Your Medical Insurance Is On the Line And an Organization You Have Never Heard of Is Holding the Reigns
July 29, 2009 by Janet7
They know who you are, whether you smoke and how fast you drive. If you’re applying for medical insurance, you need to know what the MIB knows.
What does medical insurance have in common with the CIA, Freemasons and the Skull and Bones society? Your eligibility for affordable medical insurance or major medical insurance plans just may be shrouded in the mysterious folds of an organization the general public knows little about. There are no secret handshakes or enigmatic symbols, but it does have a coding system known only by its employees and members.
What is this ominous-sounding organization? It’s the MIB Group, formerly known as the Medical Information Bureau, and it provides information to insurance companies that can make or break a consumer’s medical insurance application. Though the MIB has been in existence since 1902, most consumers have not heard of it.
The MIB is described as a “membership corporation,” and is owned by approximately 470 insurance companies who make up the MIB’s membership. The MIB’s stated mission is to detect and deter fraud that may occur during the course of a person obtaining medical insurance, life insurance, disability income and other types of healthcare insurance. It protects insurance companies from being defrauded by an applicant who knowingly or unknowingly omits critical information or lies.
The MIB is a lot like a credit reporting agency. It provides information to insurance companies to help them decide whether or not to provide medical insurance to an applicant. The information also helps the insurance company determine the patient’s premiums.
Not everyone has a report on file with the MIB. If you have not applied for medical insurance or an individual life insurance policy within the last 7 years, then you do not have an MIB report. According to figures reported by the MIB, the organization collects information on around 15% to 20% of people who have applied for either medical insurance or life insurance policies.
The MIB’s similarity to credit reporting agencies isn’t a superficial one. The U.S. government classifies the MIB as a consumer reporting agency, which means it must comply with both the US Fair Credit Reporting Act and the Fair and Accurate Credit Transactions Act. That means consumers have the right to a copy of the information reported by the MIB to insurance companies. In fact, you have access to one free MIB report each year.
Some of the information collected and reported by the MIB includes:
- Medical conditions
- Medical test results
- Negative habits such as drugs, alcohol abuse, smoking and overeating
- Hazardous occupations and/or hobbies
- Poor driving history
Information collected about the MIB stays in a consumer’s files for seven years. Also, a consumer’s record will indicate which, if any, members have requested their information within the previous 12 months.
Because this information can affect a person’s ability to obtain medical insurance, consumers are encouraged to check with the MIB and to request their report if one exists. That way the consumer can check the report for accuracy and will be aware of any issues which may negatively impact their ability to qualify for medical insurance. Consumers have the ability to dispute any of the information on their report through the MIB’s dispute process.
To request your file, phone the MIB by calling their toll-free number: 866-692-6901. You will be asked to provide certain personal identifying information, and only you can request your file. A consumer’s guide to the MIB is available on the group’s website at mib.com.
It is called an amendment to the constitution. It takes 2/3 votes of the senate to pass an amendment and the signature of the president. But before that is takes years of work to get it that far.
The civil rights amendment took years.
Consumer-Directed Family Health Insurance Increases In Popularity …: Certain provisions of the healthcare reform…
It is Variable bit rate ,you need another player if you are having this problem.
Get Miro
I would advice to install Haali´s media splitter (uncheck all options during install) and use Haali´s video renderer instead of EVR.
http://www.kmplayer.com/forums/showthread.php?t=15573&highlight=audio+sync
European market closes: DAX -0.22%, FTSE 100 +0.61%, CAC 40 +1.08%, FTSE MIB +1.39%, IBEX 35 +3.80%. 11:30 EST
HONG KONG (MarketWatch) — Iran already has enough fissile material to make two atomic bombs and could develop nuclear weapons in two years if it wanted to do so, U.S. Central Intelligence Agency Director Leon Panetta said. Panetta praised new sanctions against Iran by the United Nations, U.S. Congress and the European Union in an appearance on ABC’s "This Week" show Sunday, but expressed doubts the penalties would be sufficient to pressure Iran to end its nuclear program. "Those sanctions will have some impact … It could help weaken the regime," Panetta said. "Will it deter them from their ambitions with regards to nuclear capability? Probably not," he said.
Market Pulse Stories are Rapid-fire, short news bursts on stocks and markets as they move. Visit MarketWatch.com for more information on this news.
A little more to help my point…..this is from an article.
___________________________________________________-
On the CIA video, Garner would provide the introduction and possibly a closing statement, said CIA officer Chase Brandon, the agency's liaison to the entertainment industry.
Although the world of Alias, which involves colorful disguises, exotic locales, frequent gunplay and lots of backstabbing and double-dealing, has little to do with the real-world interests of the Central Intelligence Agency, Brandon said the organization would use familiarity with Garner and the show to highlight its own clandestine service
John, we would like to have you participate in our community dedicated 100% to the health insurance industry to share your expertise with consumers asking questions about healthcare insurance. Now more than ever people are asking what comes next, and I believe you would be a great addition to our online community. You can visit the community at and create a profile with your company information, link and twitter account. See you there!
I ALWAYS sleep (ears still listening, but eyes closed) in MIB lectures. ALWAYS. I find myself a middle seat at the back, surround myself with a few friends, and then have a nice sleep for two hours. I never jot down notes, hehe. Just lucky that one of my mom's friends was taking MIB too(in-service students take MIB in their second year), she jotted down notes, and told me to sleep after she noticed I always fall asleep. At the end of the course, she gave me the photocopied version of ALL her notes, hehe. I remembered bringing in a tape recorder with me, so I taped the lectures, and one of my MIB group tutorial friends used the tapes for our project. I meanwhile, never listen to the tapes. I have no idea where they are right now.
Speaking of discriminating MIB lecturers, hmm, my MIB tutor was the nicest of the lot, he didn't treat the girls or the non-Malays differently, but there's this one tutor that I had no choice but ask for his help last time when there's a change in tutors, oh, he's very discriminating. He actually said this:
'Tunggu dulu ah, saya melayan anak-anak saya dulu' (anak-anak: his students)
'Kamu anak-anak saya jua, tapi anak angkat' (anak angkat: Me and my friend)
'Anak banar saya dulu saya peduli' (anak banar: his students)
'Kertas Projek kamu ani, kalau saya, paling tinggi saya bagi 'D' atau 'E' ni' (to me, as he found my group's paper terrible)
One of my cousins took MIB as his major (BA Brunei Studies), and I complained about this guy to him, and this is what my cousin told me.
'Ia atu andangnya tu, jangan peduli. Aku pun inda suka ia, aku lagi teruk kana olehnya'
I also remembered once when I was sitting with some other in-service students, I don't know who they are though they are teachers as they call each other 'cigu' once in a while during the lectures. As usual, I was sleeping, and when I woke up, and there's about 30 min to 1 hour of lecture more to go, I can hear them say 'bah, sejam lagi, batah lagi ni, sampat tidur ni, aku mengantuk lakat ni'
Then, 15 minutes later, 'Eh, abiskan tia lecture ani bah, 15 minit jua ganya lagi'
Hehe, I found that funny, as it showed that, even THEY find it boring.
To Tina: there's a friend of mine who transferred from medical school overseas to biology in Brunei. He's a fee paying student, and he entered UBD as a second year in courses, but according to registrations, he's a first year, he still had to take MIB, and that's his only 1st year subject, other than the subjects that he hasn't taken while in med school.
This from Yesterdays New York Times:
White House Seeks Exception in Abuse Ban
by Eric Schmitt
WASHINGTON – Stepping up a confrontation with the Senate over the handling of detainees, the White House is insisting that the Central Intelligence Agency be exempted from a proposed ban on abusive treatment of suspected Qaeda militants and other terrorists.
“They are explicitly saying, for the first time, that the intelligence community should have the ability to treat prisoners inhumanely,” Tom Malinowski, Washington advocacy director for Human Rights Watch, said. “You can't tell soldiers that inhumane treatment is always morally wrong if they see with their own eyes that C.I.A. personnel are allowed to engage in it.”
massjim: Car insurance is mandated by 1. some but not all: Gaudy 01:02 PM on 3/09/2011. 128 Fans. then mandatory…
They know who you are, whether you smoke and how fast you drive If youre applying for medical insurance, you need to know what the MIB knows What does medical insurance have in common with the CIA, Freemasons and the Skull and Bones society
P Memo: Ryan, Pusshing Budget, Resists Talk of Higher Office #U.S. #government #paul #on #committee #budget
WASHINGTON (Agencies) – The Central Intelligence Agency has no plans to suspend “operations” in Pakistan against terror suspects despite objections from leaders in Islamabad, a US official said Thursday.
Pakistan has criticised missile strikes by US drone aircraft in the country but CIA Director Leon Panetta has told intelligence officials that he has a duty to prevent attacks on the United States, the senior official, who spoke on condition of anonymity, told AFP.
“Panetta
Any Low cost health and medical insurance plans for young adults?:
They know who you are, whether you smoke and how fast you drive If youre applying for medical insurance, you need to know what the MIB knows What does medical insurance have in common with the CIA, Freemasons and the Skull and Bones society
Estate planning advice: helping
Multiple Life Insurance Policies Has Several Meanings: You can own multiple life insurance policies from the sam…
dental medical insurance Michigan
Life Insurance Policies: Finding a Policy That Gives More and Takes Less Through Commission Rebates
sherman alexie tickets Need Ticket sherman alexie tickets think they know about my life insurance
personal medical insurance plans
Shopping …
Life Insurance Policies – Whole of Life Or Term Life? What Are You Talking About?
(MIB) or descendant or alternative databases such a database will provide endless hours of interesting and amusing entertainment to any medical industry-connected underwriter, secretary, clerk, salesperson, executive, or friend or relative of the foregoing capable of being interested, amused, and entertained by any facet of your physiology, its functions or dysfunctions, and any lifestyle elements relating to those.
H. M. Stuart
Alexandria]]>
of course your gonna say that, it’s a secret society, just like freemasons and the skull and bones -
COBRA Healthcare insurance vs Individual Health insurance. While? C.O.B.R.A. insurance coverage is Habitually A …
Is there a low risk type of investment that can outpace an ROP life insurance’s rate of return?
Ener1, a DOE loan recipient, goes bankrupt -