ExamOne ScriptCheck Report Prescription History

ExamOne is a specialty consumer reporting agency. ExamOne is owned by Quest Diagnostics, one of the largest medical testing companies in the United States. The company performs medical risk assessment and health screening services. When people apply for life, health, or disability insurance, insurance companies use the ExamOne ScriptCheck Report to gather their medical histories and decide whether to approve their applications. 

(1) More Information about the ScriptCheck Report

To build these medical history reports, ExamOne collects detailed health records with an applicant’s written consent. Its primary prescription history product, called ScriptCheck, pulls data directly from Pharmacy Benefit Management (PBM) companies and retail or mail-order pharmacies nationwide. The report collects details like specific drug names, dosages, fill dates, refill habits, prescribing doctor names, and medical conditions related to those medications. ExamOne also collects historical lab test results (through its LabPiQture report) and electronic medical billing records to build a broad picture of an applicant’s health.

The main customers buying ExamOne’s prescription history reports are life insurance underwriters, health insurers, disability insurance providers, and annuity companies. These companies purchase ScriptCheck reports to verify if an applicant disclosed all of their health conditions, check for unmentioned chronic illnesses, and speed up the approval process without requiring a home nurse visit or blood test.

According to the ExamOne and Quest Diagnostics corporate websites, ExamOne also sells specialized risk scoring tools that turn prescription and health data into numerical risk scores. Its primary scoring products include:

• HealthPiQture Score: A broad mortality risk scoring model. HealthPiQture combines three sub-scores—an Rx Score (built from ScriptCheck prescription data), a Labs Score (from historical lab tests), and a Dx Score (from medical diagnosis claims)—to calculate a single numerical score estimating an applicant’s overall life expectancy risk.
• ScriptCheck Risk Scores: Specialized scoring algorithms that rate prescription history data specifically. These models weigh drug combinations, fill consistency, and medication severity to rank an applicant’s mortality risk for life insurance underwriting.

An ExamOne QuestCheck report is a specialized medical data tool used primarily by life and health insurance underwriters. It provides insurance companies with instant access to up to three years of historical clinical laboratory test results and physician diagnostic records from Quest Diagnostics (ExamOne’s parent company).

(2) Request a ScriptCheck Report by Telephone or Mail

Request a copy of your ExamOne ScriptCheck Report by telephone (844-225-8047) or by mail (ExamOne Headquarters, Attn: ScriptCheck Consumer Report Disclosure Compliance Department, 10101 Renner Blvd., Lenexa, Kansas 66219).

(3) Request a ScriptCheck Report Online

Special Scores provides an online option to request your ExamOne ScriptCheck Report.

(4) Dispute Errors in Your ScriptCheck Report

If you find information in your consumer report that you believe is inaccurate or incomplete, you may have the legal right to dispute the report’s content with the consumer reporting company and the company that shared the information to the reporting company. Under federal law, the Fair Credit Reporting Act (FCRA), companies must conduct a reasonable investigation of your dispute. The company that provided the incorrect information must correct the error, and notify every consumer reporting company to whom it provided the inaccurate information.