The Medical Information Bureau Inc. (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.  According to MIB, Inc. marketing materials,

“MIB, Inc. is the premiere provider of fraud detection information for individually underwritten life, disability income, long term care and critical illness insurance.  MIB member companies rely on its Checking Service for the fast, secure aggregation and  exchange of data to combat fraud, improve underwriting effectiveness and increase product line profitability while ensuring fair pricing for all applicants.”

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.

“MIB facilitates this sharing of information among member companies through a proprietary, secure system for data exchange.  This data acts as the vehicle to steer the underwriter’s investigation, providing the insurance industry with a more complete and accurate picture of an insurance applicant’s health situation.  MIB provides underwriters the knowledge they need, when they need it.”

On the final page of the MIB “At A Glace” marketing materials, in the  “Consumer Services” paragraph, The Medical Information Bureau, Inc. reveals,

“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 process, consumers may request their MIB records one time per year, free of charge.”

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

MIB Inc Medical Information Bureau Fact Sheet

Under Federal law, all consumers are entitled to an annual copy of their medical report files from the nationwide specialty consumer reporting agencies.

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