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How to Make $90,000 (or more) as a Paramedical Insurance Examiner: 51 step-by-step Days to Success Share your own customer images How to Make $90,000 (or more) as a Paramedical Insurance Examiner

How to Make $90,000 (or more) as a Paramedical Insurance Examiner: 51 step-by-step Days to Success Share your own customer images How to Make $90,000 (or more) as a Paramedical Insurance Examiner

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Published by Jim Huffman
If you're like most nurses, you'd like more control over your work and life. This book is a unique guide to a specialty area that any nurse can get into: one that gives you as a nurse freedom, flexibility, and financial success. Yes, money. It's possible to make $90,000 (or more) a year providing mobile examination services for insurance companies. This book tells you how to do that.

And this isn't a theory book: the author has done this business since 1980 (part-time) and since 1982 (full-time). (I was a hospital based nurse from 1980 to 1982, doing exam services on the side. I began my business full-time at the end of 1982). And I've supported myself and my family (my wife and 4 children) by this business.

I haven't gotten rich. But I've made better than most hospital-based nurses do every year, and I've had freedom. Freedom to set my own schedule. Freedom to spend time with my wife and children. And freedom to explore other interests.

This book is available here:

http://www.amazon.com/Paramedical-Insurance-Examiner-step--ebook/dp/B004X2I1L6/ref=sr_1_5?ie=UTF8&qid=1315790377&sr=8-5
If you're like most nurses, you'd like more control over your work and life. This book is a unique guide to a specialty area that any nurse can get into: one that gives you as a nurse freedom, flexibility, and financial success. Yes, money. It's possible to make $90,000 (or more) a year providing mobile examination services for insurance companies. This book tells you how to do that.

And this isn't a theory book: the author has done this business since 1980 (part-time) and since 1982 (full-time). (I was a hospital based nurse from 1980 to 1982, doing exam services on the side. I began my business full-time at the end of 1982). And I've supported myself and my family (my wife and 4 children) by this business.

I haven't gotten rich. But I've made better than most hospital-based nurses do every year, and I've had freedom. Freedom to set my own schedule. Freedom to spend time with my wife and children. And freedom to explore other interests.

This book is available here:

http://www.amazon.com/Paramedical-Insurance-Examiner-step--ebook/dp/B004X2I1L6/ref=sr_1_5?ie=UTF8&qid=1315790377&sr=8-5

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Published by: Jim Huffman on Sep 12, 2011
Copyright:Attribution Non-commercial

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PME book -- introductionMaybe you remember when your career seemed like a real adventure -- a thrillthat you could enjoy every day.But maybe it's less of a thrill now. Maybe you're feeling like there's drudgery every time when you go into work.I'm an RN. What I wanted from the very beginning was pretty easy.I wanted to work for myself.I wanted to work from home.I wanted control over my career.And I wanted to do something that would keep me engaged and interested.You can do all of these, too. You can make more money than you'd imagined that you could. You can have control over your career. You can provide a service that is valued by your customers. And you can have fun.And let's talk about money up front. Everyone else in the medical field makes money. Why can't you? Nurses and other professionals need to get over the idea that somehow their work is a kind of calling, that you should be content tonot make an adequate income, or that it's somehow wrong to believe that you deserve to be well paid. Because you do.This is not get rich quick scheme, it can involve hard work, and it can be frustrating at times. But you can get control, you can provide a valuable -- andvalued -- service, and you make a very good income.This is where this book comes in. Join me for an exciting ride.What's an insurance examiner?Providing insurance exams is a specialized service by medical professionals.I collect and provide information about folks taking out life and health insurance for insurance companies. I do medical histories, physical assessments, labspecimens (urine, blood, and sometimes, saliva) and ECGs. What I provide is away for insurance companies to assess the health status of their insureds so thecompany can avoid taking on risky customers who are sick, disabled, or engage in risky behaviors.I do this on a mobile basis, and that's one of the things that sets me apartfrom my competitors. I cover a 50 mile radius around my home, and do exams atclients' homes, workplaces, or wherever it's convenient for them.Each exam takes around 15-20 minutes. There's maybe another 30 minutes of paperwork and processing following that, and of course, there's time spent on thephone, talking to clients, scheduling appointments, and there's drive time.How much can I make?I've been at this for years. I actually started -- part-time -- in June, of1980. I did it part-time while working as a medical surgical and gerontology nurse until I went full-time in December, 1982. I say this to let you know thatI'm at the top of what folks are paid for this work. When starting out, you won
 
't make what I'm making now. But you can be making a very good income within ayear.What's the difference? How can you move up so quickly when it took me a while?It's easy: information.When I started, there was little or no information available. I didn't havethis book. I didn't even have the net. (How I lived then, I'll never know).You've got both. Count your blessings.I make an average of about $60 per client I see. I say "on average" becauseeach insurance company pays different rates, and there are different pay ratesfor different services. But I know that if I see 8 clients in a day, I'm goingto make $480. That's gross pay, in other words, that's what I'm paid before I count my expenses.Fortunately, this is a business without a lot of expenses. My biggest expense is auto expenses. I drive a lot of miles every year, and that's one of the reasons why I drive a car that gets good mileage.But all of your expenses are deductible on your taxes. And that can give you a whole other set of advantages, which we'll get to later.So I'll come back to income. I'll be conservative. Let's say you're seeing6 people a day, 5 days a week, 50 weeks a year. Doing that -- and that's not hard work -- you will gross about $90,000 a year. Are you willing to spend a year working up making that kind of income doing something you'll enjoy?What does the work involve?There's a couple of aspects to this business.First, marketing. I'll get that out front. To succeed (and make a good income) you will need to market yourself to insurance agencies and other companies.You'll need to get your name out to local agents and their office staff. In other words, you'll need to sell your services.Sales may sound scary. It's not. When I first began, my selling consistedof going to insurance offices, introducing myself, telling them what I do, and leaving some business cards. No hard sell, no bad-mouthing my competition, justsaying hello. Now, you'll need a website. It's all a lot easier than you mighthave imagined.Next, you'll get exam orders from insurance agents. They will provide clients' names and contact information.Then you'll contact the client to set up your appointment.Next, you go to the appointment. In 90% of cases, your work will consist ofa health history (names and addresses of your client's doctors, information about surgeries, hospitalizations, and family history), collecting a urine specimen, and drawing a blood sample. Occasionally, you won't have to do blood, and occasionally, you'll have to do only the blood and urine. Sometimes you'll need todo a mobile ECG. While these aren't that frequent, you will need to be able todo them, which means you'll need to have an ECG machine. The type you'll need usually sell for $500 to $1,000 on eBay.
 
After completing your appointment, you'll check for any errors on your paperwork, centrifuge blood samples, and ship specimens to the lab.What equipment do I need?For sales: you'll need business cards and a website.For getting there: a reliable car. Preferably, one that gets good mileage.An up to date GPS.Communications: I have a land line which I use for my office and for faxing. You don't have to do that, but you do need a recent cell phone. A smart phone is a very good idea.Office stuff: reliable, high speed internet. Reliable printer with fax or scan capabilities. Computer, of course. Preferably a laptop. You'll also needa shredder. You'll want to keep copies of exams you've done at least until you're paid for them (I keep a file with 5 months of exams, in case something gets lost -- it occasionally happens -- out a month of 2) but at some point you'll need to discard the paperwork, and HIPAA regs mean you can't throw them intact in the trash.Clinical stuff: ECG machine. Centrifuge. Briefcase (soft side bags are best), scale, measuring tape, tourniquet, clipboard, sphygmomanometer, stethoscope.Urine testing strips. A watch with a second hand (for measuring heart rates).Bathroom scale. Lab kits and exam forms, both of which you'll get from the exam company you're working through.How an appointment works.Here we go, step by step. What I'm telling you here is the most valuable part, so listen up. This process will enable you to complete an average exam in 15-20 (yes, it will take you slightly longer at the beginning; I'm talking abouthow long it will take after some experience).After getting the contact information, call the client. Here's your script."Hi, Mrs. Jones, I'm John Doe, calling for Jill Doe, your insurance agent withXYZ Insurance Company. I'm calling to set up a time for the little physical they need for the life insurance you're taking out. Is there a day or time that would be good for you?" Now stop. Let them think about it. Often, folks will suggest a time. Make sure your schedule is in front of you so you can see if youcan do that time.If the client's any distance from you, suggest the following: "I'm going tobe in your area next Tuesday morning around 9. Is there any chance we could doit then?" Your clients know how much gas costs. They are often very eager tohelp with that expense. It's possible they won't be able to do the time you suggest, but you will never know unless you ask them.After confirming a time, make sure you've got the correct address. If in doubt, ask them to spell the name of the street or location. Confirm the time: "That's Friday, the 18th, at 10 in the morning, right?"2 issues come up here: fasting and urine. I suggest a few hours fasting (unless the insurance company you're doing this for a specific amount of time). IfI'm doing the appointment in the morning, I encourage them to try to not eat after midnight. However ... make sure you tell them the following: "If you can,avoid any food or drink for a few hours before we do the exam. If you do, you'll get better results on the lab work. But make sure you drink plenty of water,

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danygurl711 liked this
Sadie55 added this note
A very informative guide..wish I knew how to get the percentages that you are getting..would really be NICE!! I have been an examiner for 30 plus years..never have I gotten more that 40% from any of the Big% ..do very well with my directs though.
Sherry Willis liked this

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