ARE HIPPA LAWS now being set aside?
M.I.B. for most people refers to Men In Black (the movie), but in reality it's the Medical Information Board, a company that houses all your personal medical information including : doctors you visit, medications you take and illnesses you suffer from!
Of course everyone's experience might be different when verifying information that might be missing or incorrect on this website, but be assured (from our staff members personal experience) what you thought would not be there...is there! What's worse is getting that information corrected or removed is much harder that dealing with the 3 credit bureaus! Our research starting with (1) contacting the hospital obtaining the official doctors medical report (medical records dept), (2) then contacting/speaking with the doctor (good luck with this move) who will quickly state "what's there is there", (3) appealing the information by adding your very own addendum to your medical file which is the last thing seen by the newest inquiry. This hopefully ensure that what you’ve disclosed on your current application is consistent with previous applications.
All consumers of personal health and life insurance are entitled by law to receive an annual copy of their medical report file kept by the Medical Information Bureau, Inc. (MIB). Under an agreement with the Federal Trade Commission in 1995 https://www.ftc.gov/, the Medical Information Bureau, Inc. (MIB), and all insurance companies who are members of the Medical Information Bureau, Inc. (MIB) agreed to abide by the Fair Credit Reporting Act.
To request a free copy of your annual file from the MIB, Inc. (Medical Information Bureau), complete one of the following options: (1) Call the MIB, Inc. toll-free telephone number at 1-866-692-6901 to make your request. OR, (2) Download this free MIB request form. Then mail the completed and signed form to “MIB, Inc. 50 Braintree Hill Park, Suite 400, Braintree, MA 02184” to make your request.
The Medical Information Bureau, Inc. (MIB), a Delaware corporation, is the world’s largest insurance reporting agency and represents approximately 750 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, sexual deviation, 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.
Most people have never viewed their medical report files. The Medical Information Bureau(a/k/a, MIB Group, Inc., a/k/a, MIB, Inc., a/k/a, MIB Solutions, Inc.), does not offer consumers a secure system online to request, review, and dispute information in their consumer “medical report” file. Yet, private medical information shared by the The Medical Information Bureau Inc. (MIB) with insurance companies is acclaimed by the insurance industry advocacy group America’s Health Insurance Plans (AHIP) https://www.ahip.org/ as “the fastest, most cost-effective way for insurance companies to determine if medical statements on applications are accurate and complete.”
