How do I get a copy of my MIB report?
UPDATED: Sep 24, 2012
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Asked September 24, 2012
The first thing that you should be aware of is that the Medical Information Bureau, or MIB for short, does not disclose your private information to anyone without your permission. Before information will be released to a third party, your signature is required, protecting your privacy and preventing companies with no relation to your medical care from making use of your personal and confidential medical insurance information.
The MIB is similar to a credit bureau for health insurance. Although most people have never heard of them the organization was founded over a hundred years ago, in 1902. It serves the purpose of providing information to member insurance companies regarding the health, credit and other medically related information about you. The purpose is to provide a standard set of information to potential insurers who are trying to decide whether to accept applicants. Their mission is to assist in "detecting and deterring fraud that may occur in the course of obtaining life, health, disability income, critical illness, and long-term care insurance."
You are entitled to one free MIB per year. To get it, you will need to contact the Medical Information Bureau directly. You can either log into the website at MIB.com. Call the company, or send them a written request via regular mail.
The phone number is (617) 426-3660.
The address is:
P.O. Box 105
Boston, MA 02112
The way you can use this report is to compare it against your records, verify that the information it contains is correct and that there are no entries which are not related to your medical care. If problems are found, report them to agency for verification and correction. Because your MIB report affects the cost of insurance, making sure that your MIB report is error-free can result in a tremendous savings on health insurance
Answered September 24, 2012 by Anonymous