When an insurance carrier compels you to be examined by their doctor, that often is referred to as an Independent Medical Evaluation (IME). But, really it’s not. Generally, insurance carriers hire these doctors to conduct exams. And, there is not much incentive for these doctors to be independent.
Whenever a client receives word that he/she must be evaluated by an insurance carrier-paid physician, that client is understandably nervous. Here are a few things to remember.
First
Try hard to relax; get into a zone. When the doctor asks you a question about your health, do not exaggerate. But, do not underplay it, either. Simply tell the truth. And, the night before, make a list of all of the things that are causing you discomfort and all the diagnoses you’ve received. Do not leave anything out.
Second
Like a deposition, do not talk too much. Only answer the doctor’s specific question. Be succinct. Be calm. Be honest. If you know you will have a difficult time getting up onto the examination table, say something. Do not try it on your own and risk hurting yourself or your case. Do not be a martyr, but do not be overly dramatic, either.
Third
You do not have to go to this doctor’s visit alone. You may have someone accompany you to this exam, and that may be a registered nurse. The advantage to that is, a nurse understands medical terminology and can determine the value of the examination. She or he can take notes, and make you feel as if there is someone in the room on your side.
Bottom Line
IME’s happen all the time, especially in relation to disability insurance claims. Try to relax. Be truthful. And, remember, you do not have to face this alone.