Download or Print a Free MIB Report Request Sample Form

The Fair Credit Reporting Act provides every consumer with the right to request a free annual medical report file disclosure from the Medical Information Bureau (MIB, Inc.) and it’s membership of 500 insurance companies.

Under consent agreements with the Federal Trade Commission in 1983 and 1995, “the MIB, Inc., and all insurance companies who are members of the MIB, will abide by the Fair Credit Reporting Act.”

To request a copy of your free MIB report, you should complete ONE of the following options:

Toll-Free Telephone – “Streamlined Request”

(1) Call the MIB, Inc. toll-free telephone number at 1-866-692-6901 to make your request. (Note – The MIB “Voice Cue” is available Monday – Friday, 6AM -12AM ET, closed on holidays. According to the MIB phone disclosure website, “MIB’s disclosure process requires you to provide your personal identification information to assist us in locating your MIB Consumer File, should one exist. The ID information you supply will be validated with other consumer reporting agencies.”  As an additional warning, please be aware that the MIB voicemail system records and retains your personal information and voice imprint. If you are suspected of fraud, MIB reserves the right to use this recording as evidence against you.)

Written Request by Mail

(2) Download or Print this free MIB disclosure request form (PDF link). Then mail the completed and signed form to “MIB, Inc. 50 Braintree Hill Park, Suite 400, Braintree, MA 02184” to make your request. (Note - MIB, Inc. has taken the position that the FCRA does not require it to comply with a consumers’ express written request for free annual disclosure of their MIB file. As a warning to consumers, MIB publicly states, “Because a consumer’s request for free annual disclosure is supposed to be submitted via the Streamlined Process [1-866-692-6901] only, MIB reserves the right to decline a consumer’s request for free annual disclosure that is made using this form [by mail]. In such an event, MIB may instruct the consumer to use MIB’s Streamlined Process [1-866-692-6901]. Alternatively, MIB may also process a consumer’s request for free annual disclosure using this form if the consumer declines to use MIB’s Streamlined Process, but agrees to pay the fee [$10.50] that is allowed by law.” It is has yet to be determined whether MIB’s refusal to honor the valid, written requests of consumers is legal or illegal under federal and state law.)

MIB.com Online Submission Form

(3) Complete and submit the MIB.com online request form located on the MIB website. (Note – When you submit your information online, it may be validated by an unnamed third-party consumer reporting agency. According to the MIB.com Website Privacy Policy for Consumer File Requests - “If you are visiting MIB’s website to request disclosure of your MIB Consumer File (if any) or to dispute its contents, MIB will collect personal information from you. This information will be securely collected and maintained by MIB and will be used solely to process your request. Specifically, the personal information that you provide to MIB will be used to verify your identity, to conduct an accurate search of MIB’s databases and to confirm that the search results (if any) actually relate to you.  MIB does not sell, share, transfer, lease or otherwise disclose the personal information that you provide to any third-parties, except that MIB will validate the information you provide with other consumer reporting agencies to confirm your identity.“)

Upon receipt and validation of your request, the Medical Information Bureau, Inc. must provide disclosure to you by postal mail within 15 business days. If MIB does not have a “consumer file” on you, the law requires MIB to provide a “no record” letter explaining that a record does not exist.

An “MIB consumer file” may include: (1) Any medical and personal information that MIB maintains in its database about you, if any, in the form of translated MIB codes; and (2) the name(s) of the MIB member insurance companies, if any, that: (A) reported information to MIB, along with the dates such information was reported; (B) received a copy of your MIB Consumer File during the three (3) year period preceding your request for disclosure and the dates the companies received your file; and, (C) made an inquiry to MIB about you within the past two (2) years, along with the dates of such inquiries.

Upon review of the contents of your MIB consumer file disclosure, if you believe that any information is incomplete or inaccurate, you should contact the MIB, Inc. directly to initiate a dispute. (The mailing address is “MIB, Inc. 50 Braintree Hill Park, Suite 400, Braintree, MA 02184”) If you identify information in your file that is incomplete or inaccurate, and report it to the Medical Information Bureau, Inc. (a specialty consumer reporting agency), the MIB must investigate your claim (unless the dispute is “frivolous”). See www.consumerfinance.gov/learnmore for an explanation of dispute procedures.

Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 45 days. However, the Medical Information Bureau Inc. (a specialty consumer reporting agency), may continue to report information it has verified as accurate. For all types of consumer file information, the Medical Information Bureau Inc. (a specialty consumer reporting agency), may not report negative information that is more than seven years old.

As a nationwide specialty consumer reporting agency, MIB Inc. “must provide a toll-free number that is published in every telephone directory in which a number for the company appears, and is clearly and prominently posted on the company’s website. In addition, federal law requires the company to have clear and easy instructions for consumers to get these reports, and adequate staff in place or means to deal with consumers’ requests.” If the Medical Information Bureau Inc. (MIB), or any other specialty consumer reporting agency, violates the Fair Credit Reporting Act (FCRA) with respect to your inforamtion, you may be able to file a lawsuit seeking damages in state or federal court.

The Medical Information Bureau, Inc. (MIB), a Delaware corporation, is the world’s largest insurance reporting agency and represents approximately 500 member insurance companies.  “The Medical Information Bureau (a/k/a, MIB Group, Inc., a/k/a, MIB, Inc., a/k/a, MIB Solutions, Inc.) collects and furnishes information on consumers to all Medical Information Bureau (MIB) member corporations for use in the insurance underwriting process.”

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.”  Under Federal law, the Medical Information Bureau (MIB) is a “consumer-reporting agency” and is required by law to provide a medical report to consumers every 12 months.

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MIB Executive Testifies that Reporting Agency Collects Personal Data on Sexual Deviation

The landmark consumer protection law, the Fair Credit Reporting Act (FCRA) was passed in 1970. The FCRA, which went into effect in 1971, originally exempted disclosure of medical information by data-gathering organizations such as the Medical Information Bureau (MIB), although it did direct disclosure to consumers of information that would be detrimental to a person’s credit rating. In 1973, the U.S. Senate Banking Committee, Subcommittee for Consumer Credit, held hearings on the use of medical information for insurance underwriting.

During these hearings, the Senate subcommittee chairman, Senator William Proxmire, questioned Joseph C. Wilberding, executive director and general counsel of the Medical Information Bureau (MIB). Mr. Wilberding testified that the individual consumer files collected and exchanged by MIB, ”included data on sexual deviation, drug addiction, alcoholism and such hazardous hobbies as auto racing and flying.” (Source, ”Insurance Data Called Faulty“, The New York Times, October 4, 1973.)

That consumers are largely unaware of the MIB’s existence cannot be blamed on individual apathy or misinformation. The Medical Information Bureau (MIB) was purposefully hidden by its employees. Mr. Wilberding also testified that “applicants for health insurance policies were “not told” that medical information would be made available to the 700 companies that support the data bank, and insisted that applicants “shouldn’t be told.” (more…)

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Employer Health Care Penalty – When Your Boss Makes You Pay for Being Fat

As they fight rising health-care costs and poor results from voluntary wellness programs, companies across America are penalizing workers for a range of health conditions, including high blood pressure and thick waistlines. They are also demanding that employees share personal-health information, such as body-mass index, weight and blood-sugar level, or face higher premiums or deductibles.

Corporate_Wellness_Penalty

Six in 10 employers say they plan to impose penalties in the next few years on employees who don’t take action to improve their health, according to a recent study of 800 mid- to large-size firms by human-resources consultancy Aon Hewitt. A separate study by the National Business Group on Health and Towers Watson found that the share of employers who plan to impose penalties is likely to double to 36% in 2014. (PDF file: NBGH/Aon Hewitt Report: The Employee Health Care Mindset: Views, Behaviors, and Solutions (2010)).

Current law permits companies to use health-related rewards or penalties as long as the amount doesn’t exceed 20% of the cost of the employee’s health coverage. John P. Hancock, a veteran labor and employment attorney at Butzel Long, a Detroit-based law firm, says that while companies can’t legally dock a worker’s pay for a health issue, they can tie an employee’s health-care bill to whether the worker meets or misses health goals. As long as employers offer exemptions for workers with conditions that prevent them from meeting health goals, the firms are in the clear.

For example, employees at at Michelin North America Inc. who have high blood pressure or certain size waistlines may have to pay as much as $1,000 more for health-care coverage starting next year.

Employees at Michelin will be forced to pay the penalty unless they can prove they meet the Michelin’s corporate “healthy standards” for blood pressure, glucose, cholesterol, triglycerides and waist size—under 35 inches for women and 40 inches for men. Employees who hit baseline requirements in three or more categories will receive up to $1,000 to reduce their annual deductibles. Those who don’t qualify must sign up for a health-coaching program in order to earn a smaller credit.

Employers may argue that tough-love measures, such as punishing workers who evade health screenings, benefit their staff and lower health-care costs. Such steps also portend a murky future in which a chronic condition, such as hypertension, could cost workers jobs or promotions—or prevent them from being hired in the first place.

Employee-rights advocates say the penalties are akin to “legal discrimination.” While companies are calling them wellness incentives, the penalties are essentially salary cuts by a different name, says Lew Maltby, president of Princeton, N.J.-based National Workrights Institute, a nonprofit advocacy group for employee rights in the workplace. “No one ever calls a bad thing what it really is,” he says. “It means millions of people are getting their pay cut for no legitimate reason.”

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Inside Deloitte’s New Life Insurance Consumer Assessment Technology and Predictive Modeling Software

The use of sensitive personal information by insurance companies to execute underwriting decisions is expanding to include consumer marketing data. An investigation by The Wall Street Journal revealed a remarkable proliferation of the use of consumer-marketing data to create a “predictive modeling” system for insurance applicants.

With an inside view of Deloitte Consulting LLP’s new consumer assessment technology for life insurance companies, the Wall Street Journal reports that Deloitte designed predictive modeling software that uses data such as personal and family medical histories, as detailed on written insurance application forms, to categorize people into various risk categories.

Deloitte’s software also has access to industry-shared information from past insurance applications and motor-vehicle reports. Furthermore, the Deloitte software also uses consumer-level marketing data from Equifax Inc.’s marketing-services unit, since acquired by Alliance Data Systems Corp. The consumer files contained hundreds of data points on each person catalogued, including attributes applied to each individual, such as hobbies, TV-viewing habits, and income estimates. In Deloitte’s final predictive model, the nontraditional consumer-marketing data represented about 37% of the predictive ability, it says.

Life insurance provider Aviva and Deloitte judged the test largely successful. “The use of third-party data was persuasive across the board in all cases,” said John Currier, chief actuary for Aviva USA. (more…)

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Congress Reveals the Largest Insurance Companies are Using Pre-Existing Conditions to Deny Coverage

The U.S. House of Representatives, Committee on Energy and Commerce conducted an investigation into the extent of coverage denials and exclusions for pre-existing conditions in the individual health insurance market.

In the following memorandum, Congress reveals that the (1) the four largest for-profit health insurance companies, Aetna, Humana, UnitedHealth Group, and WellPoint, denied over 600,000 individuals coverage because of pre-existing conditions in the three years before passage of health reform and (2) the number of coverage denials increased significantly each year.

Shockingly, the Committee on Energy and Commerce uncovered that Aetna, Humana, UnitedHealth Group, and WellPoint refused to pay 212,800 claims for medical treatment due to pre-existing conditions between 2007 – 2009. In some cases, the companies offered health insurance to individuals with pre-existing conditions, but used medical riders to exclude coverage or increase deductibles for the pre-existing conditions.

American consumers were aghast to learn that Aetna, Humana, UnitedHealth Group, and WellPoint all had corporate business plans for increasing revenue by relying pre-existing conditions to limit the amount of money paid for medical claims. In one document, executives devised a plan for “strategic growth” in the individual market that identified areas of opportunity to be “improved pre-existing exclusion processes, tighter condition and large claim review, [and] tighter underwriting guidelines.”

Congress also exposed other internal corporate documents showing that insurance company executives were considering practices such as lengthening the look-back period, assessing separate deductibles specifically for identified pre-existing conditions, denying payments for prescription drugs related to pre-existing conditions, linking additional claims to pre-existing conditions exclusions, and narrowing the definition of prior creditable insurance coverage.

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Baby Denied Healthcare While in the Womb. Aetna Says Newborn has Pre-Existing Condition.

Health insurance company Aetna, held up paying thousands of dollars in medical charges to newborn Kinsleigh Barnes, according to a report by ABC News. The reason? The insurance company said the newborn might have been suffering from a pre-existing condition.

New mother Kelly Barnes is heartbroken and angry. Barnes said she called Aetna hoping for a resolution.  ”It’s like you’re talking to somebody who is reading from a script,” Barnes said. “They don’t have answers for you based on what you’re telling them.”

According to Barnes’ attorney, ”Under Aetna’s own definition, in order to deny for pre-existing condition, there has to be medical advice or care that was rendered or given. And in this case, of course, that would be real hard, given the fact the baby was still in the womb.”

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500,000 Americans Denied Health Insurance Coverage Based on Pre-Existing Conditions

The four largest health insurance companies in the United States denied insurance coverage to more than half a million individuals because of their pre-existing conditions from 2007 to 2009, according to an investigation by the House of Representatives Committee on Energy and Commerce. On average, the four companies – Aetna, Humana, UnitedHealth Group and WellPoint – denied 1 out of 7 applicants’ coverage based on conditions such as pregnancy, angina, diabetes and heart disease.

A memo circulated by one unidentified company in 2006 listed 14 medical categories that did not require review, including: any woman who was pregnant or had been treated for infertility within five years.

The congressional investigation found that the number of people who were denied coverage increased about 49 per cent from 2007 to 2009. In a two year period, the insurance corporations refused to pay 212,800 claims for individuals who were already insured based on their previous medical conditions.

The congressional probe also found that each company saw its policy on pre-existing conditions as a key area of revenue growth. For example, internal documents by a company that was not identified by the committee showed that executives were considering practices such as denying payments for drugs related to pre-existing conditions and linking additional claims to pre-existing condition exclusions as ways to limit the amount of money the company had to pay for claims.

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Hospitals Perform “Wallet Biopsy” on Patient Credit Scores Before Providing Treatment

According to BusinessWeek, hospitals and medical care providers are buying credit scores and other financial data about patients to determine if the sick can afford treatment.  In the hospital business they call it a “wallet biopsy.” A growing number of medical centers are using sophisticated software that digs into patients’ finances to help determine whether they will receive free or discounted care.

The procedure, which is not understood by most patients or even many doctors, generally doesn’t come into play when there is an emergency. But it has raised eyebrows for several reasons: Hospital administrators are looking at patient data—credit scores, credit-card limits, and 401(k) balances—not usually associated with treatment decisions.

Evelyn Leonard, a 49-year-old cafeteria worker, says that Halifax Health Medical Center of Daytona Beach, Florida refused to schedule her for radiation treatment earlier this year after staff members questioned her about possibly tapping her 401(k) account to help pay the bill.  Leonard’s annual income of about $18,000 qualifies her for charity treatment at Halifax, and the hospital gave her a 50% discount for a procedure last year related to a benign tumor behind her left eye. She estimates she still owes several thousand dollars to Halifax.

Patients are surprised to learn that they’re being subjected to the analysis, especially so in the case of nonprofit hospitals that historically have been magnanimous with charity care. And some health experts fear that hospitals will use techniques borrowed from the mortgage and car-loan industries to deny treatment to consumers with little or no health insurance.

The surest sign that wallet biopsies are catching on is the proliferation of analysis companies offering their services to the country’s 5,000 hospitals. SearchAmerica, a company that sells patient-analysis software, says that it has 1,000 hospital clients. The three major credit bureaus—TransUnion, Equifax (EFX), and Experian (EXPGY)—are marketing their own customized software for medical providers. And this summer, private equity giant Bain Capital invested $50 million in MedeFinance in Emeryville, Calif. (more…)

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Healthcare.gov Open for Consumers and Health Insurance Companies

The U.S. Department of Health and Human Services, under the authority of President Barack Obama, unveiled an innovative new online tool to help consumers take control of their health care by connecting them to new information and resources that will help them access quality, affordable health care coverage.  As stipulated by the Affordable Care Act, HealthCare.gov is the first website to provide consumers with both public and private health coverage options tailored specifically for their needs in a single, easy-to-use tool.

HealthCare.gov helps consumers take control of their health care and make the choices that are right for them, by putting the power of information at their fingertips,” said HHS Secretary Kathleen Sebelius.  “For too long, the insurance market has been confusing and hard to navigate.  HealthCare.gov makes it easy for consumers and small businesses to compare health insurance plans in both the public and the private sector and find other important health care information.”

HealthCare.gov is the first central database of health coverage options, combining information about public programs, from Medicare to the new Pre-Existing Conditions Insurance Plan, with information from more than 1,000 private insurance plans. Consumers can receive information about options specific to their life situation and local community. In addition, the website will be a one-stop-shop for information about the implementation of the Affordable Care Act as well as other health care resources. The website will connect consumers to quality rankings for local health care providers as well as preventive services. (more…)

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Penalty for Violating Ban on Pre-Existing Conditions is $100 per day (42 U.S.C. § 300gg–22(b)(2)(C)(i))

The Patient Protection and Affordable Care Act, Bill Number H.R. 3590, prohibits insurance companies from using pre-existing conditions to underwrite, reject, or rescind health insurance policies.  Yet, H.R. 3590 itself lacks an enforcement mechanism to deter and punish health insurance corporations for violations of the prohition on pre-existing condition exclusions and other discrimination.

Any health insurance corporation that violates the prohition on pre-existing condition exclusions and other discrimination in Section 2704 of the Patient Protection and Affordable Care Act, is subject to “civil money penalties” (e.g., fines) under 42 U.S.C. § 300gg–22(b)(2)(C)(i) of the Public Health Service Act (42 U.S.C. §§ 300gg et seq.), which stipulates that the maximum amount of financial penalty imposed under for violations is $100 for each day for each individual with respect to which such a failure occurs. (Notably, there are no criminal penalties and the statute enables health insurers to obtain administrative and judicial review before any civil money penalties can actually be collected.) (more…)

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Video – First Lady Michelle Obama Speaks on Health Insurance Reform and Older Women

Watch as First Lady Michelle Obama speaks about the difficulties senior women face in today’s health insurance market and the importance of reform. From the The White House, Washington, D.C. on November 13, 2009.

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Video – President Barack Obama On the Passage of Health Care Reform

Watch as President Obama speaks moments after the historic passage by the House of Representatives of the Senate’s health reform legislation.

After a vote on March 21, 22, 2010 in the U.S. House of Representatives (Congress) to pass health care reform (health insurance reform), President Barack Obama, with Vice President Joe Biden, speaks to all Americans on the change they will finally see as they are given back control over their own health care and health insurance choices.

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Video – The Influence of Money and Lobbying on Health Care Reform

Watch as Bill Moyers explores at the influence of money and lobbying on health care reform efforts in Washington, D.C. on The Bill Moyers Journal on PBS.

Last month, testimony in front of the U.S. Senate Committee on Commerce, Science and Transportation by a former health insurance insider named Wendell Potter made news even before it occurred: CBS NEWS headlined: “Cigna Whistleblower to Testify.” After Potter’s testimony the industry scrambled to do damage control: “Insurers defend rescissions, take heat for lack of transparency.”

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Disqualified for Health Insurance by Pre-Existing Conditions

In all but a handful of states, if you have a pre-existing medical condition, you’re going to have a hard time buying individual insurance. You might get turned down completely, or be charged very high premiums and probably also have to wait as long as a year (paying those very high premiums the whole time) before the health plan covers your condition’s treatment.  On the Consumer Reports Health Blog, Michael Miano shares how his insurance company disqualified him from coverage,

“When Michael Miano, 61, of Abingdon, Va., first sought to buy individual insurance in 2003 after leaving a federal regulatory position and exhausting his COBRA benefits, he was distressed to learn that he was uninsurable.” I’ve been diagnosed with diabetes but I’m perfectly healthy,” he says. “I follow a strict diet. I’m not overweight and I walk 20 miles a week. I check my glucose levels regularly. I take oral medication, and my diabetes is completely under control.”

His problems result from the practice called medical underwriting. It’s illegal nationwide for insurers to discriminate against people in group plans on the basis of their health. But in all but a handful of states, medical underwriting for individual plans is allowed.”

Whether you can get an individual health insurance policy, and how much you’ll have to pay for it, depends largely on your state’s laws and regulations. Some states allow medical underwriting, a practice in which insurers can reject people with illnesses, exclude specific conditions from coverage, and charge people with health issues much higher premiums. Other states outlaw medical underwriting. You can research your state’s rules at www.healthinsuranceinfo.net, maintained by the Georgetown University Health Policy Institute.
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12 Tips for Choosing and Purchasing Affordable Life Insurance

Insurance is an important part of financial planning — but understanding insurance and buying the right product can be tricky. From whole to term life, riders to convertibility clauses, how do you make sense of all the choices? Most people rely on the expertise of their insurance advisor, broker, or sales representative to help them make the right decision.

Yet, for some people, insurance representatives have developed a bad reputation, and many people do not trust the “recommendations” they receive.

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Video – First Lady Michelle Obama Explains that Health Insurance Reform Matters to Women

First Lady Michelle Obama explains why Health Insurance Reform matters to women. Watch First Lady Michelle Obama explain why Health Insurance Reform matters to women.

The First Lady says that, in some states, maternity care is not covered because pregnancy can be seen as a pre-existing condition.  Worse, it’s even legal in some states to deny a woman coverage because shes been a victim of domestic violence.
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Take Action – All Consumers are Entitled to Request Annual Medical Reports (FCRA)

If you wouldn’t apply for credit without reviewing your credit report, don’t apply for health and life insurance without checking your medical report.

Health and life insurance corporations have powerful technologies for evaluating and pricing individual insurance applicants: personal “medical report” files. The Washington Post says that these medical reports, which are like credit reports for your health records, have been created for more than 200 million Americans.

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. Using information from your medical report files, insurance companies can charge higher premiums or terminate coverage. (more…)

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Personal Prescription Data is Bought and Sold by Insurers and Pharmaceutical Companies

Prescriptions, and all the information on them — including not only the name and dosage of the drug and the name and address of the doctor, but also the patient’s address and Social Security number — are a commodity bought and sold in a murky marketplace, often without the patients’ knowledge or permission.

If enforced, the federal stimulus law enacted by the Obama administration in February 2009 prohibits in most cases the sale of personal health information, with a few exceptions for research and public health measures like tracking flu epidemics.  The new provisions also tighten rules for telling patients when hackers or health care workers have stolen their Social Security numbers or medical information, as happened to Britney Spears, Maria Shriver and Farrah Fawcett before she passed away in June 2009.
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Nobody Knows the Medical Information Bureau (MIB) (Secrecy and Privacy)

The Medical Information Bureau Inc. (MIB Inc.) (a/k/a, MIB Group, Inc., a/k/a, MIB, Inc., a/k/a, MIB Solutions, Inc.) has been the subject of ongoing controversy since the 1970′s, when its existence first became generally known. Even today, the Medical Information is an unknown entity; most consumers, doctors, and even politicians, remain unaware of its existence.

The Medical Information Bureau has a penchant for secrecy. For many years, insurance agencies consulted MIB without telling applicants about the files. MIB even had an unlisted phone number. Today, the secret continues, if to a lesser extent: MIB won’t publish its list of corporate members or release the list of codes it uses. More importantly, the MIB refuses to provide a centralized, secure, online source for consumers to request, review, and dispute their medical report files.

The following article, “Nobody Knows the MIB” by, Simson Garfinkel is excerpted from Database Nation: The Death of Privacy in the 21st Century (2000):

“… As part of his Ph.D. thesis at Harvard Business School on privacy policies in corporate America, Jeff Smith surveyed more than a thousand people on a variety of privacy issues, and conducted in-depth interviews with several dozen. One of the key questions he asked was whether people had ever heard of a company called the Medical Information Bureau (MIB). What he found wasn’t terribly surprising: they hadn’t… I asked my wife if she knew what the Medical Information Bureau was. She said she didn’t. (more…)

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Medical Information Bureau (MIB) Fact Sheet is Current (from 1990)

The Medical Information Bureau (a/k/a, MIB Group, Inc., a/k/a, MIB, Inc., a/k/a, MIB Solutions, Inc.) is the nation’s largest insurance reporting agency. Under Federal law, every consumer is entitled to a free annual copy of their medical report file.

MIB’s basic purpose was (and continues to be) to detect and deter fraud and misrepresentation in connection with the underwriting of life and health insurance and claims. MIB helps “keep the cost of insurance down for insurance companies and for consumers by preventing losses that would occur due to fraud or omissions,” says Neil Day, MIB’s president.

For many years, insurance agencies consulted MIB without telling applicants about the files. MIB even had an unlisted phone number. Today, the secret continues, if to a lesser extent: MIB won’t establish a secure website for consumers to request, review, and dispute their MIB medical reports.

In the past the Medical Information Bureau (MIB) reported codes in consumers’ files for such non-medical information as “sexual deviance” and “sloppy appearance.” MIB, Inc. President Neil Day disagrees, but since the Medical Information Bureau (MIB) won’t release the list of conditions for which it has created codes, there is really no way to know for sure. There have also been disagreements over the accuracy of MIB’s files.

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