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The Medical Information Bureau - Explain
Many people are unaware of the Medical Information Bureau (MIB). The Medical Information Bureau is actually a central database of medical information. Any insurance claim that is filed by you or on your behalf can be reported to the Medical Information Bureau. The main intention behind the Medical Information Bureau is to provide background information to its insurance company members.
The Medical Information Bureau collects information of people who have applied for individual health or life insurance policies. The Medical Information Bureau provides the necessary information needs of most health and life insurance companies in North America that seek health, credit and other information about the people who request to be insured. In fact the Medical Information Bureau helps in detecting and preventing fraud that may occur while obtaining life, <a href="http://www.healthon.com"> health </a>, critical illness, disability income, and long-term care insurance. It also helps in lowering premiums to insurance-buying consumers.
The Medical Information Bureau collects information such as credit information; medical conditions, medical tests and results; habits such as smoking, over-eating, gambling, drugs; hazardous avocations and hobbies; and motor vehicle reports such as poor driving history and accidents. The information collected by the Medical Information Bureau is saved on file for seven years. The files maintained by the Medical Information Bureau do not include your complete medical records, but contain only codes signifying certain health conditions. The information in MIB recorded as codes for specific <a href="http://www.healthon.com"> medical conditions </a> and lifestyle choices. The medical conditions include High blood pressure, Asthma, Diabetes, Depression, Participation in high-risk sports such as skydiving, smoking, etc.
Many insurance companies use the services of the Medical Information Bureau. The information collected by the Medical Information Bureau helps the insurance companies decide the candidates who are likely to live long enough so that the company makes profit. The insurance companies use the information from the Medical Information Bureau to check up before they issue life, health or disability policies. Thus they help the insurance company to determine whom to accept for insurance and whom to reject.
The employees or members of Medical Information Bureau can access your personal information only after getting your signature. But employers, vendors, and non-members do not have access to the MIB files. You have access to your MIB report once in each year at no cost to you. You can request online or make a call to the MIB.
The service of the medical information bureau is important to patients. The patients must be aware that the medical information bureau exists to easily obtain the insurance they may wish to acquire. Plan to obtain any MIB records currently available on the MIB file, if you have the idea of purchasing any form of life, disability, long-term or other health-related insurance within the next few years.
The Medical Information Bureau is a consumer reporting agency subject to the Fair Credit Reporting Act (FCRA). It sets a national standard of privacy of health information. If you are denied insurance based on an MIB report, you have certain rights under the FCRA to correct the erroneous MIB information.
The Medical Information Bureau follows the philosophy that every consumer should be permitted to know the contents of his or her record maintained by the Medical Information Bureau, and that the consumers has the right to correct any inaccurate or incomplete information in the record. This is advantageous to both the consumers and the MIB by assuring that the MIB record information is as truthful as possible.
About the Author
kevin moshayedi is an expert author, who is presently working on the site about Health Topics He has written many articles in various topics like Doctor search ,Visit our site http://www.healthon.com.