An APS is one of the primary ways an insurance company obtains information about the severity of your medical condition and your treatment history. The APS typically contains a series of questions for a treating medical provider to complete. The length and details of the form vary by carrier.

APS (Attending Physician Statement) is a form required by insurance companies whenever applying for insurance. The form is filled by a physician illustrating the exact medical status of the insured person and if he is suffering any medical condition that conflicts with the insurance plan.

What is an APS? “The Attending Physician Statement is a summary of your health condition, written from a doctor or medical facility that either has treated or is currently treating someone that is seeking life insurance,” explains Paya Schlass, Customer Success Manager at Haven Life.

In a medical facility, the physician who has the major responsibility for a patient's care is called the attending physician. Attending physicians have completed their training and often play an active role in the education of medical students, interns, and residents.

Physicians work for private practices, healthcare organizations or hospitals while surgeons tend to work in sterile environments where they can perform surgery. Many of them work full-time, and are accustomed to long, irregular and/or overnight hours.

The biggest difference between a fellowship vs attending is a fellow is still in training while an attending completed their training and is practicing independently. To become a fellow, you first must complete a residency teaching broad skills relevant to your field.

In a medical facility, the physician who has the major responsibility for a patient's care is called the attending physician. Attending physicians have completed their training and often play an active role in the education of medical students, interns, and residents.