Did you know that aside from your financial credit reports there are also reports related to your health?
Milliman IntelliScript, ExamOne and MIB Group are agencies that insurance companies use to determine an applicant’s eligibility and risk when they apply for coverage, the records they obtain contain details about your medical care, health conditions and prescription medications. If these companies have your information you are entitled to a copy.
This company may have information about you if you have authorized the release of your medical records to insurance companies. Your records are released only after your approval, they handle your records in accordance with the HIPAA privacy requirements.
Milliman IntelliScript will not have a copy of your report if you have not applied for insurance in the past seven years or authorized the release of information in connection with a claim.
They release the data to the insurance companies, and the insurance providers use the data when processing your application or when they are evaluating a claim. You are entitled to a free copy of your report. You should get a copy and review it for accuracy, incorrect information in your report can result in your being denied life insurance, supplemental health insurance, or disability insurance and can result in higher premiums.
If you find errors in your report, you have the right to dispute them. You can request your free copy online, by mail, by email or by phone.
https://www.rxhistories.com/for-consumers/#request
ExamOne
ExamOne Script Quest Diagnostics, Inc. is a consumer reporting agency for prescription history and pharmacy records related to an individual’s medical information. The report is used by insurance companies to determine your risk when you apply for coverage.
You are entitled to an annual copy of your report, contact them at their Consumer Report Request phone number 1-844-225-8047.
Request your copy and review it for errors. If errors are found, the Fair Credit Reporting Act (FCRA) requires ExamOne to investigate and correct any errors.
MIB Group
MIB Group is made up of insurance agencies. They gather and share medical and insurance related information.
The information they collect is used by insurance companies to determine the risk of insuring applicants. The Fair Credit Reporting Act requires MIB to provide consumers access to their reports annually.
They may have a report on you if you have applied for individual life or health insurance within the past seven years. To request a copy of your report, call 866-692-6901.
If you are applying for insurance request a copy of your reports with all three agencies before you apply, this allows you to review your report for errors and get them corrected beforehand. Errors on your report can lead to denial of insurance and higher premiums.
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