MIB Group Inc.  (“MIB”) is an industry trade organization owned by more than 450 insurance companies. Formerly, the “Medical Information Bureau, the MIB detects and deters fraud that may occur while applying for life, health, disability, long-term and critical-illness insurance.

Each year, consumers may obtain one free copy of their medical records and question the accuracy of any item in their file, and request correction of it in accordance with the procedures of the federal Fair Credit Reporting Act (“FCRA”). When a consumer disputes a particular item, the member company that reported the information is contacted, and immediately conducts an investigation to determine if the disputed information was complete an accurate.

To obtain a free copy of your consumer file, you may call (866) 692-6901. However, if you have not applied for individual life, health or disability insurance within the last seven years, there will not be an available consumer file. Also, you will likely be asked personal identification information and to certify that you are the person requesting disclosure.

The MIB Consumer Guide provides extensive information regarding what companies do with your information, and how that information gets in your file. The MIB automatically and uniformly purges records after seven years.

Ohioquotes.com, the premier website for Ohio health insurance plans, will gladly provide additional information regarding the MIB upon request.

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