custody
CPT4 code
Name of the Procedure:
Basic Life and/or Disability Examination
Summary
The Basic Life and/or Disability Examination is a standard assessment used primarily for life insurance purposes. It involves measuring the patient's height, weight, and blood pressure, collecting a detailed medical history, and performing laboratory tests such as blood sample collection and urinalysis.
Purpose
The examination aims to assess the overall health and identify any potential medical conditions that could affect life or disability insurance eligibility. The primary goals are to evaluate the risk profile, confirm medical history, and ensure the applicant meets the insurer's health standards.
Indications
- Applicants for life or disability insurance.
- Individuals requiring a comprehensive health assessment for personal or occupational reasons.
- Periodic health check-ups to monitor vital health statistics.
Preparation
- Fasting may be required for a specified period (usually 8-12 hours) before blood sample collection.
- Adjustments to medications might be advised, but only under the guidance of a healthcare provider.
- Ensure all previous medical records and current medications are available for review.
Procedure Description
- Measurement of Height and Weight: The patient stands on a scale for weight measurement and uses a stadiometer for height.
- Blood Pressure Reading: An arm cuff connected to a sphygmomanometer measures blood pressure.
- Medical History Completion: The applicant completes a detailed questionnaire covering past medical conditions, surgeries, family history, and lifestyle habits.
- Blood Sample Collection: A phlebotomist draws blood from a vein, usually in the arm, following strict chain of custody protocols to ensure sample integrity.
- Urinalysis: The patient provides a urine sample, which is analyzed for markers such as glucose, protein, and other substances.
Duration
The procedure typically takes about 30 minutes to 1 hour.
Setting
The examination is commonly performed in a doctor's office, outpatient clinic, or specialized insurance assessment center.
Personnel
- Medical Assistant or Nurse: Conducts measurements and assists with the examination.
- Physician or Healthcare Provider: Reviews medical history and conducts physical examination.
- Phlebotomist: Collects blood samples.
Risks and Complications
- Mild discomfort or bruising at the blood draw site.
- Potential anxiety or stress related to medical evaluations. Rare risks include infection at the blood draw site and inaccurate measurements or documentation errors.
Benefits
- Provides a comprehensive health overview.
- Assists in determining life or disability insurance eligibility.
- Helps identify potential health issues early. Benefits are typically realized immediately upon completing the assessment and receiving results.
Recovery
No significant recovery is required. Patients can usually resume normal activities immediately after the examination.
Alternatives
- No examination: Opting out would generally result in denial of insurance coverage.
- Online health assessments: Limited in scope and less comprehensive.
Patient Experience
During the procedure, patients may feel minor discomfort during blood sample collection. Other parts of the examination are non-invasive and painless. Post-procedure, patients are advised to hydrate and can manage any slight discomfort at the blood draw site with over-the-counter pain relief if necessary.