I Googled and found that the health insurance lobbying group AHIP says the MIB, founded more than a century ago, operates the most extensive database of medical information on individuals who have previously applied for health, life, disability income, critical illness and long-term care insurance in North America! The Washington Post says that these medical reports, which are “like credit reports for your health records,” have been created for more than 200 million Americans. The Federal Trade Commission warns that your medical report files may include both medical and non-medical information about you. For instance, personal data collected by the MIB includes medical conditions, your credit report history, driving records, criminal activity, drug use, sexual orientation, lifestyle activities, international travel, participation in hazardous sports, and personal or family genetic history. Using information from these medical report files, insurance companies can charge you higher premiums or terminate your coverage altogether.

AnnualMedicalReport.com is the secure online service for insurance policyholders and applicants to order a copy of your medical report file from the nationwide specialty consumer reporting agencies MIB Inc, Ingenix Inc., and Milliman Inc. (https://www.AnnualMedicalReport.com/)

The new health care reform laws in the Patient Protection and Affordable Care Act don’t go in effect until 2014! All insurance applicants and policyholders should order an annual copy of their “medical report” files from the three nationwide specialty consumer reporting agencies to ensure they aren’t overpaying for insurance or in danger of policy rejection or rescission for reported pre-existing conditions or errors.