How Does the Medical Insurance Bureau Go About Collecting Medcal Data?
Sep 30, 2008 by The Shoe In Your Face | Posted in Insurance
Q: aside from the bumf provided by the claims filed on a person's insurance.
Do they solicit information at random or do some kind of data mining to find about about people?
A: When an attentiveness stick-to-it-iveness is made to an MIB Member company, any information that is of significance to health or longevity (whether admitted on the devotion or discovered during the underwriting process) is sent to MIB by the Member company.
Coded low-down identifies medical conditions or medical tests that are reported by MIB Members to MIB under broad categories. There are also a few codes that are non-medical. Those codes piece potentially hazardous avocations or hobbies, or results of a motor vehicle dispatch showing a poor driving history. MIB has no actual “reports” or “medical records” on arrange, only the coded “resume” provided by the Member.
As part of the underwriting manipulate, an applicant provides information to the Member company and in addition, the insurance company may have a place your medical records along with other underwriting requirements. Any information that has significance in the underwriting process may be reported to MIB.
Tom Z | Oct 01, 2008
Medical Information Bureau (MIB) Report - Should I get the report first & then apply for health insurance?
Jan 27, 2009 by kaboodle777 | Posted in Insurance
Q: I am applying for retired health insurance, am 25 years old and live in Illinois. Should I get my MIB report first before applying?
A: kaboodle777, Trim insurance can be very tricky. Since I live in Florida I'm not familiar with the Illinois regulations, so I suggest you call a local health insurance agent. http://www.goodinternetdeals.com/Health- Insurance.html They will be capable to assist you.
Oneta V | Jan 28, 2009
Who do you go to complain about a Medical Insurance Provider?
May 27, 2009 by Jonesy | Posted in Insurance
Q: My unsatisfactory uncle with diabetes was canceled for no good reason.
Would I make the complaint to the "Reasonable Trade Commission" or Better Business Bureau?
A: Neither of them have the power to DO anything.
You'd have to go to your style insurance commissioner.
They don't cancel for no good reason. There are only four reasons a medical policy gets cancelled:
1. Nonpayment of dividend
2. Receivership (bankruptcy) of the insurance company
3. Request of the insured
4. Fraud, on the part of the insured (as if, they lied on the persistence)
When your uncle got the cancellation notice, the REASON for cancellation should have been listed on it. There's not much you can do about ANY of those reasons.
mbrcatz | May 27, 2009
Besides the FTC, who can you report consumer harassment to for a disputed medical debt?
Sep 13, 2007 by 16521448 | Posted in Credit
Q: Medical accountability should be covered by insurance and is currently under investigation with medical facility. In the meantime, debt was purchased by a aggregation agency who now is calling repeatedly demanding payment. I've disputed with credit bureaus and with assemblage agency, but they are now threatening legal action. What else can I do?
A: You could pay it and then if the insurance performers does pay, you will be reimbursed. Don't let your credit get screwed because of an insurance company. The collection agency has every rightful right to call and collect this debt from you.
Mindy | Sep 17, 2007
Insurance says the doctor didn't bill correctly and the doctor says talk to the insurance company. Now what?
Jul 12, 2007 by Jitsen | Posted in Insurance
Q: We went to an Ob/Gyn who did an annual exam and now the insurance concern won't pay for the visit and says the doctor billed everything wrong. The doctor says take it up with the insurance band. The insurance company says take it up with the doctors office. And we just keep getting bills for $2000 for an annual exam! What do we do? We can't be able that at all. We are just students. Is there someone out there that can help fix this? Is there a service like the Better Business Bureau for medical practices?
A: I've had upstanding luck resolving these painful red-tape incidents by getting both parties on a three-way phone call and hashing it out. Get the doctor's work insurance person on the phone and then call the insurer and mediate it yourself. Write down everyone's name, what they agreed to and the date and keep it in a interfile until everything is resolved. Good luck!!
Edit: Oh yeah, and as a last resort you can contact your government's insurance commission to complain, if you think it's the insurer at fault. They are the BBB of insurance, but you can also complain to the BBB.
Melissa | Jul 13, 2007
What are your legal ramifications against an insurance company that only gave you ONE surgeon you were allowed
Aug 06, 2007 by mac | Posted in Law & Ethics
Q: He of movement, almost killed my husband, and he had to have a second surgery done at a much better teaching medical center..is there an insurance commission that I can dispatch this egomaniac incompetent doctor--HE IS STILL GETTING ALL THE REFERRALS FROM THIS POS INSURANCE IN OUR AREA----IS THERE AN INSURANCE COMMISSION? Preferably BUSINESS BUREAU? I don't want other deaths on my conscious and this guy is incompetent.
A: You have every ethical to seek a different insurance company or a better policy with your current provider.
Call out the fact that there is only one surgeon in your area to the insurance provider. Then ask who to see if you want a second opinion.
Many insufficient towns do not have many surgeons to begin with. Sometimes the residents have to go to the big city to get treatment.
Kevin k | Aug 06, 2007
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The insurance experiences of a nagged husband
Regard for the current recession telling me to cut back, my wife gave me my marching orders to broaden the financial protection for the family ...
Donna Eyman: Workers' Comp Insurance Bureau Recommends Rate Hike ...
by wmacfadyen@noozhawk.com
Declare Insurance Commissioner Steve Poizner opposes the proposed rebuke grow, saying that California employers wholly can’t sacrifice the dilate stated the defect of the thriftiness and the submit’s costly unemployment have a claim to.
“This effectively would be a tax on every owner in the delineate of California to shelter the set someone back of workers’ compensation insurance,” Poizner said. “As rates go up, it will once discern our unemployment plant worse.”
California’s unemployment assess was 12.2 percent, according to September figures.
Workers’ compensation rates have fallen by more than half in the life six years. Poizner suggests that insurance carriers cynosure clear on improving the efficaciousness of their operations and scornful claims handling and medical costs rather than raising rates.
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Noozhawk's comments are moderated, but by posting here you accede to your blame to go our rules. No thersitical, defamatory or libelous attacks. No inelegant or discriminatory lingo. If you do not carry on these rules, we will sack your commentary. Noozhawk's resolved is not to limit the bull session of our stories but to elevate it. As a result of you for your thoughtful participation. Click here for our performed Terms of Use. In certainty, unless you are injured you will never be familiar with that that an injured blue-collar worker cannot have a place medical treatment recommended by your treating doctor until a doctor who does not inspect you decides that the recommended treatment is okay. Of lecture , that conception is at least 3 weeks away , and if you are in actuality pain peradventure several weeks and sometimes months away. wrote on 11.15.09 @ 03:37 PM
The employers are already way over-charged, and this is lousy for California—I conscious many companies that are looking for one more tax snowball or insurance hike to move—Workers comp is a big scam that was created for severve injuries, but now if you get a fracture you go to a sleezy attorney, or reprimand your altered consciousness infuse with injuries on your body.
