About
ExamOne is a leading life insurance underwriting services company and subsidiary of Quest Diagnostics. Since 1972, ExamOne has helped insurers protect more families by streamlining the application and underwriting process through innovative data solutions. Their flagship platform, HealthPiQture™, is a flexible and customizable health data aggregation tool that combines prescription history, lab results, and comprehensive exam data to support faster and more confident underwriting decisions. LabPiQture™ delivers real-time insights drawn from physician-ordered laboratory tests, while FraudCheck™ Plus helps insurers detect and price risk before policies are issued. ScriptCheck® provides instant prescription history and Risk IQ™ enables advanced mortality risk scoring. ExamOne also operates a nationwide paramedical exam network with over 2,300 locations and 70,000+ weekly appointment slots at Quest Diagnostics Patient Service Centers, with at-home and workplace options available via ScheduleNow™. The Inside Look® feature allows applicants to securely access their own health data, fostering transparency throughout the process. Designed for insurance home offices, agents, and examiners, ExamOne also supports health and life sciences organizations through clinical research, mobile phlebotomy, and employer health services.
Key Features
- HealthPiQture™ Data Platform: A flexible, customizable platform that aggregates prescription history, laboratory results, and exam data to enable fast, confident underwriting decisions.
- LabPiQture™ Lab Insights: Delivers real-time insights from physician-ordered laboratory tests, enabling insurers to build accurate historical health profiles for applicants.
- Nationwide Exam Network: Access to 2,300+ exam center locations and 70,000+ weekly appointment slots at Quest Diagnostics Patient Service Centers, plus at-home and workplace exam options.
- FraudCheck™ Plus & Risk IQ™: Integrated fraud detection and advanced mortality risk scoring tools that help insurers identify and accurately price risk before issuing policies.
- Online Ordering & ScheduleNow™: End-to-end digital order management allowing agents and home offices to place orders, schedule appointments, and track status 24/7.
Use Cases
- Insurance carriers use HealthPiQture™ to consolidate and analyze applicant health data for faster, more accurate underwriting decisions.
- Life insurance agents leverage ScheduleNow™ to schedule paramedical exams at applicants' preferred locations — home, workplace, or exam center.
- Underwriters use LabPiQture™ to review physician-ordered lab history and build comprehensive health profiles before issuing policies.
- Home office compliance teams use FraudCheck™ Plus and Risk IQ™ to identify high-risk applicants and reduce potential fraud exposure.
- Clinical research organizations partner with ExamOne for mobile phlebotomy and laboratory services to support large-scale health studies.
Pros
- Extensive Exam Network: Over 2,300 exam locations and 70,000+ weekly appointment slots give applicants flexible, convenient scheduling options across the U.S.
- Comprehensive Data Ecosystem: Integrates lab data, prescription history, medical records, and fraud detection into a single, unified underwriting workflow.
- Backed by Quest Diagnostics: As a Quest Diagnostics subsidiary, ExamOne leverages one of the largest and most trusted clinical laboratory networks in the country.
- Applicant Transparency via Inside Look®: Applicants can securely access their own health data, improving engagement and trust throughout the life insurance process.
Cons
- Enterprise-Only Focus: Services are designed exclusively for insurance carriers and agents; individual consumers cannot directly access underwriting products.
- Opaque Pricing: No pricing information is publicly available on the website; costs require direct engagement with a sales representative.
- Primarily U.S.-Centric: While some international testing is offered, the core service network and coverage is focused on the United States market.
Frequently Asked Questions
What is ExamOne?
ExamOne is a life insurance underwriting services company and subsidiary of Quest Diagnostics, offering laboratory testing, medical records retrieval, health data platforms, and risk analytics to insurance carriers and agents.
What is HealthPiQture™ and how does it work?
HealthPiQture™ is ExamOne's customizable health data platform that consolidates prescription history, lab results, and exam information into one interface, helping underwriters make fast, data-driven decisions.
How many exam locations does ExamOne operate?
ExamOne offers 2,300+ exam center locations across the U.S. with more than 70,000 weekly appointment times, plus at-home and workplace exam scheduling through ScheduleNow™.
What is LabPiQture™?
LabPiQture™ provides real-time insights from physician-ordered laboratory tests, allowing insurers to access and evaluate historical health data for more accurate life insurance risk assessment.
Who are ExamOne's primary customers?
ExamOne serves life insurance home offices, agents, and examiners, as well as health and life sciences organizations involved in clinical research, employer health services, and mobile phlebotomy programs.
