Health insurers check your medical reports to determine whether you may be a risk to them when it comes to issuing insurance. The Medical Information Bureau (MIB) rates you based on your test results and ailments and makes this information available to potential insurers. It pays to check your MIB number because your medical report could have inaccuracies, which will cost you coverage.
While not everyone has an MIB report on file, you probably do if you’ve applied for individual life, health or disability coverage in the past seven years. You’re entitled to a free annual copy of your report. Get yours by calling (866) 692-6901 or visiting www.mib.com.