As consumers, we would never apply for credit cards or mortgages without checking our “annual credit reports” to ensure accuracy and fair pricing. However, there is virtually no awareness among consumers that a few, large corporations collect, store, and sell their most intimate medical information in the form of “medical report” files! These “medical report” files, which the Washington Post compares to “credit reports for your health records,” are critical tools for health and life insurance companies evaluating and pricing insurance applicants and policyholders.

Surprisingly, these organizations have managed to stay under the radar, even during the current health care reform debate. Although the New York Times first reported on the Medical Information Bureau in 1932, the last time the newspaper mentioned MIB, Inc. was in 1990. Under Federal Law, the activities of the Medical Information Bureau, Inc. (MIB), Ingenix, Inc., and Milliman, Inc. qualify them as “credit reporting agencies” and thus are required to provide annual copies of medical reports to consumers.To enforce compliance on providing annual “medical reports” as required by the Fair Credit Reporting Act (FCRA), the Federal Trade Commission reached an agreement with the Medical Information Bureau, Inc. (FTC Press Release, June 21, 1995 “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.”); Ingenix, Inc. (FTC Press Release, Febraury 12, 2008; In the Matter of Ingenix, Inc.); and Milliman, Inc. (FTC Press Release, Febraury 12, 2008; In the Matter of Milliman, Inc.)

Consumer medical report files, sold to insurers by the Medical Information Bureau, Inc. (MIB), Ingenix, Inc., and Milliman, Inc. enable health and life insurance corporations to charge higher premiums and power the technology behind rescission of coverage. Alarmingly, your medical report files may include both medical and non-medical information about you. For instance, personal data collected by the Medical Information Bureau (MIB) may include medical conditions, credit report history, driving records, criminal activity, drug use, sexual orientation, participation in hazardous sports, and personal or family genetic history.

No consumer should pay for health or life insurance without first reviewing their annual medical report files. Under Federal law, all consumers are entitled to annual medical reports from the Medical Information Bureau, Inc. (MIB), Ingenix, Inc., and Milliman, Inc. To obtain a copy of your annual medical report file, you must contact the Medical Information Bureau, Inc. (MIB), Ingenix, Inc., and Milliman, Inc. individually.

(1) Contact the Medical Information Bureau, Inc. to request your medical report file from the MIB, Inc. Checking Service.

(2) Contact Ingenix, Inc. to request your medical report file from the MedPoint prescription profiling database.

(3) Contact Milliman, Inc. to request your medical report file from the IntelliScript prescription profiling database.

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