Medical report files, sold to insurers by the nationwide specialty consumer reporting agencies Medical Information Bureau, Inc. (MIB), Ingenix, Inc., and Milliman, Inc. enable health and life insurance corporations to charge higher premiums and deny coverage to policyholders.  Although consumers dislike these consumer reporting agencies, insurance corporations rely on such companies to provide them with your private data in order to execute underwriting decisions.

What do paid corporate subscribers say about the technology products and services the MIB, Inc. provides to it corporation membership? The MIB, Inc. marketing materials offer the following description:


“I cannot do business without MIB –  it is an irreplaceable source of anti-selection criteria.” VP, Life Underwriting

“MIB always finds something that hasn’t been disclosed.” VP, Individual Medical Underwriting

“We save $58 for every dollar we spend on MIB.” Assistant VP, Underwriting

“With MIB our rescission rate is less than one percent because we catch problem applications at the front end.” Chief Underwriter, Health Insurance

“It is a ‘must-have’ to protect yourself against fraud.” Senior Underwriter “

All consumers are entitled to request an annual disclosure of their personal file from each of the nationwide specialty consumer reporting agencies under the Fair Credit Reporting Act.

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