Medical Information Bureau Lawyers

Authored by , LegalMatch Law Library Managing Editor and Attorney at Law

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Why Is the Medical Information Bureau Important?

Not many people are aware of the Medical Information Bureau (MIB) and what it does, but its information about you could affect your ability to get adequate health insurance (as well as life and disability insurance). If your health insurance company is a member of the MIB, it sends information about any claim you file to the MIB. If you¿re seen by a health insurance company doctor, the doctor may also send information to the MIB. Later, when you apply for insurance with an MIB member company, the insurer can then access your information in its evaluation whether to cover you or not.

What Exactly Is the Medical Information Bureau?

It is a central database of medical information. About 15 million people are on file in the MIB¿s computers, with 600 insurance firms using its services. As an individual, when you apply for health insurance, you will probably be asked to provide information about your health. Sometimes you will be examined by a doctor and have your blood/urine tested. The insurance company will then report to the MIB any medical conditions that you have that insurance companies may consider significant.

What Kind of Information Is Kept in a Typical MIB Record?

The information in a typical MIB record is limited to ¿codes¿ for specific medical conditions and lifestyle choices, including:

What Are Some Important Things to Remember about the MIB?

There are some things that you should know regarding the MIB, including:

What Should I Do?

You may have certain concerns regarding the MIB. Here are some tips:

Do I Need a Lawyer Experienced with Health Insurance Issues?

Because of the various federal laws involved, it may be helpful to consult an attorney who can help guide you through your rights. A lawyer may also be able to help you in deciding what course of action is right for you.

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Last Modified: 11-22-2011 04:31 PM PST

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