Laboratory Resources

Information about opioids

In July 2017, ExamOne announced it offers an expanded opioid panel for life insurers. For the last three decades, ExamOne has offered two main options (see table below) for full urine drug screens to help insurers identify risk in the insurance population.

These screens were developed in the 1980s and are recommended by the Substance Abuse and Mental Health Services Administration (SAMHSA, formerly the National Institute on Drug Abuse, NIDA) for the testing of certain federal employees, as well as specified Department of Transportation (DOT) regulated occupations.

The expanded panel detects semi-synthetic opioid use and includes the following drugs: codeine, morphine, hydrocodone, hydromorphone, oxycodone, oxymorphone, fentanyl and heroin. As with all drug testing, positive screens are confirmed with gas chromatography/mass spectrometry (gc/ms).

Learn more about the risks and impacts of opioid abuse in America

The risks of opioid for life insurers

10 facts about opioids

One in 4 individuals combine opioids and benzodiazepines

Illicit drug use in the US is at the highest rate in a decade

More laboratory resources

We are committed to providing you with the resources you need to underwrite with full confidence. This section highlights specific laboratory tests and why you should include them in your standard insurance testing panel.


Tobacco indicator Cotinine

Cystatin C

Kidney disease and mortality marker
Cystatin C

Expanded opioids

Prescription and drugs of abuse marker

Hemoglobin A1c

Diabetes and mortality marker
Hemoglobin A1c


Diabetes marker


Congestive heart failure marker


Prostate specific antigen

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