Denied Insurance Because of a Medical Coding Error in Her MIB Report

Few people realize MIB, formerly known as the Medical Information Bureau, has a file on them. Like a credit-reporting agency, MIB monitors virtually every aspect of a person's health care. When someone applies for individual health-care coverage, the application is routinely run through MIB's huge database of health and medical information. Insurers effectively use the MIB data for health-insurance applicants like they use motor-vehicle administration records for auto-insurance applicants, adjusting premiums or even denying coverage based wholly or in part on what is in a person's MIB file.