Not many people are aware of the Medical Information Bureau (MIB) and what it does, but the information that the Medical Information Bureau has 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 with it to the MIB. If you were seen by a health insurance company doctor, the doctor may also send information to the MIB. Later, when you apply for insurance with another MIB member company, the new insurance company can access your information, as collected by the MIB, as a part of its evaluation whether to cover you or not.
It is a central database of medical information. About 15 million people are on file in the Medical Information Bureau'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.
The information in a typical MIB record is limited to "codes" for specific medical conditions and lifestyle choices, including:
There are some things that you should know regarding the MIB, including:
You may have certain concerns regarding the Medical Information Bureau. Here are some tips:
Because of the various federal laws involved, it may be helpful to consult a knowledgeable 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.
Last Modified: 09-10-2014 10:26 AM PDTLaw Library Disclaimer
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