Where Does the MIB Information Come From?

nfl72

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I have an app going on right now with another thread about the 58 year old man with AFIB. I called him in to both Foresters and RNA attempting to get a level policy. RNA flat denied the policy based upon the MIB and Foresters suspended it. Although I had a Drs. report, 2 pages, addressing the AFIB etc they still are requiring to see the MIB.

This applicant was denied by AAA about 2 months ago. After they declined the guy the agent was pretty rude with the applicant, who seems to be a really nice easy going guy. He is a minister with a very pleasant demeanor. I do not suspect him of lying about anything.

Foresters told me they suspended the app because of the question 2Ba. He has AFIB according to the Drs report not Cardiomyopathy or Congestive heart failure. They put him on Coreg for only 30 days with no refills. Foresters also said they suspended the file because of what AAA posted on the MIB? I thought Drs. were the ones who posted the info? So who posts the info? and where does the info that AAA reported come from?

Another strange thing about the application is both Foresters and RNA asked the smoking question to the applicant twice as if they don't believe him. He told me he has never taken any prescription drugs to quit smoking. He quit by himself cold turkey over 7 years ago.
 
Mib uses special codes to report adverse info from insurance company's.The mib doesn't disclose if an applicant was declined or rated. If both companies asked the smoker question 2 times it means he's coded as a smoker on the mib as that's how a company reported him.
 
I have an app going on right now with another thread about the 58 year old man with AFIB. I called him in to both Foresters and RNA attempting to get a level policy. RNA flat denied the policy based upon the MIB and Foresters suspended it. Although I had a Drs. report, 2 pages, addressing the AFIB etc they still are requiring to see the MIB.

This applicant was denied by AAA about 2 months ago. After they declined the guy the agent was pretty rude with the applicant, who seems to be a really nice easy going guy. He is a minister with a very pleasant demeanor. I do not suspect him of lying about anything.

Foresters told me they suspended the app because of the question 2Ba. He has AFIB according to the Drs report not Cardiomyopathy or Congestive heart failure. They put him on Coreg for only 30 days with no refills. Foresters also said they suspended the file because of what AAA posted on the MIB? I thought Drs. were the ones who posted the info? So who posts the info? and where does the info that AAA reported come from?

Another strange thing about the application is both Foresters and RNA asked the smoking question to the applicant twice as if they don't believe him. He told me he has never taken any prescription drugs to quit smoking. He quit by himself cold turkey over 7 years ago.

MIB info comes from insurance companies. Doctors do not report to the MIB.
 
So if the insurance company is reporting information about a client. Where does the insurance company get their information? I would assume it would be from Drs.?

Joe blow the patient goes to Dr X and Dr X tells him he has AFIB. The Dr makes notes of this in his patient records. Joe blow decides he wants life insurance so he goes to AAA. AAA orders medical records from DR X. AAA finds out the client is a bad risk and turns him down and then report their findings to the MIB.

So in a round about way the information is in fact coming from Drs? It is just being reported by the insurance companies. So is it safe to assume that companies that write SIWL policies would never report anything, because anything they gather they get from the MIB. So there is no need to report it again?
 
Companies are not always as careful as they should be in reporting to the MIB and the same with the database for the script checks. If an applicant has a common name and especially the same name as a relative, you can expect some incorrect information. The same can happen with credit reports as well.

I still recall one guy, he had an uncle who was close in age, from the same town and the exact same name. His MIB and script check were full of the uncle's info. Rather than fight it, we just got him coverage with Aetna before they were checking either.

I recall another guy, this was with Foresters. Same name as someone else in his town. The other guy had HIV, he didn't. Fortunately Foresters accepted a letter from his doctor that he was never diagnosed or treated for HIV or AIDS.

Naming your son Jr. is about the worst gift you can give.
 
So if the insurance company is reporting information about a client. Where does the insurance company get their information? I would assume it would be from Drs.?

Joe blow the patient goes to Dr X and Dr X tells him he has AFIB. The Dr makes notes of this in his patient records. Joe blow decides he wants life insurance so he goes to AAA. AAA orders medical records from DR X. AAA finds out the client is a bad risk and turns him down and then report their findings to the MIB.

So in a round about way the information is in fact coming from Drs? It is just being reported by the insurance companies. So is it safe to assume that companies that write SIWL policies would never report anything, because anything they gather they get from the MIB. So there is no need to report it again?


No, that stuff would come from an APS. Insurance companies report claims to the MIB. Say you had a stent put in and your insurance paid for the procedure. They report that they had that claim.

If you paid cash for the surgery it would not be on the MIB. Of if you had it at the VA. They don't report to the MIB.

They also report that you applied for insurance.

The MIB is completely an insurance thing. It's funded and supported by insurance companies.
 
Below is more info from https://www.mib.com:

MIB does not collect and store a person's actual medical records.
MIB does not collect, maintain or store any medical records such as examination reports, attending physician statements, lab test results, x-rays, underwriting files or reasons for denial of insurance. Instead, MIB's members agree to share information of underwriting significance in the form of brief medical and avocation "codes,” which are a simple form of encryption.
>>more
Members report information to MIB using these proprietary and highly confidential codes to signify different medical conditions (typically hazardous vocations and adverse driving records) affecting the insurability of the proposed insured. These are conditions that have a significant impact on an applicant's health or longevity and are reported under broad categories of medical conditions.

A person’s health information is not sent to MIB without an applicant’s knowledge or authorization.
If a member company wants to use MIB, then it must provide the applicant with the MIB Pre-Notice which describes MIB; the circumstances under which a brief report may be sent to MIB by our members; the conditions under which MIB will disclose the report to another member insurance company; and, the address to contact MIB for Disclosure and correction of an MIB record, if a record exists.

Additionally, the member must obtain the applicant’s signature on a written authorization in which MIB is identified as an information source along with other sources that might have records about the applicant, such as personal physicians. Therefore, a member company cannot search MIB or report information to MIB without the applicant’s knowledge and authorization.

Not everyone has an MIB Consumer File.
In order to have an MIB Consumer File, a consumer must have applied for individually underwritten life, health, disability income, long-term care or critical illness insurance within the past 7 years and the insurance company to which he or she applied (or its reinsurer) must have been an MIB member company that submitted an MIB inquiry with the consumer’s authorization. Therefore, a consumer may not have an MIB Consumer File if: (i) he/she applied for insurance more than 7 years ago; or (ii) he/she applied for insurance that was not individually underwritten; (for example, group insurance or guaranteed issue life, or ACA-based health insurance); or (iii) he/she applied to an insurance company that was not an MIB member.

As a practical matter, MIB codes are not typically reported on individuals who are in good health, meaning that their life and health insurance applications are approved by the insurer as standard or preferred risks.

MIB does not share its data with organizations other than its members.
MIB only shares an individual's file with its member life and health insurance companies (with the individual's authorization) or with the individual directly, unless otherwise required or allowed by law. Therefore, employers, vendors, physicians and non-members do not have access to MIB files and MIB does not sell any individually identifiable information to any non-member third parties.

Further, the federal Fair Credit Reporting Act and the Privacy Rule under the Health Insurance Portability and Accountability Act ("HIPAA") severely restrict the use and dissemination of individually identifiable information, and MIB complies with both the letter and spirit of these laws.

You do not have to pay a fee to receive your MIB Consumer File.
MIB is firmly committed to the principle that every person is entitled to know the contents of their MIB Consumer File, if one exists. There is no charge to request a free copy of your MIB Consumer File once per year directly from MIB using our toll free line (866-692-6901) or our online process.

Having an MIB Consumer File does not make a person uninsurable.
While MIB plays a critical role in an insurer's underwriting and risk classification process by ensuring the information on an application for coverage is accurate and complete, the decision to insure and set premium rates is borne solely by the MIB member company. Insurance companies make every reasonable effort to offer coverage to as many people as possible, while making sure they adequately classify individuals according to the degree of risk they present. Charging appropriate premiums for insured risks allows insurers to remain financially strong so they can meet their long and short-term policy obligations to each and every policyholder.
>>more

MIB does not have a record of whether an individual has been rated or declined for insurance.
MIB's database consists of highly confidential and proprietary codes that signify different medical conditions and other conditions affecting the insurability of the applicant, as verified by members during the underwriting process. These codes do not indicate what action a member company took with respect to an application for insurance (i.e., approval, denial, approved with a substandard rating).

MIB does not obtain information from your hospital records or directly from your physician’s records.
As part of the underwriting process, with your authorization, a member insurance company may obtain your medical records from your health care provider along with other underwriting requirements. Once it has reviewed your medical records, the member company may then report information of underwriting significance to MIB, but MIB does not obtain any information directly from your physician. Only those life or health insurance companies that are members of MIB can contribute coded information to MIB's database.

MIB does not maintain prescription drug history or credit information in its database.
MIB does not maintain prescription drug history or credit information on individuals. MIB members report information to MIB using proprietary and highly confidential codes to signify different medical conditions and other conditions affecting the insurability of the proposed insured. These are conditions that have a material impact on mortality or morbidity and are reported under broad categories of verified medical histories or conditions.

MIB does not make changing your MIB Consumer File difficult.
MIB and its member companies are fully committed to ensuring that only accurate, timely, verified and complete information is reported to MIB. In fact, out of all the free disclosures that we provide to consumers, we find that only 1-2% of these Consumer Files have to be amended due to inaccurate or incomplete information. Based on the very low incidence of corrections that are made to MIB Consumer Files, we are confident that MIB’s files are highly accurate and reflect the uncompromising efforts of MIB and its member companies to report information that is accurate, timely, verified and complete, as required by MIB’s General Rules, Internal Procedural Rules and federal regulations (the Fair Credit Reporting Act).
>>more

MIB information cannot be used in medical identity theft.
If an identity thief stole an individual's MIB Consumer File, it would not yield the precious data from which to steal the individual's medical identity. An MIB file doesn't contain a health plan member identification number, the critical component from which thieves obtain prescription drugs or medical services under an individual's name and health plan coverage. In fact, MIB files do not contain any personal identifiers such as address or telephone numbers, unencrypted Social Security numbers (SSN), driver's license numbers or account numbers (with or without associated PINs).
>>more

MIB operates in a highly regulated environment.
MIB is subject to a myriad of laws governing the use of consumer reports and addressing the privacy of individually identifiable information. These laws either regulate MIB directly or they regulate and impact MIB's members in such a way that MIB must likewise comply in order to allow members to continue using MIB’s services.
>>more
 
Below is more info from https://www.mib.com:

MIB does not collect and store a person's actual medical records.
MIB does not collect, maintain or store any medical records such as examination reports, attending physician statements, lab test results, x-rays, underwriting files or reasons for denial of insurance. Instead, MIB's members agree to share information of underwriting significance in the form of brief medical and avocation "codes,” which are a simple form of encryption.
>>more
Members report information to MIB using these proprietary and highly confidential codes to signify different medical conditions (typically hazardous vocations and adverse driving records) affecting the insurability of the proposed insured. These are conditions that have a significant impact on an applicant's health or longevity and are reported under broad categories of medical conditions.

A person’s health information is not sent to MIB without an applicant’s knowledge or authorization.
If a member company wants to use MIB, then it must provide the applicant with the MIB Pre-Notice which describes MIB; the circumstances under which a brief report may be sent to MIB by our members; the conditions under which MIB will disclose the report to another member insurance company; and, the address to contact MIB for Disclosure and correction of an MIB record, if a record exists.

Additionally, the member must obtain the applicant’s signature on a written authorization in which MIB is identified as an information source along with other sources that might have records about the applicant, such as personal physicians. Therefore, a member company cannot search MIB or report information to MIB without the applicant’s knowledge and authorization.

Not everyone has an MIB Consumer File.
In order to have an MIB Consumer File, a consumer must have applied for individually underwritten life, health, disability income, long-term care or critical illness insurance within the past 7 years and the insurance company to which he or she applied (or its reinsurer) must have been an MIB member company that submitted an MIB inquiry with the consumer’s authorization. Therefore, a consumer may not have an MIB Consumer File if: (i) he/she applied for insurance more than 7 years ago; or (ii) he/she applied for insurance that was not individually underwritten; (for example, group insurance or guaranteed issue life, or ACA-based health insurance); or (iii) he/she applied to an insurance company that was not an MIB member.

As a practical matter, MIB codes are not typically reported on individuals who are in good health, meaning that their life and health insurance applications are approved by the insurer as standard or preferred risks.

MIB does not share its data with organizations other than its members.
MIB only shares an individual's file with its member life and health insurance companies (with the individual's authorization) or with the individual directly, unless otherwise required or allowed by law. Therefore, employers, vendors, physicians and non-members do not have access to MIB files and MIB does not sell any individually identifiable information to any non-member third parties.

Further, the federal Fair Credit Reporting Act and the Privacy Rule under the Health Insurance Portability and Accountability Act ("HIPAA") severely restrict the use and dissemination of individually identifiable information, and MIB complies with both the letter and spirit of these laws.

You do not have to pay a fee to receive your MIB Consumer File.
MIB is firmly committed to the principle that every person is entitled to know the contents of their MIB Consumer File, if one exists. There is no charge to request a free copy of your MIB Consumer File once per year directly from MIB using our toll free line (866-692-6901) or our online process.

Having an MIB Consumer File does not make a person uninsurable.
While MIB plays a critical role in an insurer's underwriting and risk classification process by ensuring the information on an application for coverage is accurate and complete, the decision to insure and set premium rates is borne solely by the MIB member company. Insurance companies make every reasonable effort to offer coverage to as many people as possible, while making sure they adequately classify individuals according to the degree of risk they present. Charging appropriate premiums for insured risks allows insurers to remain financially strong so they can meet their long and short-term policy obligations to each and every policyholder.
>>more

MIB does not have a record of whether an individual has been rated or declined for insurance.
MIB's database consists of highly confidential and proprietary codes that signify different medical conditions and other conditions affecting the insurability of the applicant, as verified by members during the underwriting process. These codes do not indicate what action a member company took with respect to an application for insurance (i.e., approval, denial, approved with a substandard rating).

MIB does not obtain information from your hospital records or directly from your physician’s records.
As part of the underwriting process, with your authorization, a member insurance company may obtain your medical records from your health care provider along with other underwriting requirements. Once it has reviewed your medical records, the member company may then report information of underwriting significance to MIB, but MIB does not obtain any information directly from your physician. Only those life or health insurance companies that are members of MIB can contribute coded information to MIB's database.

MIB does not maintain prescription drug history or credit information in its database.
MIB does not maintain prescription drug history or credit information on individuals. MIB members report information to MIB using proprietary and highly confidential codes to signify different medical conditions and other conditions affecting the insurability of the proposed insured. These are conditions that have a material impact on mortality or morbidity and are reported under broad categories of verified medical histories or conditions.

MIB does not make changing your MIB Consumer File difficult.
MIB and its member companies are fully committed to ensuring that only accurate, timely, verified and complete information is reported to MIB. In fact, out of all the free disclosures that we provide to consumers, we find that only 1-2% of these Consumer Files have to be amended due to inaccurate or incomplete information. Based on the very low incidence of corrections that are made to MIB Consumer Files, we are confident that MIB’s files are highly accurate and reflect the uncompromising efforts of MIB and its member companies to report information that is accurate, timely, verified and complete, as required by MIB’s General Rules, Internal Procedural Rules and federal regulations (the Fair Credit Reporting Act).
>>more

MIB information cannot be used in medical identity theft.
If an identity thief stole an individual's MIB Consumer File, it would not yield the precious data from which to steal the individual's medical identity. An MIB file doesn't contain a health plan member identification number, the critical component from which thieves obtain prescription drugs or medical services under an individual's name and health plan coverage. In fact, MIB files do not contain any personal identifiers such as address or telephone numbers, unencrypted Social Security numbers (SSN), driver's license numbers or account numbers (with or without associated PINs).
>>more

MIB operates in a highly regulated environment.
MIB is subject to a myriad of laws governing the use of consumer reports and addressing the privacy of individually identifiable information. These laws either regulate MIB directly or they regulate and impact MIB's members in such a way that MIB must likewise comply in order to allow members to continue using MIB’s services.
>>more


I was going to give you a thumbs up, but you already gave yourself one.:err:
 
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