What services and products does the MIB, Inc. provide for its corporation membership of insurance and healthcare companies? The MIB, Inc. marketing materials offer the following description “MIB, Inc. Training and Support:”

“TRAINING AND SUPPORT
MIB provides training and support to member companies including:

  • Training for new member companies
  • Advanced training for existing members
  • Advice on MIB coding questions
  • Connectivity and System integration support
  • Guidance on Rules and Bylaws interpretations
  • Toll free number for the MIB Help Desk”

What do paid corporate subscribers say about the technology services and products MIB, Inc. provides for its corporation membership of insurance and healthcare companies? The MIB, Inc. marketing materials offer the following description:

WHAT MEMBER COMPANIES SAY ABOUT MIB

“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 “

So, what types of technology services and products does MIB, Inc. provide for paying consumers of insurance and healthcare products? The MIB, Inc. marketing materials offer the following description:

CONSUMER SERVICES
As a secure repository of the personal and private health information for millions of insurance applicants, MIB protects both consumers and the insurance industry. Our role as a trusted guardian extends to servicing consumers’ requests for reinvestigations and amendments.

DISCLOSURE
Through an easy to use, streamlined [telephone] process, consumers may request their MIB records one time per year, free of charge. [No online access is offered.]”

Hardly seems fair to consumers. To review:

  • Insurance and healthcare companies that pay a yearly fee to MIB, Inc. get “training for new member companies.” Paying consumers of insurance and healthcare products get “NOTHING.”
  • Insurance and healthcare companies that pay a yearly fee to MIB, Inc. get “advice on MIB coding questions.” Paying consumers of insurance and healthcare products get “NOT ALLOWED TO VIEW MIB CODES.”
  • Insurance and healthcare companies that pay a yearly fee to MIB, Inc. get “Connectivity and System integration support.” Paying consumers of insurance and healthcare products get “NO SECURE ONLINE CONNECTIVITY OR SUPPORT.”
  • Insurance and healthcare companies that pay a yearly fee to MIB, Inc. get “Guidance on Rules and Bylaws interpretations.” Paying consumers of insurance and healthcare products get “NO SUPPORT OR CLAIMS DISPUTE ADVOCACY.”
  • Insurance and healthcare companies that pay a yearly fee to MIB, Inc. get “Toll free number for the MIB Help Desk.” Paying consumers of insurance and healthcare products get “A TOLL-FREE NUMBER WITH LIMITED HOURS.”

Have you viewed your annual medical report? The Medical Information Bureau, a/k/a MIB Group, Inc., does not offer consumers a secure system online to request, review, and dispute information in their consumer “medical report” file. All consumers are entitled to request an annual medical report under the Fair Credit Reporting Act. Consumers wishing to request their annual medical report must call the Medical Information Bureau’s telephone number at 1-866-692-6901.

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