Free Annual Medical Report…
Check Your Annual Medical Report
Health and life insurance companies have access to powerful technologies for evaluating whether to cover individual consumers: “medical report” files. Consumer medical report files, sold by the Medical Information Bureau, Inc. (MIB), Ingenix, Inc., and Milliman, Inc. enable health and life insurance companies to charge higher premiums and powered the technology behind rescission of coverage. Most dangerously, medical report files may include both medical and non-medical information about consumers. For instance, data collected by the Medical Information Bureau (MIB) may include medical conditions, credit report history, driving records, criminal activity, drug use, participation in hazardous sports, and personal or family genetic history.
Under Federal law, all consumers are entitled to free annual medical reports from the Medical Information Bureau, Inc. (MIB), Ingenix, Inc., and Milliman, Inc. No consumer should pay for health or life insurance without first checking their free annual medical report files. However, all consumers should be aware that the Medical Information Bureau, Inc. (MIB), Ingenix, Inc., and Milliman, Inc. do not offer a single, secure website to request, review, or dispute your medical report file. To obtain a copy of your free annual medical report file, you must contact the Medical Information Bureau, Inc. (MIB), Ingenix, Inc., and Milliman, Inc. individually, by telephone or postal mail.
On behalf of families, workers, and businesses, the Medical Information Reporting Standards Trust (mirst.org) is advocating for privacy protections in medical records and improved online access to the “medical report” files that are kept on more than 250 million American consumers. Please help us TAKE ACTION to provide secure, online access to your free medical report. Tell a friend, send an e-mail, write a letter, or update your status on Twitter!
Just as AnnualCreditReport.com is the ONLY authorized source to get your free annual credit report under Federal law, the goal of AnnualMedicalReport.com is to provide a secure, modern, and free centralized source for consumers to get free access to the free annual medical report guaranteed under the Fair Credit Reporting Act. The Medical Information Reporting Standards Trust (mirst.org) is committed to providing every consumer with a secure and free online option to request, review, and dispute the contents of his or her medical report file maintained by the Medical Information Bureau, Inc. (MIB), Ingenix, Inc., and Milliman, Inc.
As consumers, we would never apply for credit cards or mortgages without checking our “annual credit reports” to ensure accuracy and fair pricing. However, there is virtually no awareness among consumers that a few, large corporations collect, store, and sell their most intimate medical information! Surprisingly, these organizations have managed to stay under the radar, even during the current health care reform debate. Whereas the New York Times first reported on the Medical Information Bureau in 1932, the last time the newspaper mentioned MIB, Inc. was in 1990.
Under Federal Law, the activities of the Medical Information Bureau, Inc. (MIB), Ingenix, Inc., and Milliman, Inc. qualify them as “credit reporting agencies” and thus are required to provide free annual medical reports to consumers. To enforce compliance on providing annual “medical reports” as required by the Fair Credit Reporting Act (FCRA), the Federal Trade Commission reached an agreement with the Medical Information Bureau, Inc. (FTC Press Release, June 21, 1995 “Nation’s Largest Insurance Reporting Agency Agrees To Expand Consumer Rights – Fair Credit Reporting Act requirements to apply to insurance investigations under new policy accepted by Medical Information Bureau.”); Ingenix, Inc. (FTC Press Release, Febraury 12, 2008;In the Matter of Ingenix, Inc.); and Milliman, Inc. (FTC Press Release, Febraury 12, 2008; In the Matter of Milliman, Inc.) Have you ever checked your free annual medical report from the Medical Information Bureau, Inc. (MIB), Ingenix, Inc., and Milliman, Inc.?
AnnualMedicalReport.com is a project of the Medical Information Reporting Standards Trust (mirst.org), a non-profit entity that represents millions of consumers of health-care services and life insurance products. On behalf of families, workers, and businesses, the Medical Information Reporting Standards Trust (mirst.org) is dedicated to improving privacy protections for personal medical information, establishing technological standards for insurance company use of consumer reporting data, and reducing out-of-pocket costs for consumers by detecting and deterring insurance company fraud and discrimination.
