Free MIB - Medical Information Bureau Report - What is the MIB?

What is the MIB and what can I do about it?


If you've applied for health insurance you've probably heard about the MIB or Medical Information Bureau. When you apply, they check your health history against MIB records fairly automatically. If you've had trouble getting accepted for health or life insurance or disability insurance, you may get a notice that you've been declined or need an APS (attending physician statement) because of information on the MIB.

If this sounds like a credit report, it sounds like that to me too! The same good advice to check your credit report for errors, would apply to the MIB. Here's how you can check your MIB information for free.


Here's the About Me From the Official MIB Website:

MIB Group, Inc. ("MIB") is an association of over 500 U.S. and Canadian life insurance companies providing information and database management services to the financial services industry. Organized in 1902, MIB's core fraud protection services protect insurers, policyholders and applicants from attempts to conceal or omit information material to the sound and equitable underwriting of life, health, disability, and long term care insurance. Fair pricing of insurance products is largely dependent on accurate "risk assessment", "risk classification", and "risk selection". A determination of these factors begins with the assurance of accurate health information supplied on the insurance application concerning the proposed insured.

InsureMe Shut Down Insurance Clients Blog

InsureMe Insurance Quoting Service is still alive and well. They are one of my favorite companies to work with because they provide a great free service to consumers. They provide free online quotes for car insurance, homeowners insurance, health insurance, life insurance, and long term care insurance! They are also approved for the Better Business Bureau Online reliability program, and they have a well stated privacy policy. When you are looking for online insurance quotes, these are great things to look for.


They also maintain an active community with blogs and comments for insurance agents and affiliates of their programs. They give great support. I really like this company. However they decided that nobody wants to read about insurance. Of course, I don't agree. I can see that my posts are getting read, searched for, and sometimes responded to. Oh well, Bye Bye InsureMe Insurance Blog and Hello Research Insurance!


InsureMe is still very active in providing free quotes for consumers and contacts for insurance agents!

Insurance Scam Fraud Protection

Auto Insurance Scam Fraud Protection and Warning

This is from an about.com article. Here is the Link to The About.COM article on insurance scam.


Basically the article mentions the very good point that insurance fraud began when insurance began. We've all heard about different stories...unlicensed health insurers that were so good they even deceived licensed agents into marketing products, fires that get set on unsold good, and now this one....criminals staging car accidents with you so it appears to be your fault ... and it was actually set up .. so they can collect from your car insurance company!

Read the article so you know how to protect yourself.

FOR ONLINE AUTO INSURANCE QUOTES USE A COMPANY THAT PARTICIPATES IN THE BBB ONLINE PROGRAM, AND THAT HAS A STATED PRIVACY POLICY. CLICK HERE FOR INSUREME.

Insurance Speak - Helpful Terms Glossary of Insurance Terms

HomeTown Quotes Posts a helpful glossary of insurance terms. So if you're not sure what a Binder or an Equity Index is, go check out this site. Sometimes just knowing the meaning of unfamiliar terms can help you make the best insurance decision!

INSURANCE TERM GLOSSARY HERE


Home Town Quotes

Is Small Business Group Health Too Expensive?

If you're running a small business with 2 to 10 employees, you may have a very workable solution to expensive group health insurance premiums. Look, group insurance, especially with small groups, can be a very risky and expensive deal. They have to take the whole group without exclusions, so if one employee has a problem like diabetes or a heart attack, it's like everybody has a problem!

The solution may be simple. Use individually underwritten health insurance for your healthy employees. You'll be amazed at how much cheaper the premiums are! Then take the one or two employees with health problems and use your state's high risk pool to insure them.

The employee's will have to pay these premiums, but you can take your own savings and give your employees a raise to cover all, or a portion, of their expense. This is the new trend in small group health insurance coverage, it would be in your best interest to consider it.

FIND A LOCAL HEALTH INSURANCE OR RUN ONLINE HEALTH INSURANCE QUOTES! One quick form can save you hundreds, or even thousands, of dollars!

Is Small Business Group Health Too Expensive?

If you're running a small business with 2 to 10 employees, you may have a very workable solution to expensive group health insurance premiums. Look, group insurance, especially with small groups, can be a very risky and expensive deal. They have to take the whole group without exclusions, so if one employee has a problem like diabetes or a heart attack, it's like everybody has a problem!

The solution may be simple. Use individually underwritten health insurance for your healthy employees. You'll be amazed at how much cheaper the premiums are! Then take the one or two employees with health problems and use your state's high risk pool to insure them.

The employee's will have to pay these premiums, but you can take your own savings and give your employees a raise to cover all, or a portion, of their expense. This is the new trend in small group health insurance coverage, it would be in your best interest to consider it.

FIND A LOCAL HEALTH INSURANCE OR RUN ONLINE HEALTH INSURANCE QUOTES! One quick form can save you hundreds, or even thousands, of dollars!

New Health Insurance Solution

hey - This is something I've known for awhile. You can often get cheaper health insurance on an individual plan than on a group plan. Why? Well, the insurance company will individually underwrite the health insurance on the plans you own yourselves, while group plans are forced to take everybody!

I found a book on this on Amazon. This is the New Health Insurance Solution!

Free Insurance Quotes Save Consumers Money These Days

Why Compare Insurance?

I've written about the power of comparing insurance before, but with the holiday budget strain coming up, I think it's time to remind everybody about a couple of important things to consider about buying car insurance or health insurance or whatever.....

24/7 Quote US - Free Online Insurance Quotes and Tips

Of course, auto insurance rates drivers on their record, but insurance companies also look at how cars are used, their owner's work and home zip codes, and even the owner's credit scores! Different companies rate differently.

The same goes for health and life insurance. Of course, you'd expect to have your health considered, but did you know that your credit may also be considered?

Anyway, the point is, different companies use different guidelines, and it would serve you well to check into competitive quotes. You can fill out a five minute form and then get quotes from a minimum of three insurance companies. The form makes these accurate. I.e. If it's car insurance, then the company will need to know where you live and what kind of car you drive, etc. If it's health insurance the company will need to know if you smoke, if you've been hospitalized, etc.

24/7 Quote US - Free Online Insurance Quotes and Tips



Good Luck!