MIB Data

[somarco]

Looking at the MIB page for consumers, I notice this bit of information.

We will not have a consumer file (consumer report information) on you if you have not applied for individually underwritten life, health, or disability income insurance during the preceding seven year period.

This evokes some questions.

Does this mean that if someone has been uninsured, or covered only by a group plan for the last 7 years and has not applied for individual coverage, there will be no record at MIB?

Does MIB store medical information beyond 7 years?

 

[Colorado Newbie]

Bob, it's my understanding that anytime someone uses their insurance that info get's reported to MIB. Yet on the flip side, I remember seeing a report issued by MIB that only 25% of those with insurance actually get their activities reported to MIB. I've had applicants get held up in underwriting for something on their MIB from when they were on group insurance.

Correct me if I'm wrong but isn't the MIB a non-profit set up by the health insurance companies?

 

[YouGotMyMoney]

As a "membership" or "non-stock corporation," MIB has not been capitalized through the issuance of stock and MIB has no shareholders. MIB's members are the ultimate beneficial owners of the corporation. In contrast to "for profit" corporations, MIB was organized for purposes other than generating profit and no part of the corporation's income is distributed to its members, directors, or officers. However, MIB does not enjoy tax exempt status.

 

[somarco]

Some claim data is reported to MIB, but carriers are relying more on Rx data mines like IntelliScripts. Rx history only goes back (I believe) 4 years.

I am trying to figure out if someone has a medical issue that is older than 7 years and has not been treated in any fashion during that time period if the carriers will find it.

 

[moonlightandmargaritas]

Bob, it's my understanding that anytime someone uses their insurance that info get's reported to MIB.

No, no, no, no, no.

 

[Mark]

They really just look at the MIB to see if you have been turned down for insurance.

The RX CHECK tells them a lot more then the MIB.

 

[retread]

They really just look at the MIB to see if you have been turned down for insurance.

The RX CHECK tells them a lot more then the MIB.

Yes, and the MIB data may be invalid... I just had a client downgraded to a Modified death benefit because of MIB report, and went to another company and got her Level benefit! I emailed MIB and demanded a report... they will only send a reply on denial due to MIB data. Since we withdrew the app, they will not send us any information. This is less forthcoming than credit bureau reports, for sure.

And yes, the Scripts ck is more dynamic. MIB only holds insurance records such as claim or application denials, not medical records on the client. Scripts, on the other hand, reports all Rx.

Another ck that can be revealing is MVR.

 

[Colorado Newbie]

retread, check out this page. Sounds like the comms between MIB and you somehow became skewed

 

[Guest]

The RX CHECK tells them a lot more then the MIB.

Is every script that is filled go to the RX database, or only those where a claim has been filed? Say someone is taking Lexapro but pays cash as he does not want a paper-trail on it fearing he will lose his job, etc., if found out he is taking it.

I don't remember a pharmacy asking me for my SSN but I've never had a script filled that I didn't have go on my deduct so I could pay the negotiated rate.

How about a female college student on parents plan taking BC pills and does not want her arch-conservative father to know (because he will beat the crap out of her) so she pays cash at her local CVS Pharmacy. Would that somehow make its way to the RX database? I would doubt it, but I don't know for sure. Anyone?

 

[Colorado Newbie]

Is every script that is filled go to the RX database, or only those where a claim has been filed? Say someone is taking Lexapro but pays cash as he does not want a paper-trail on it fearing he will lose his job, etc., if found out he is taking it.

I don't remember a pharmacy asking me for my SSN but I've never had a script filled that I didn't have go on my deduct so I could pay the negotiated rate.

How about a female college student on parents plan taking BC pills and does not want her arch-conservative father to know (because he will beat the crap out of her) so she pays cash at her local CVS Pharmacy. Would that somehow make its way to the RX database? I would doubt it, but I don't know for sure. Anyone?

From what I understand the only way for anything to get reported is if they use their insurance.

And if they don't sign anything at the pharmacy wouldn't the scenarios you're presenting be a violation of HIPAA?