All consumers are entitled by law to receive an annual copy of their medical report file kept by Ingenix, Inc. (a wholly-owned subsidiary of UnitedHealth Group, Inc.) Under an order from the Federal Trade Commission in 2008, Ingenix, Inc., and all healthcare and insurance companies that utilize the MedPoint prescription profiling technology, agreed to abide by the Fair Credit Reporting Act.
To obtain a copy of your medical report file from Ingenix, Inc., you must call 1-866-692-6901 and begin the request process. However, Ingenix, Inc. does not offer an online source to request, review, or dispute your medical report file contained within the MedPoint prescription profiling database.
Ingenix, Inc. is a wholly-owned subsidiary of UnitedHealth Group, Inc. and sells the MedPoint prescription profiling data product. Consumers should be aware that Ingenix, Inc. has contractual relationships to acquire data from Pharmacy Benefit Managers (“PBM”), which maintain records of individuals’ prescription drug histories. Ingenix, through MedPoint, obtains an insurance applicant’s five-year prescription drug history from the PBMs and creates a prescription medical profile on the applicant for the insurance company.
The medical profile generated by MedPoint includes, but is not limited to, prescription drugs, including dosage and number of refills filled by the insurance applicant for the previous five years. It also includes for each drug, the name and address of the dispensing pharmacy, as well as the name and address of the prescribing doctor, including specialty medical practice. The medical profile generated by MedPoint analyzes the individual’s prescription drug history, and provides, based on that analysis, potential medical conditions that may be present and predictive scores for the individual. (Source, Federal Trade Commission Complaint, February 2008).
THE TWO OPTIONS for obtaining a free annual copy of your medical report file from Ingenix, Inc. are:
- CALL – To obtain a free copy of your consumer medical report file, U.S. residents may call the Ingenix, Inc. “MedPoint Compliance Line” by telephone at 1-888-206-0335. Please be prepared to provide the following six pieces of information: (1) Full Name (First and Last Name), (2) Date of Birth, (3) Complete Social Security Number (to identify your prescription information), (4) Physical Mailing Address (No P.O. Boxes), (5) the Name of the Insurance Company to which you applied for insurance, (6) Current Telephone Number where you can be reached.
- MAIL – U.S. residents can request a copy by writing to Ingenix, Inc. at the following address: “MedPoint Compliance, Ingenix, Inc., 2525 Lake Park Blvd, West Valley City Utah 84120.”
How does the MedPoint prescription profiling technology work? When an insurer makes an online query about an applicant, the MedPoint servers scour the data and within minutes or less return reports to a central server at the company. Ingenix, Inc. has servers in the PBM data centers, updating the drug files as frequently as once a day. The MedPoint server aggregates the information going back as far as five years, including the drugs and dosages prescribed, dates filled and refilled, the therapeutic class and the name and address of the prescribing doctor. Then comes the analysis; Ingenix’s MedPoint tool provides insurers a “pharmacy risk score,” or a number that represents an “expected risk” for a group of people. Higher scores imply higher medical costs.
According to the Washington Post, Ingenix, Inc. reported corporate revenues of $1.3 billion in 2008. In addition to Ingenix MedPoint Prescription Profiling, Ingenix Inc.’s other “underwriting and actuarial solutions” include Impact Pro for Underwriting, Ingenix Health Technology Pipeline, Ingenix StepWise Automated Rating, StepWise Medical Underwriter, and Symmetry Pharmacy Risk Groups.
- Order Your Medical Report File from IntelliScript by Milliman Inc.
- FTC Complaint Against Ingenix Inc., a UnitedHealth Group Company (2008)
- The Washington Post Says Prescription Data is Used to Assess Consumers
- FTC Decision and Order against Ingenix, Inc. (2008)
- FTC Complaint against Milliman, Inc. (2008) (Fair Credit Reporting Act)
- Check Your Yearly Medical Report File from Insurance Reporting Companies
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