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killexams.com gives the latest and up in order to date dump with Real MSNCB Exam Questions plus Answers for most recent subjects of Medical MSNCB Medical-Surgical Nursing Certification Examination. Practice our MSNCB braindumps in order to Improve your understanding and pass your own examination with Higher Marks. We assure your success within the Test Middle, covering each associated with the parts associated with examination and developing your understanding associated with the MSNCB exam. Complete with our real MSNCB questions.

Exam Code: MSNCB Practice exam 2023 by Killexams.com team
MSNCB MSNCB Medical-Surgical Nursing Certification
Our affiliated professional association, the Academy of Medical-Surgical Nurses, offers the Medical-Surgical Nursing Certification Review Course. It is a 2-day course designed for nurses preparing to take the Certified Medical-Surgical Registered Nurse (CMSRN®) Certification Exam.



In order to meet the varied needs of nurses and facilities, AMSN offers the course in a number of live and independent study formats, including bringing it to your facility or accessing it through the AMSN Online Library.



An alternative to nurses preparing for the CMSRN exam is the Focused CE Series, a collaboration between AMSN and nurse.com. The Focused CE Series is a blended learning model that combines weekly online CE course readings, weekly live webinar presentations, and an online forum for information exchange and networking with peers.



1. Helping Role

- Maintain an environment in which patient confidentiality is assured.

- Assess patient's level of comfort/pain.

- Act as an advocate to help patient meet needs/goals.

- Acknowledge, respect, and support emotional state of patient and/or family as they experience and/or express their emotions.

- Assist patients to achieve optimal level of comfort, using an interdisciplinary approach.

- Modify plan of care to achieve patient's optimal level of comfort, i.e., pharmacological interventions, heat, cold, massage, positioning, touch, etc.

- Provide a therapeutic environment, considering privacy, noise, light, visitors'/providers' interaction with patients.

- Provide culturally competent patient care, including education.

- Support family involvement in accordance with patient's wishes regarding caregiving and decision making.

- Assess for potential for self-harm.

- Identify need of patient/family for support systems/resources and make appropriate referrals.

- Work on behalf of patient/family to help resolve ethical and clinical concerns.

- Coordinate care across multiple settings.

- Identify, acknowledge, support, and facilitate patient/family decisions regarding end-of-life care.

- Identify signs of domestic or intimate partner violence.

- Assess and provide for spiritual needs of patients and families.

- Identify ethical issues in clinical practice and facilitate a resolution with patient, family, and staff.



2. Teaching/Coaching Function

- Assess the patient's and family's readiness and ability to learn.

- Identify barriers to learning.

- Prepare/educate patient for transition in care, e.g., discharge to home or other facility.

- Provide information and rationales related to diagnosis, procedures, self-care, prognosis, wellness, and modifiable risk factors.

- Utilize opportunities for spontaneous education.

- Encourage patient's and family's participation in establishing educational goals.

- Develop and implement an individualized teaching plan for patient and/or family.

- Evaluate and modify teaching plan based on achievement of pre-established and ongoing learning needs.

- Assist staff in identifying educational needs of patients and their families.

- Assist staff in selecting/developing educational materials appropriate for intended learner(s).

- Teach patient and family about available community resources.



3. Diagnostic and Patient Monitoring

- Conduct and document a comprehensive baseline assessment.

- Anticipate patient's response to treatment and monitor for potential problems.

- Reassess patient based on established standards of care at appropriate intervals.

- Interpret results of laboratory and diagnostic studies and take appropriate action.

- Use invasive and non-invasive methods to collect data.

- Analyze all patient data in formulating a plan of care.

- Participate in medication reconciliation at transitions of care.

- Anticipate the patient's response and needs related to physiological, psychosocial sexual, spiritual, and cultural aspects of his/her illness.

- Prioritize identified problems and modify the plan of care to achieve the best possible outcomes.

- Develop an individualized plan of care congruent with patient goals.

- Identify purpose and appropriateness of diagnostic studies.



4. Administering and Monitoring Nursing Interventions

- Administer medications accurately and safely.

- Identify subtle changes in patient's assessment to prevent deterioration of patient status.

- Assess patient's level of consciousness.

- Monitor patients for therapeutic responses, reactions, untoward effects, toxicity, and incompatibilities of administered medications.

- Implement measures to ensure adequate oxygenation and gas exchange.

- Monitor and implement measures to prevent alterations in skin integrity.

- Initiate, maintain, and monitor intravenous therapy.

- Identify, document, and report deviations from expected findings.

- Monitor for signs and symptoms of complications of disease processes.

- Implement measures to address threats to patient safety, e.g., falls, seizures.

- Maintain patent airway.

- Maintain integrity and prevent infection of invasive drainage systems, e.g., catheters, percutaneous drains.

- Implement measures to maintain adequate hydration and electrolyte balance.

- Provide care to patients on continuous cardiac monitoring.

- Use adaptive/assistive devices for mobility, immobility, positioning, and comfort.

- Interpret cardiac rhythm strips.

- Monitor for complications of musculoskeletal trauma and surgical procedures.

- Perform a neurovascular assessment, e.g., extremities, flaps, grafts.

- Provide optimum nutrition during hospitalization, allowing for cultural and individual preferences.

- Identify and implement transmission-based precautions based on patient's history and symptoms.

- Monitor effectiveness of nutritional interventions.

- Develop and implement a wound management strategy.

- Care for patient receiving IV patient-controlled analgesia

- Perform central line dressing change.

- Administer heparin drip

- Apply and/or monitor devices used to immobilize affected area, e.g., cast, splint, collar, etc.

- Care for patient receiving epidural analgesia

- Provide care for patients who have chest drainage systems.



5. Effective Management of Rapidly Changing Situations

- Recognize signs that a patients condition is deteriorating and take appropriate action.

- Obtain appropriate orders to address a change in the patients condition,

- Determine priorities in rapidly changing situations.

- Use existing guidelines/protocols/policies to respond to changing patient situations, e.g., hypoglycemia, wound dehiscence.

- Use existing guidelines/protocols/policies to respond to urgent and emergent situations, e.g., acute chest pain, stroke.

- Initiate basic life support.



6. Monitoring/Ensuring Quality Health Care Practices

- Communicate effectively to the healthcare team.

- Question/clarify orders as appropriate.

- Incorporate evidence-based practice into the patient's plan of care.

- Coordinate and/or participate in interdisciplinary activities to ensure consistent patient outcomes, e.g., core measures.

- Report system failures, e.g., chain of command, equipment, safety, medication administration, computer systems.

- Assist nursing staff in incorporating evidence-based practice and quality improvement into practice.

- Participate in quality improvement activities.

- Identify clinical problems for further investigation.



7. Organizational and Work-Role Competencies

- Practice in accordance with the rules and regulations of the state board of nursing in state(s) of licensure.

- Adhere to the Scope and Standards of Medical-Surgical Nursing Practice.

- Utilize electronic/computer resources to optimize patient care.

- Set priorities based on assignment, unit, and institutional needs.

- Act as a professional role model.

- Participate as an active member of the interdisciplinary healthcare team.

- Delegate patient care assignments based on competency levels and scope of practice of healthcare team members.

- Act as a resource for other nurses on the unit.

- Provide collaborative, interdisciplinary, coordinated care.

- Incorporate strategies that support effective team dynamics in a caring and nurturing environment.

- Evaluate own practice based on established standards of care.

- Evaluate nursing care based on outcome criteria.

- Recognize unsafe work practices (nurse/patient ratio, ergonomics, standard precautions, etc.) and intervene appropriately.

- Identify, develop, and implement strategies to reduce readmissions.

- Use the chain of command appropriately.

- Serve as consultant to nursing staff and other disciplines.

- Coordinate and/or participate in interdisciplinary activities to ensure consistent patient outcomes, e.g., core measures.

- Identify, develop, and implement strategies to decrease length of stay while improving patient/family/staff satisfaction and patient care.

- Provide expert support to unit educators, preceptors, and nurse managers.

- Follow institutional policies and procedures in response to an internal or external crisis or event.

- Serve as preceptor/mentor for students and staff.

- Assist with data collection (e.g., patient outcomes, nurse-sensitive indicators).
MSNCB Medical-Surgical Nursing Certification
Medical Medical-Surgical exam Questions
Killexams : Medical Medical-Surgical exam Questions - BingNews https://killexams.com/pass4sure/exam-detail/MSNCB Search results Killexams : Medical Medical-Surgical exam Questions - BingNews https://killexams.com/pass4sure/exam-detail/MSNCB https://killexams.com/exam_list/Medical Killexams : Frequently Asked Questions The Committee on Admissions usually recognizes undergraduate credit for Advanced Placement courses when indicated on a transcript. AP coursework is acceptable for prerequisites except for Biology and Chemistry courses. Upper-level coursework may also be used to fulfill the course requirements. For the most up-to-date policies on requirements, please visit our MSAR page before submitting the secondary application. Wed, 14 Jun 2023 21:57:00 -0500 en text/html https://www.slu.edu/medicine/medical-education/md/admissions/frequently-asked-questions.php Killexams : Life Insurance Medical Exams: What You Need to Know

Buying life insurance is important to protect loved ones. But consumers purchasing a policy may need to undergo a life insurance medical exam. Here's what's involved in a life insurance exam, as well as some insight into why this is a common requirement.

What is a life insurance medical exam?

A life insurance medical exam is a physical that is typically requested by a life insurance company. It's part of the process of buying life insurance in most situations. The purpose is to provide insurance companies with the information they need to set premiums. Life insurers usually pay for it, and there is both a verbal questionnaire and a physical exam.

Medical questionnaire

How do life insurance companies check an applicant's medical background? Generally, by asking questions as part of the life insurance application process. During the life insurance exam, consumers will be asked about their past health status. They'll be asked questions about their lifestyle and social habits, as well as their general health.

Physical exam

A life insurance physical is part of a life insurance application process. During the life insurance physical exam, the medical professional performing the process will check weight, collect a blood and urine sample, and check blood pressure.

Why do life insurance companies require an exam?

Life insurers require an exam because insurance companies want to assess the likelihood of paying out claims. To do this, the insurance company wants to know as much as possible about an applicant's physical health.

The insurer wants to see if the potential policyholder has medical conditions that could make their death during the term of coverage more likely. The insurance company also wants to make sure an applicant isn't hiding any possible health issues.

Is an exam required for life insurance?

A life insurance medical exam is required by most life insurance providers -- but not all. A small number of life insurers offer term life insurance with a reasonable amount of coverage without requiring a medical exam. They've harnessed new technologies and algorithms to determine who to cover.

There are also some guaranteed issue life insurance policies that provide coverage without mandating a life insurance medical exam. However, coverage limits are often low with these policies. There may also be restrictions such as a lengthy waiting period before the full death benefit is paid.

What do life insurance companies test for in the medical exam?

When a potential policyholder undergoes a life insurance health exam, the purpose is to identify red flags that could make insuring a policyholder too risky. While there may be slight variations in what different insurers test for when a consumer undergoes a life insurance exam, here are some common things insurers look for.

High blood pressure

High blood pressure is a common life insurance test, as high blood pressure can increase the risk of heart attack, stroke, or other cardiac issues.

Blood sugar

As part of a life insurance blood test, insurers may look for elevated blood sugar that could be indicative of diabetes. Diabetes also comes with health risks that could result in a higher risk of an insurer paying out a death benefit.

Nicotine use

Smoking increases the risk of many medical problems, including various types of cancer. As a result, a life insurance medical exam will involve an assessment of current and past nicotine use. Many carriers offer life insurance for smokers, though premiums are significantly higher.

High cholesterol

There's a higher risk of a stroke or heart disease when a person has high cholesterol. A life insurance exam will test cholesterol levels.

Recreational drugs

The use of recreational drugs is a major risk factor that life insurers consider. An exam will look for evidence of recreational drug use. However, some insurers are willing to accept marijuana users, especially as more states have relaxed the laws on cannabis.

Serious diseases

Finally, life insurers use blood tests to look for serious diseases. This can include conditions such as HIV or AIDS, as well as hepatitis. While some insurers provide coverage for people with HIV, others don't -- and a serious illness could make it impossible or expensive to get life insurance.

How to prepare for the medical exam

It's important to follow the life insurance company's instructions when preparing for a life insurance medical exam. These may include fasting prior to the exam to avoid skewing blood sugar and cholesterol levels.

Drinking water prior to the exam can help flush toxins from the body and dilate veins, making it easier for the technician to draw blood for the blood test. It's also a good idea to avoid strenuous exercise immediately before the exam to avoid elevated blood pressure.

Also, consumers should review their medical history to ensure they can provide accurate, honest answers when asked about their health status. Failing to provide accurate information could result in an insurance company denying an application, canceling the policy, or refusing to pay death benefits.

What happens during the life insurance physical?

During the life insurance physical, a medical professional is typically dispatched to the applicant's home or office. The process will take around 45 minutes or less and will include a nurse or medical technician asking questions, as well as a physical examination. The life insurance exam usually includes:

  • A height and weight check
  • A blood pressure check
  • The collection of blood and urine samples

Other ways life insurance companies get information about you

In addition to a life insurance medical exam, insurers may also employ other techniques to find out information about a potential policyholder's health status. This could include checking your records with the MIB (formerly the Medical Information Bureau), which includes information from past life insurance and health insurance applications. Other potential sources of information include your prescription drug history, driving records, and a criminal background check.

Do life insurance companies call your doctor?

Life insurers generally do not directly ask questions of a person's doctor. Instead, the insurer will ask an applicant for medical information and will arrange for a life insurance medical exam to be conducted by a medical professional of its choosing.

In many cases though, with the permission of the policyholder, an insurer may request medical records from an applicant's doctor's office. It may request an attending physician statement (APS), which is a statement from your provider that gives context about any pre-existing conditions or your general health. However, doctors cannot just disclose patient information to a life insurer without the patient's permission, as doing so would violate federal laws protecting privacy.

Do life insurance companies check medical records?

Life insurance companies may request medical records during the underwriting process. They do this to determine if a policyholder was honest in their answers to medical questions and to look for red flags that could suggest an increased risk of providing coverage. They must obtain permission from the applicant first.

Do life insurers check your credit?

Life insurers may run a credit check. This is more common with life insurance companies that use algorithms and publicly available information to approve people for policies without a life insurance medical exam.

What happens after the exam?

In most cases, insurers will already be aware of any medical issues based on the information provided by the applicant. However, sometimes abnormalities will be uncovered and an insurer may request additional medical assessments. For example, if a life insurance exam shows high blood pressure, the insurer may request a follow-up test to see if it has remained elevated.

Applicants can request a copy of their results after the exam. The information will be sent to the insurer's underwriting department, which will review the results of the life insurance medical exam. Based on this information, the insurer will set premiums. Applicants will then be notified of whether they are approved for coverage and what their premiums will be.

What if I'm not happy with the results?

If an applicant isn't happy with the results of a life insurance exam, there are a few options:

  • Buy coverage anyway, even if the premiums are higher, and request reconsideration after some time passes. This has the benefit of allowing the applicant to get immediate protection.
  • Shop for life insurance from another company. This may result in the same issues arising. But some insurers are more forgiving than others of various medical conditions.
  • Request a follow-up exam. Often, an applicant will have to pay for this if the insurer is satisfied that the results of the initial testing were accurate.
  • Work with a life insurance agent. Insurance professionals often know which carriers are likely to offer coverage to those with pre-existing conditions.

What if I'm denied coverage?

If an applicant is denied coverage after a medical exam, they can:

  • Attempt to correct the issues resulting in the denial, such as by quitting smoking or getting high blood pressure under control with medication.
  • Shop with other insurers that may have less stringent qualifying requirements for similar coverage.
  • Obtain a guaranteed issue life insurance policy that doesn't require a medical exam.

How to get a life insurance medical exam

To get a life insurance medical exam, apply for insurance coverage. The insurer will arrange for the exam to occur at its own cost. The medical exam will take place at the applicant's home or workplace.

Options for life insurance without a medical exam

There are several options for no medical exam life insurance, some of which are better than others. Note that even if you have an underlying health condition, undergoing a medical exam could still help you obtain more coverage at a lower cost.

Simplified issue life insurance

With simplified issue life insurance, you can typically avoid a medical exam. Instead, life insurance companies base decisions on third-party records and your answers to a health questionnaire. Sometimes this is a good option for people who need coverage to begin right away and can’t wait for a life insurance medical exam and full underwriting.

Guaranteed issue life insurance

Guaranteed issue life insurance is life insurance that is available to everyone regardless of medical status. Many insurers offer these policies, although they often have relatively low coverage limits. Many guaranteed issue policies have waiting periods, such as a two-year delay until the full death benefit pays out.

Group life insurance

Group life insurance may be available as a workplace benefit. It's often possible to obtain a set amount of coverage through an employer's group life insurance plan without a life insurance medical exam.

Final expense insurance

Final expense insurance is a small life insurance policy designed to cover funeral costs. Most final expense insurance policies are guaranteed issue policies. That means no life insurance medical exam is required. However, these policies provide limited protection. They only help families cover a small amount of costs after a death.

RELATED: See The Ascent's guide to the best life insurance with no exam.

 Mon, 14 Aug 2023 23:56:00 -0500 Christy Bieber en text/html https://www.fool.com/the-ascent/insurance/life/life-insurance-medical-exam/ Killexams : Medical College Exam: Four more doctors arrested over question leak

Four more doctors have been arrested in Khulna over the leak of question papers of the centralised medical college admission test, said police's Criminal Investigation Department yesterday.

The arrestees are Lewis Sourav Sarkar, 30, Mustahin Hasan Lamia, 25, Sharmistha Mondal, 26, and Nazia Mehzabin Tisha, 24.

Speaking to this newspaper, CID Additional Superintendent of Police (media) Azad Rahman said the four were arrested from different parts of Khulna on Saturday and Sunday.

They were brought to the capital and produced before a Dhaka court yesterday that sent them to jail, he added.

Earlier in the day, their family members at a press briefing in Khulna said that the four doctors were picked up on August 18 by plainclothes men, who identified themselves as CID officers.

They said they visited the CID headquarters in Dhaka, but the officials didn't provide any information about their whereabouts or why they were detained, reports UNB.

On August 13, CID told a press briefing that it arrested 12 members of a "question paper leaking racket", from Dhaka, Tangail, Kishoreganj, and Barishal.

Of them, seven are physicians, including Yunusuzzaman Khan Tarim, 40, the owner of Three Doctors Coaching Centre in Khulna, who was arrested Friday.

The CID in a press release yesterday said it found transactions of Tk 25 crore in the bank accounts of Dr Tarim and his wife.

Dr Tarim engaged in leaking medical college entrance exam question papers and arranged illegal admission of numerous students to government medical colleges, it added.

Dr Lewis is an alumnus of Khulna Medical College and a teacher at Tarim's coaching centre. Currently, he works as a medical officer at an NGO.

Dr Lamia stood 11th on the national merit list for the medical college admission test during the 2015-16 session. She was a student at Tarim's coaching centre.

However, despite her impressive result in the entrance exam, Lamia initially failed in all subjects of the four final professional examinations. She later passed the exams after several attempts.

There were allegations that Lamia's husband, Sheikh Osman Gani, paid Tk 15 lakh to Dr Tarim to secure Lamia's admission, the CID claimed.

Additionally, the admissions of Dr Sharmistha and Dr Nazia to Khulna Medical College raised suspicions, as they allegedly acquired leaked question papers from Dr Tarim, the CID also claimed.

So far, the number of arrests in the case now stands at 28, with 14 of them giving confessional statements before a Dhaka court.

The CID has been investigating the case since July 2020, when they first busted the medical question leaking racket.

The racket leaked question papers at least 10 times between 2001 and 2017, earning crores of taka, CID chief Mohammad Ali Mia said at a press briefing at the CID Headquarters last week.

The people who have been arrested helped hundreds of students to enrol in medical colleges through illegal means, he added.

The question papers of medical and dental college admission tests were leaked repeatedly from the printing press under the Directorate General of Medical Education (DGME), according to the CID.

One Jasim Uddin Bhuiyan Munnu was the mastermind of this racket.

His cousin Abdus Salam, a machine operator at the DGME press, used to leak questions for many years, with help from influential DGME officials, while Jasim used to spread the leaked questions all over the country, using a strong network, said CID officials.

 Mon, 21 Aug 2023 09:52:00 -0500 en text/html https://www.thedailystar.net/news/bangladesh/crime-justice/news/medical-college-exam-four-more-doctors-arrested-over-question-leak-3399876 Killexams : NCLEX: What Aspiring Foreign Nurses Need To Know About The Exam No result found, try new keyword!The National Council Licensure Examination (NCLEX) is an essential step for foreign-educated nurses who want to practice in the United States. But what exactly is the NCLEX, and what does it entail? Mon, 27 Feb 2023 21:17:24 -0600 en-us text/html https://www.msn.com/ Killexams : 5 Best No-Medical-Exam Life Insurance Companies

Final Verdict

All of the companies on this list represent good options for getting life insurance without a medical exam. All are A+ rated or better for financial strength and have received fewer complaints than expected when averaged over a three-year period. If you don’t need more than $3 million in coverage and are 50 or younger, any company on this list could be a good fit. But if you’re over 50 and looking for a death benefit of more than $1 million, you can rule out Nationwide. If you’re over 60, your only option for high-coverage no-medical-exam life insurance is Penn Mutual. And regardless of your age, Penn Mutual is your only option if you need a death benefit greater than $5 million and don’t want to take an exam.

If you’re looking for term coverage, try Penn Mutual or Pacific Life; for dividends, Penn Mutual or Guardian. If you want free living benefits, look to Nationwide. And if you’d like a wellness plan with your life insurance, John Hancock delivers.

How To Choose a No-Medical-Exam Life Insurance Policy

Term life insurance is designed to last for a specific number of years, such as 30, and then expire. Permanent life insurance is designed to last your entire lifetime, and is therefore more expensive than term. You may also want to combine term and permanent policies to have a higher-coverage term policy during your working years or while you’re raising a family, and then a lower-coverage permanent policy that will kick in once the term coverage expires.

Term policies let you choose the length of the term (a 40-year term is the longest we’ve seen), and often provide the option to convert your term coverage to permanent. Permanent policies have a cash value, which may be accessed via withdrawals and loans.

Once you’ve figured out your budget and the general type of coverage you need, you should begin to get quotes from financially stable companies with track records of good customer satisfaction. 

If you want a no-exam life insurance policy, it may be helpful to know that most of the 91 companies we reviewed offer some sort of policy that doesn’t require an exam. You’re best off first finding a good company (or a few you like), and then seeing what kind of policy you can get without an exam. This list and our rankings of the best life insurance companies are both good places to start. And be sure to compare multiple quotes for no-exam life insurance because some policies are cheaper than others (depending on the type of no-exam underwriting used).

A number of companies offer life insurance policies without requiring a medical exam, but you’ll generally be eligible for the lowest premiums with those that ask thorough health questions on the application. 

More Ratings of Top Life Insurance Companies

Frequently Asked Questions

  • Most any type of policy is eligible for no-exam underwriting. It used to be that if you wanted to skip the exam, only low-coverage insurance policies were available to you. These are still available and sold as burial or funeral insurance, or guaranteed-issue policies. But now, insurers have a number of sophisticated means by which to collect health and other information, so they don’t need to rely on your exam. Plus, it costs them money to administer it and time to receive and review the results. No-exam underwriting allows insurance carriers to issue life policies faster, which is often good for both the customer and the insurer.

    So whether you’re looking for term or permanent coverage, a whole life policy or an indexed universal life policy, it’s available somewhere without a medical exam. But not all companies offer no-exam life insurance on all or even any of their policies, so you’ll need to do some research to find one that does. (The companies in the list above are an excellent start.) The one caveat is that not everyone is eligible for no-exam underwriting. If you have health issues that raise red flags for the insurance company, you may be required to undergo a medical screening to complete your application.

  • Yes, if it's a policy with a cash value. No-exam life insurance policies are just like regular life insurance policies. The only difference is that a medical screening is not required during the application process. Once approved, the policy functions just as it would had you taken an exam. So if you’ve purchased a permanent life insurance policy that builds a cash value, that cash value will be available to you, subject to any surrender period or other standard policy conditions.

  • Choosing the best life insurance policy for you depends on your life insurance needs. How much coverage do you need? (Ideally, you’ll get enough to pay off your debts and replace your income, at the very least.) How long do you need it for? Your needs may change once your kids are grown and your home is paid off, for instance. The next question to ask is, how much premium can you afford?

Methodology

In order to compile our list of the best no-medical-exam life insurance companies, we developed a comprehensive life insurance methodology. We started off by researching what consumers want from life insurance companies, and for that, we looked to third-party consumer studies, including J.D. Power’s 2021 U.S. Life Insurance New Business Study and the 2021 Insurance Barometer Study, by Life Happens and LIMRA.

With those findings in mind, we gathered more than 50 data points on 91 life insurance companies, including ratings for financial strength, customer satisfaction, and customer complaints, as well as information about years in business, online tools, no-exam options, dividends, maximum issue ages, and available riders. 

Our review process gave preference to companies with solid financials, few customer complaints, high no-exam coverage amounts available, high-issue ages for no-exam coverage, and a broad product portfolio. Companies received ratings boosts for online resources, including online quotes and live chat, and included living benefit riders. We ranked each company according to the following categories and weights.

  • 28%: No-med-exam availability and features
  • 20% Policy types and features
  • 15%: Financial stability 
  • 15%: Customer satisfaction
  • 13%: Ease of application
  • 9%: Online resources

To finalize our list, we compared individual offerings between top companies by considering ratings from third parties such as AM Best and J.D. Power, and delving deeper into product specifics—including cost and the availability of dividends. We used this research to determine the best no-medical-exam life insurance companies.

 Mon, 12 Oct 2020 06:49:00 -0500 en text/html https://www.investopedia.com/best-no-medical-exam-life-insurance-5078737 Killexams : Foreign medical graduates (FMGs) and foreign medical graduate exam (FMGE): FAQs No result found, try new keyword!Foreign Medical Graduates ... with the test. The exam happens twice a year, which gives them ample chance to clear the exam. They must also go through previous years’ questions, and follow ... Fri, 28 Jul 2023 16:32:00 -0500 en-us text/html https://www.msn.com/ Killexams : What Is No-Exam Life Insurance?

There’s a lot to consider when you’re buying life insurance, not to mention the hassle of getting a medical exam, which most policies require. If you’re looking for a simpler, quicker alternative, no-exam life insurance may be a good fit.

A traditional life insurance policy typically involves a battery of tests and may take more than a month to come into place. If you’re one of the 6 in 10 Americans that have a

chronic condition like diabetes or heart disease, you may end up paying thousands extra—if you can find a policy at all. 

By contrast, no-exam policies can be done online usually in just a few days. “Medical exams can be off putting,” says Mark Scafaro, co-founder of Afficiency, an insurance technology company. “No-exam life insurance is a great alternative for customers who aren’t interested in completing a medical exam—or waiting weeks for an underwriting decision.”

To be sure, no-exam policies have their drawbacks. While it’s generally easier to get approved, there is no ensure you will be. Coverage limits also tend to be far lower. And because the insurance company has less insight into your health, you will almost certainly pay more. 

Still it’s no secret these have become more popular. Here is what you need to know.

Types of no-exam life insurance 

No-exam life insurance is usually a term policy, which means you typically pay a premium to be covered for a specific term such as 10, 20 or 30 years. Afterward the insurance ends. But there are whole life policies, which stay in place as long as you maintain premiums, available as well.

Here are several common types:

Simplified Issue

You can be approved for this type of life insurance policy with minimal medical questions and no exams. Coverage starts as soon as your application is submitted and you’ve selected a premium.  

Guaranteed Issue

As its name suggests, guaranteed issue life insurance is a type of whole life policy that guarantees you won’t get denied when you apply. You’ll skip all the health-related questions as well as a medical exam. However, these policies tend to have a long waiting period of around two to three years and a lower death benefit ranging from $2,000 to $25,000. 

Accelerated Underwriting

Accelerated underwriting relates to the process underwriters use to approve your application for insurance quicker. This is commonly used with no-exam life insurance and involves using third-party data and algorithms to determine a person’s approval rate and premium. Accelerated underwriting policies tend to have a coverage limit of $1 million and for anything higher, you’d need a medical exam. 

When no-exam life insurance makes sense 

No-exam life insurance may be a good choice if you are:

  • Healthy but you don’t want to see a doctor and be examined
  • Not in the best of health but you still want to get life insurance 

Traditional life insurance typically requires an in-person medical exam that involves drawing blood and collecting other samples, along with a review of your body-mass index, medical conditions and whether you smoke or drink alcohol. “It can be a rigorous process,” says Susana Zinn, an independent life insurance agent based in Miami. “Even an inch or two in your height could impact your BMI and premium rate during the medical exam,” she adds.

With no-exam life insurance you’ll still need to answer a few basic questions and disclose any medical conditions you have. No-exam life insurance doesn’t ensure coverage, but it’s more forgiving. “Having some major health issues or risk factors in your history such as nicotine use, high blood pressure or high cholesterol, can make you a strong candidate for no-exam,” says Zinn.

No-exam life insurance can also make sense if you are young and healthy–and simply looking for a hassle-free way to get insured quickly. While you may pay slightly more, your premiums are likely to be low regardless of what kind of insurance you pick, so the convenience may be worth the trade off. Keep in mind no-exam life insurance policies tend to have smaller coverage limits than traditional policies, so the option works best if you are looking for a policy that pays less than $500,000.

How much does no exam life insurance cost?

With a term insurance policy—which is far more common for no-exam life insurance, your premium is often lower and fixed for the duration of the term length. With a permanent or whole life insurance policy, your premiums will be higher but stay the same so long as you keep the policy. 

The cost of life insurance depends on several factors including your:

  • Age and gender
  • Medical and family history
  • Height and weight
  • Smoking and tobacco use
  • Where you live
  • Job and hobbies 

Because life insurance pricing is based on so many individual factors, it’s difficult to find data about average prices. However, here are some representative quotes provided by Quotacy through Bestow Life Insurance.

Age For a woman For a man
30 $202 $297
40 $327 $462
50 $667 $882

Quotacy through Bestow Life Insurance

How to get no-exam life insurance

There are a few ways to shop for individual no-exam life insurance:

Online 

Online is a great place to start, and you can quickly find quotes from well-known national brands, as well as startups like Bestow, Haven Life and Fabric, which are usually backed by major insurance companies. If you want guidance you can find Buy Side from WSJ’s picks for Best Life Insurance companies here.

Most of what you find online will be term life insurance options, but some major companies like Nationwide or Progressive will offer whole life insurance options as well. To get a quote, you’ll have to submit a form that includes some basic information about yourself including your name, ZIP Code, height and weight, and gender.

Experts recommend gathering at least three quotes to determine how much no-exam life insurance would cost based on your demographic. “No two life insurance companies are alike, meaning one company may rate someone a smoker if they use smokeless tobacco while another won’t,” says Brian Carden, a Brentwood, Tenn., insurance and financial advisor.  

After receiving a quote, a representative from the insurer’s site may call you or you’ll be directed to continue completing an application form online. 

Financial advisor

If you work with a financial advisor, your advisor should be able to consider all aspects of your financial life to pick a policy that works for you. But remember some financial advisors earn commissions for selling insurance so they will have an incentive to recommend certain insurers and policies. 

Working with a fee-only and fiduciary advisor means they won’t earn a commission and are more inclined to prioritize acting in your best interest. It’s always wise to ask a financial advisor if they have specific partners or earn commissions for making certain recommendations early on. 

Life Insurance Agent 

A life insurance agent sells policies for a living, so they can be some of the most knowledgeable professionals out there. While insurance agents traditionally work in person, there are also online brokers like Sproutt, if you prefer a digital experience.

Like many financial advisors, insurance agents typically work on commission which means they might have an incentive to recommend products that pay the highest commissions. They earn a commission that can range from 40% to 100% of the first year’s annual premium, along with a 2% to 5% commission each additional year when the policy renews. 

In addition, some life insurance agents work with only one insurer or a handful of insurers, meaning they may only present you with a narrow slate of options. Other agents are “independent” meaning they have a broader reach and can help you get a policy with any life insurance company. 

Your employer

You may already have free no-exam life insurance through your employer. Check with your human resource department to see if life insurance is an employee benefit and what your coverage is. 

Usually, your policy amount is equivalent to one year’s salary and your policy is only active so long as you remain an employee of the company. So keep in mind, if you need a higher coverage amount or don’t plan to stay at your job forever, this is when you should consider a policy from a private company. 

Steps to sign up for no-exam life insurance

Once you pick a company and policy that you’re happy with, it’s time to move forward and sign up for life insurance. All in all, signing up for a no-exam life insurance policy should take one to three days at most. Here is how the process works in four steps.

  1. This process starts with an application that you can submit either online or in person depending on the company. 
  2. You’ll need to enter your basic information such as your name, address, workplace and so on. You will also need to verify your identity by uploading a copy of your ID or driver’s license. During the application process, you may also be asked a few basic medical questions. 
  3. Once your application is submitted, it will go into underwriting. Remember, with a no-exam life insurance policy, underwriting is often accelerated or may even be automated.
  4. When underwriting is complete and your application is approved, you’ll sign papers to confirm the policy so it will go into effect. At this time, you may make your first premium payment as well. 

The advice, recommendations or rankings expressed in this article are those of the Buy Side from WSJ editorial team, and have not been reviewed or endorsed by our commercial partners.

 Fri, 16 Dec 2022 01:32:00 -0600 en-US text/html https://www.wsj.com/buyside/personal-finance/no-exam-life-insurance-01670089737 Killexams : Best No Medical exam Life Insurance of August 2023

Our experts answer readers' insurance questions and write unbiased product reviews (here's how we assess insurance products). In some cases, we receive a commission from our partners; however, our opinions are our own.

Many of the best life insurance companies offer no-exam life insurance, which has the obvious appeal of skipping medical exams. But don't conflate no medical exam with no medical history.

Even the most liberal underwriters evaluate risk based on preexisting medical conditions and other known risk factors. So as an applicant, you might answer many of the same questions you would for a standard life insurance policy.

Next Step: Compare life insurance quotes for free.

You just don't have to set aside time to check your blood pressure, cholesterol, and other health markers with a licensed medical professional. For older applicants, this could mean skipping more invasive tests like an EKG. We're here to clear up common misconceptions and help consumers find the best no medical exam life insurance options.

Compare No exam Life Insurance Companies

Haven Life

3.87/5
A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

JD Power Customer Satisfaction Rating

780

AM Best Financial Strength Rating

A++

Haven Life

3.87/5
A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

JD Power Customer Satisfaction Rating

780

AM Best Financial Strength Rating

A++

Haven Life

Details

JD Power Customer Satisfaction Rating

780

AM Best Financial Strength Rating

A++

Pros & Cons Killexams : Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.
Additional Reading Killexams : Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

AARP Life Insurance

4.12/5
A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

AARP Life Insurance

4.12/5
A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

compare policies and rates with Policygenius

AARP Life Insurance

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Additional Reading Killexams : Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

USAA Life Insurance

4.37/5
A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

JD Power Customer Satisfaction Rating

881

AM Best Financial Strength Rating

A++

USAA Life Insurance

4.37/5
A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

JD Power Customer Satisfaction Rating

881

AM Best Financial Strength Rating

A++

compare policies and rates with Policygenius

USAA Life Insurance

Details

JD Power Customer Satisfaction Rating

881

AM Best Financial Strength Rating

A++

Pros & Cons Killexams : Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.
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Prudential Life Insurance

4.75/5
A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

Features & Discounts

Offers aggressive financial plans.

JD Power Customer Satisfaction Rating

773

AM Best Financial Strength Rating

A+

Prudential Life Insurance

4.75/5
A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

Features & Discounts

Offers aggressive financial plans.

JD Power Customer Satisfaction Rating

773

AM Best Financial Strength Rating

A+

compare policies and rates with Policygenius

Prudential Life Insurance

The aggressive financial plans offered by Prudential may appeal to many younger buyers and those with a stable income. However, those with lower income or buyers who aren't sure about the financial system may be more hesitant to engage with Prudential. Like many other industry giants, Prudential is working to change this perception.

Details

Features & Discounts

Offers aggressive financial plans.

JD Power Customer Satisfaction Rating

773

AM Best Financial Strength Rating

A+

Pros & Cons Killexams : Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.
Additional Reading Killexams : Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Ethos Life

4.37/5
A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

JD Power Customer Satisfaction Rating

Not Rated

AM Best Financial Strength Rating

A

Ethos Life

4.37/5
A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

JD Power Customer Satisfaction Rating

Not Rated

AM Best Financial Strength Rating

A

compare policies and rates with Policygenius

Ethos Life

Details

JD Power Customer Satisfaction Rating

Not Rated

AM Best Financial Strength Rating

A

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Mutual of Omaha Life Insurance

4.5/5
A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

JD Power Customer Satisfaction Rating

795

AM Best Financial Strength Rating

A+

Mutual of Omaha Life Insurance

4.5/5
A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

JD Power Customer Satisfaction Rating

795

AM Best Financial Strength Rating

A+

compare policies and rates with Policygenius

Mutual of Omaha Life Insurance

Details

JD Power Customer Satisfaction Rating

795

AM Best Financial Strength Rating

A+

Pros & Cons Killexams : Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.
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AAA Life Insurance

4.7/5
A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

JD Power Customer Satisfaction Rating

844

AM Best Financial Strength Rating

A

AAA Life Insurance

4.7/5
A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

JD Power Customer Satisfaction Rating

844

AM Best Financial Strength Rating

A

compare policies and rates with Policygenius

AAA Life Insurance

Details

JD Power Customer Satisfaction Rating

844

AM Best Financial Strength Rating

A

Pros & Cons Killexams : Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Why You Should Trust Us: How We Chose the Best No exam Life Insurance

The coverage and riders offered are vital parts of our evaluation. We also look at the speed of payouts, customer satisfaction, and financial strength ratings. All of these factor into the immediate and long-term performance of the life insurance companies we review.

If you're looking for more information about a specific life insurer, our individual reviews offer a deep dive into individual policies, riders, and more. The same considerations are used for all competitors to ensure readers have the edge to make informed decisions in an ever-changing market.

See our insurance rating methodology for more details.

No Medical exam Life Insurance FAQs

A no medical exam life insurance policy could be right for you if you're able to qualify and don't need special coverage. These policies are the easiest to get for young applicants with no significant health issues. Older applicants can buy with some companies, but acceptance is not guaranteed. No medical exam policies offer less coverage with higher premiums in most cases. If you do not qualify for the no medical exam policy you want, insurance agents can help you explore alternatives. 

No medical exam means life insurance companies will not check your blood pressure, cholesterol, etc. However, companies have access to prescription history and other personal records, and underwriters base decisions partly on this history.

You'll have to decide whether you prefer a whole or term policy based on your situation if you're getting no medical life insurance. A term policy has an expiration date, and extensions or conversions to a whole life policy are not guaranteed. If anything, your rate may be higher if you try to convert your policy. The insurer looks at you just as it would any other applicant of your age, health, etc. A whole life policy locks in premiums and payouts.

There are alternatives to a new medical exam life insurance policy. Insurance agents can quote you medical exam policies if you're denied a no medical exam option. An experienced agent may be able to assess your application before starting the process to avoid official denials. If you're concerned about premium limits, you can explore options like IUL (indexed universal life) for permanent life insurance that increases your benefit as long as you make premium payments.

A no medical exam life insurance policy may hold a certain appeal for older applicants and those in failing health. However, the life insurance market is the opposite of what you might expect. These policies are best for young people (typically under 50 years old) in good health. The no medical exam process is often more efficient, streamlining your approval, and life insurance companies can only do this with low-risk applicants.

If a provider sees red flags that might disqualify you, it won't necessarily prevent you from getting coverage. Instead, the agent would most likely offer to run more conventional life insurance quotes for you.

Guaranteed issue life insurance policies do not require a medical exam. This type of life insurance is typically limited to people ages 50 or older, and the tradeoff is that policies are usually more expensive than ones that do require a medical exam. That said, if your health conditions would otherwise prevent you from getting a life insurance policy, guaranteed issue insurance is a useful option, and it's offered by a variety of insurers including AIG, AAA, New York Life, and Gerber Life.

Yes, you can really get life insurance without a medical exam, but your options will be different. That's because you'll need to choose a guaranteed issue policy — a specific type of insurance that lets you bypass the medical exam requirement — and it will probably cost more than a regular policy including a medical exam.

The highest amount of life insurance you can get without a medical exam is lower than what you could get with a medical exam. Guaranteed issue policies that don't require medical exams typically top out at $25,000 or $50,000 in coverage, while standard life insurance policies can offer millions in coverage.

Haven Life No Medical exam Life Insurance

Haven offers term policies for healthy adults with limits as high as $3 million. For those who prefer to avoid a medical exam, the limit is $500,000. The Haven Simple no medical exam policy is available in all states except California, Delaware, South Dakota, North Dakota, and New York. All applications are filed online. Accelerated death benefits are available with this policy if you become disabled, and riders can be added to eliminate future payment obligations if you become disabled.

Haven Life exclusively sells online policies with limited payouts. So if you're looking for larger benefits, extensive financial planning, or agent support, it may not meet the mark. However, its quick online application and ease of use has significant appeal for many people.

  • Health questions: Yes
  • Coverage limits: Up to $500,000
  • Age: 20-55
  • Waiting period: Two years
  • Unique feature: Accelerated death benefits available with paperless processing

Haven Life Insurance Review

AARP No Medical exam Life Insurance

AARP caters to senior clients for insurance and many other financial products. Older adults between 50 and 74 may qualify as long as they are AARP members. Term policies are available with limits up to $150,000 in most states. Montana and New York residents may be eligible for up to $100,000. Whole life policy limits max out at $25,000.

Whole life policies can be issued without any health exams or medical questions. The term policies, on the other hand, may ask some health questions.

  • Health questions: For term life policies, but not whole
  • Coverage limits: Up to $150,000
  • Age: 50-74
  • Unique feature: No medical exam policy caters to older adults

AARP Life Insurance Review

USAA No Medical exam Life Insurance

Military members and their immediate family members may qualify for competitive banking, insurance, and other financial services through USAA. Pricing is lower, payouts are higher, and customer service is strong. Of course, these services are only available to military and qualifying family members. For the children of a deceased military member to use any USAA products, the military member would need to be signed up before their death.

Guaranteed whole life policies are available in 49 states, excluding Montana. USAA life insurance coverage is available from $2,000 to $25,000 with no medical exam or questions. Applicants who want higher coverage limits can explore medical exam policy options with a licensed agent.

  • Health questions: No
  • Coverage limits: Up to $25,000
  • Age: 45-85
  • Waiting period: Two years
  • Unique feature: Below-market product costs available for military members and qualifying family

USAA Life Insurance Review

Prudential No Medical exam Life Insurance

Prudential offers up to $3 million in coverage for term life policies. Adults up to 60 years old are eligible for coverage with a short application involving some medical questions. For younger applicants, conversion options may also be available later to make term policies into whole life policies. However, due to the higher limits, Prudential's application process may also be longer.

  • Health questions: Yes
  • Coverage limits: Up to $3 million
  • Age: 20-60
  • Waiting period: Two years
  • Unique feature: High expert and customer rankings with a trusted provider

Prudential Life Insurance Review

Ethos No Medical exam Life Insurance

One of the benefits of term life insurance is lower premiums for higher coverage. No medical exam life insurance is no exception. Like no medical exam policies, term policies are geared toward younger applicants looking to save money. Ethos accepts applicants up to age 65 with a 100% online application process. Limits are as high as $2 million.

Ethos Life asks a few basic medical questions, but coverage is effective immediately once approved. In addition, every customer buying policies like this from Ethos Life is eligible for a 30-day look period, which is another way to say you can cancel and get your money back in the first 30 days with no penalties.

  • Health questions: Yes
  • Coverage limits: Up to $2 million
  • Age: 20-65
  • Waiting period: May apply
  • Unique feature: Instant quotes available with a streamlined online application

Ethos Life Insurance Review

Mutual of Omaha No Medical exam Life Insurance

Mutual of Omaha has high financial stability and customer satisfaction ratings across different types of insurance. Guaranteed life policies are available for adults between the ages of 45 and 85. In New York state, the age range is 50-75. Policies can be as small as $2,000 in most states and as large as $25,000 with no health questions or medical exams.

Mutual of Omaha's no medical exam policies have a graded death benefit. If you die within two years of the policy start date, the company will not pay the full policy. Instead, it delivers 110% of the premiums paid. The Mutual of Omaha website boasts same-day payouts on most policies. Policies for children are also available.

  • Health questions: No
  • Coverage limits: Up to $25,000
  • Age: 45-85 (50-75 in New York State)
  • Waiting period: Two years
  • Unique feature: Company website lists same-day payment on most claims

Mutual of Omaha Life Insurance Review

AAA No Medical exam Life Insurance

AAA offers immediate death benefits for qualified applicants between 18 and 75. In other words, once your policy starts, you are eligible for the full policy benefit. Policies are available with limits as low as $25,000 and as high as $500,000. While a medical exam is not required, health questions are.

AAA offers term policies with limits as high as $500,000. For a whole life policy, the limit is $25,000. But applicants can add a rider doubling the payout for accidental death coverage. Younger people have no waiting period for benefits. For applicants over age 45, AAA pays out 130% of the premiums paid up to the date of death for the first two years.

  • Health questions: Yes
  • Coverage limits: Up to $500,000 term/$25,000 whole
  • Age: 18-75
  • Waiting period: Applies after age 45
  • Unique feature: Death benefit available regardless of the cause of death

How to Pick the Best No Medical exam Life Insurance Policy for You

Particularly when choosing life insurance, customization is critical. Buyers don't need to add every rider, but a little research goes a long way in selecting the right company. Some applicants will not qualify for a no medical exam life insurance policy. A life insurance agent can help you run quotes that make sense for you. Then agents can offer realistic insurance policy options and review the costs and benefits of each.

Asking friends and family which insurance agent they use could be your first step to finding the right life policy. Factors like age, medical history, and financial goals play key roles in your decision. So we do not recommend asking loved ones about individual policies. Instead, let a qualified insurance professional find the best policies for you.

Lina Roby

Insurance Editor, LIA, MLO

Lina Roby (she/her) was a Personal Finance Insurance editor at Insider. She covered pet, travel, auto, and other common insurance products. She is also a licensed property & casualty insurance agent. Her goal is to help readers make informed decisions for all their insurance needs and plan for the unexpected, especially in a constantly evolving insurance marketplace.  As a licensed insurance agent, she worked closely with clients and insurance carriers to quote and bind homeowners, auto, liability, and other insurance plans for personal and business. As a licensed mortgage loan originator, she was also able to more effectively quote and bind homeowners insurance policies meeting mortgage lender requirements. With a love for writing, she has also assisted with marketing for her local insurance marketplace. 

Evelyn He

Compliance Associate

Evelyn He is a compliance associate at Insider who supports the Personal Finance Insider team. Personal Finance Insider is Insider's personal finance section that incorporates affiliate and commerce partnerships into the news, insights, and advice about money that Insider readers already know and love. The compliance team's mission is to provide readers with stories that are fact-checked and current, so they can make informed financial decisions. The team also works to minimize risk for partners by making sure language is clear, precise, and fully compliant with regulatory and partner marketing guidelines that align with the editorial team. Before joining Insider, she served in various legal and compliance roles in different industries, including the legal and pharmaceutical industries.    Evelyn obtained her M.S. degree in Marketing at Boston University in 2022. Prior to combining and consolidating her knowledge of law and business, she spent one year finishing 1L courses at Suffolk University Law School to further her legal knowledge. She has also completed MBA business law courses while working on her Bachelor of Business Administration in Management at the University of Massachusetts, Amherst.  Outside of work, she enjoys spending time with her 14-year-old Shih Tzu named Money, and her 5-year-old Bichon named Tibber.

 Sun, 30 Jul 2023 12:00:00 -0500 en-US text/html https://www.businessinsider.com/personal-finance/best-no-medical-exam-life-insurance Killexams : How To Become A Physician Assistant: A Step-By-Step Guide

Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors' opinions or evaluations.

To someone with minimal understanding of the health sector, the title of “physician assistant” may conjure up an image of someone whose job involves running professional errands for doctors. However, physician assistants (PAs) are highly trained professionals qualified to diagnose, monitor and prescribe medication to patients.

PA duties often overlap with doctors’, yet both medical experts have varying levels of autonomy at work. Doctors are legally allowed to practice independently, but PAs typically need a physician’s supervision to treat patients.

The rising demand for PAs goes to show that medical school and nursing school aren’t the only paths to an advanced career in healthcare. In this article, we discuss how to become a physician assistant, including common specializations and salary and job outlook data for these professionals.

What Is a Physician Assistant?

Also called physician associates, PAs are licensed healthcare personnel who support physicians in providing medical care. They work alongside doctors, giving treatment and monitoring patients’ health.

Although some states allow physician assistants to work independently, most require them to work under doctors’ supervision. PAs administer tests, prescribe medication and conduct physical examinations. Other PA responsibilities include:

  • Taking patients’ medical histories
  • Ordering and interpreting diagnostic tests
  • Assisting in surgical procedures
  • Referring patients to specialists
  • Developing treatment plans
  • Counseling patients on preventive care
  • Monitor patients’ progress
  • Conducting clinical research

Physician assistants work in various settings such as hospitals, medical offices, outpatient clinics and surgery wards. Outside of from medical environments, PAs also work in educational facilities, military organizations and sports settings.

Most PAs work full time, with varying work schedules that may include weekends and holidays. Like doctors, they may be on call, having to work on short notice for long periods. Interacting with patients and colleagues for hours can become fatiguing, so PAs should have good stamina and interpersonal skills.

How To Become a Physician Assistant

Earn a Bachelor’s Degree

Obtaining a bachelor’s degree from an accredited college is the first step to becoming a physician assistant. PA programs typically accept applicants from various backgrounds, but we recommend a science-focused major, which will help you apply credits from your undergraduate coursework toward your PA prerequisites.

Gain Healthcare Experience (HCE) or Patient Care Experience (PCE)

The American Academy of Physician Associates recommends that prospective PAs gain healthcare or patient care experience before applying to graduate school. HCE refers to paid or unpaid work where you’re not directly responsible for patient care, but you may still interact with patients. PCE, on the other hand, requires hands-on involvement in treating patients.

Most PA programs require at least 1,000 HCE or PCE hours, typically earned after working for about a year in the health sector. Roles that meet clinical experience requirements include paramedic, medical technician, surgical assistant, hospice worker, dental assistant, physical therapy aide and phlebotomist.

Enroll in an Accredited PA Program

In a PA graduate program, you’ll gain the advanced knowledge needed to pass the national certifying exam and begin your physician assistant career. A PA program involves coursework in clinical anatomy, histology, clinical therapeutics and medicine principles. You may also undergo clinical rotations or clerkships, which involve shadowing licensed PAs.

Several colleges offer online PA programs, for distance learners. Such PA programs often offer concentrations, allowing students to tailor their degrees to suit their career goals. Common PA specializations include family medicine, geriatrics, women’s health, psychiatry, pediatrics and general internal medicine.

Students can apply for admission via the Centralized Application Service for Physician Assistants (CASPA). CASPA requires PA applicants to submit college transcripts, recommendation letters, résumés, personal statements, and HCE and PCE records.

Ensure your chosen program is approved by the Accreditation Review Commission on Education for the Physician Assistant (ARC-PA) before applying.

Obtain Licensure

Graduates from programs that hold accreditation from ARC-PA qualify to sit for the Physician Assistant National Certifying exam (PANCE). The exam is administered by the National Commission on Certification of Physician Assistants (NCCPA).

The PANCE is a five-hour, multiple-choice exam that assesses candidates’ medical and surgical knowledge. Passing the PANCE is required to earn PA licensure in all U.S states. Other specific licensing requirements may vary by state.

How Long Does it Take To Become a Physician Assistant?

Completing all of the above steps often takes at least seven years. You can expect to spend four years in your undergraduate program, one year gaining healthcare experience and two years completing a PA program. The path to becoming a PA may take longer if you spend more time gaining experience between undergrad and grad school or if you need extra time to study for and pass the PANCE.

Physician Assistant Salary and Job Outlook

According to the U.S Bureau of Labor Statistics (BLS), physician assistants earned a median annual salary of $126,010 as of May 2022. Individual salaries vary based on industry, experience level and geographical location. For example, PAs in Washington earn $145,390 per year on average, whereas Florida PAs average $110,930 yearly.

Physician assistants are highly sought-after in certain parts of the U.S., including Connecticut, New York, North Carolina, Nebraska and Montana, which sport the highest concentrations of PA jobs. The BLS projects employment for these professionals to increase by 28% from 2021 to 2031—three times the projected job growth rate for other health practitioners nationwide, and nearly six times the projected growth rate for all U.S. jobs.

Physician Assistant Specializations

Physician assistants, just like nurses and clinicians, can specialize in various areas of healthcare according to their strengths and interests. PAs’ specialties largely determine their salary range and the kind of patients they’ll work with.

Most PA programs offer elective options, and some require students to complete supervised clinical experience in multiple specialty areas. We recommend deciding your PA specialization before enrolling in graduate school so you can choose a program offering in-depth training in your area of interest.

Below we list some common specializations for PA students and professionals.

Emergency Medicine

This specialty teaches prospective PAs how to triage, stabilize and manage patients experiencing urgent health problems. In the emergency medicine specialty, students also learn how to present cases to doctors and develop skills to work with urgent care teams.

Obstetrics and Gynecology

This concentration equips PA students with extensive knowledge on childbirth, midwifery and the female reproductive system in general. They learn to provide prenatal and postpartum care to women and offer counseling on family planning.

Pediatrics

Pediatric PAs support pediatricians by caring for infants and children in ambulatory settings. Students in this concentration learn to evaluate common pediatric problems, offer preventive care and interpret treatment plans to their patients’ guardians.

Surgery

The surgery specialization prepares PA students to evaluate and monitor surgical patients. They learn how to provide preoperative and postoperative care to surgical patients.

Behavioral health

This specialization focuses on caring for and supporting patients living with psychiatric challenges. Students in this specialty learn how to conduct psychiatric evaluations, monitor patients’ progress and refer people to behavioral health specialists.

Certifications for Physician Assistant

PA-C

The certified physician assistant (PA-C) credential is the primary certification for PAs, earned only after passing the physician assistant national certifying exam. The PANCE is a five-hour exam comprising 300 multiple choice questions, administered in five blocks of 60 questions. Candidates are allowed to take 45-minute breaks between sessions.

Before sitting for the PANCE, candidates must graduate from a program accredited by the ARC-PA. Prospective PAs can apply for the exam within 180 days of their graduation date, but they can only sit for the exam starting seven days after graduation. You must submit a $550 fee and an application, after which you’ll receive an acknowledgement email from NCCPA with further instructions. If you fail the first attempt, you can retake the exam after 90 days.

Other Credentials

Aside from the PA-C, NCCPA offers voluntary credentials for 10 PA specialties:

  • Cardiovascular and thoracic surgery
  • Dermatology
  • Emergency medicine
  • Hospital medicine
  • Nephrology
  • Orthopedic surgery
  • Pediatrics
  • Pallitive medicine and hospice care
  • Psychiatry
  • Obstetrics and gynecology

These credentials are called certificates of added qualifications (CAQs). They provide PAs with recognition for their specialized skills.

Professional Organizations for Physician Assistant

Although not required, joining a professional organization can boost a PA’s credibility and expand their opportunities for career development. Below we highlight two professional organizations created to support physician assistants.

  • American Academy of Physician Assistants (AAPA): Founded in 1968, AAPA is the leading national PA professional organization. It represents over 168,000 PAs across all 50 U.S states. The AAPA empowers its members to advance their careers and Excellerate patient health.
  • Physician Assistant Education Association (PAEA): PAEA represents PA educational programs in the U.S. It supports programs in recruiting and retaining qualified faculty and PA students. It also provides various study tools for PA certifications.

Frequently Asked Questions (FAQs) About How to Become a Physician Assistant

Is a PA equal to a doctor?

PAs are not equal to doctors because doctors have more extensive training in the medical field and the authority to treat patients autonomously. In most states, PAs can only provide medical care according to doctors’ instructions.

What is the difference between a PA and MD?

PAs and MDs undergo different training experiences. While it takes about seven years to become a PA, MDs require 10-14 years of training. MDs also typically earn more salary than PAs.

Is a PA higher than an RN?

A PA typically has more training and clinical experience than a registered nurse. PAs, like physicians, can diagnose illnesses and prescribe medication. RNs cannot.

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