When applying for individual health insurance, underwriters will often look at your Medical Information Bureau (MIB) report. The MIB is like a credit report for your medical history. As your credit report records your financial history so your Medical Information Bureau report records your medical history. Underwriters may use information from the MIB report to approve, deny, uprate or add exclusions to an application for health insurance coverage.

You can get a free copy of your Medical Information Bureau report each year by calling 1-866-692-6901. This phone number takes you to an automated system you can use to request your MIB report. This process takes about five minutes. The automated system will ask you a series of questions including:
o Social Security Number
o Last Name
o First Name
o Middle Name
o Date of Birth
o Birth Place (country and state/province)
o Occupation
o Current Address
o Pass Address(es) – if you have not been at your current address for more than 2 years

Make sure you have all the information above before making the call. If you fail to have one piece of information, the call will be terminated and you will have to start over.

We recommend getting the free copy of your Medical Information Bureau report each year. Check your MIB report for accuracy and to make sure you are staying aware of what is being recorded about you by the Medical Information Bureau. The MIB keeps records for up to seven years.