The Medical Information Bureau Inc. (a/k/a, MIB, MIB Group Inc.) maintains a consumer “medical report” file for every consumer of life and health insurance.  The MIB Group Inc. provides its membership with a multi-million dollar computer infrastructure to instaneously access the personal information of insurance applicants and policyholders.

These are a few of the technology and web-based information products that the Medical Information Bureau (MIB) offers to its member insurance and health care corporations:

  • MIB Codes Portal: WEB 2.0” – In June 2008, the Medical Information Bureau (MIB) introduced a new, web-based version of the MIB Coding Manual that provides underwriters a user-friendly interface and effortless navigation.  More than just an electronic book, the “MIB Codes Portal” uses a WEB 2.0 approach that allows the Medical Information Bureau (MIB) to continually enhance the “portal” to offer underwriters easy access to information well beyond traditional coding reference information.
  • WEB-TERM: Secure, browser-based access to MIB services” – WEB-TERM, offered by MIB, Inc., provides full-featured Internet connectivity to MIB data services on a single-record basis via a web browser from any Internet connected PC.  WEB-TERM is accessible through KnowledgeNow, MIB’s secure Business-to-Business Internet site. WEB-TERM offers rich navigation, drop down menus, and auto fill fields, increasing data entry speed and accuracy.
  • “Alpha-Index Processing Service: Advanced, Sophisticated Name-Searching Technology” – The Alpha-Index Processing Service technology, developed by the Medical Information Bureau (MIB), is capable of searching files containing millions of consumer names at the rate of hundreds of names per second.  MIB’s search algorithm selects a large number of candidate last name and first name combinations very quickly and then returns only the most relevant records.  Whether the first name is Johan, Ivan, or John, and the last name is Smyth, Smythe, or Smith, you’ll find the correct individual.

The Medical Information Bureau (MIB) maintains a consumer “medical report” file for every consumer of life and health insurance.  In addition to an individual’s credit history, data collected by the Medical Information Bureau (MIB) may include medical conditions, driving records, criminal activity, drug use, participation in hazardous sports, and personal or family genetic history, among other facts. (Source: Federal Trade Commission).  According to the Federal Trade Commission:

“All consumers are entitled to receive a free copy of their medical report from the Medical Information Bureau, if requested, to verify that all information is correct.”

Source: Federal Trade Commission Press Release, “Nation’s Largest Insurance Reporting Agency Agrees To Expand Consumer Rights – Fair Credit Reporting Act requirements to apply to insurance investigations under new policy accepted by Medical Information Bureau.” Dated, June 21, 1995. [Link to FTC press release at http://www.ftc.gov/opa/1995/06/mib.shtm]

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