Medical Information
Most people are under the impression that
their medical records are 100% confidential.
This is not true. In fact, your medical records can be reviewed by a number of organizations for various reasons without your consent or your knowledge.
Due to many state laws and doctor-patient privileges many people are under a false sense of security when it comes to the confidentiality of their medical history. The fact is that most laws contain exemptions to privacy, and usually you must waive your right to confidentiality in return for insurance coverage.
Whenever you complete an application for individual life, health or disability insurance, the medical information you provide to the issuer can be sent to the Medical Information Bureau. The Medical Information Bureau includes medical conditions, which are represented using one or more of about 220 codes. There are also five codes for reporting non-medical information that might affect insurability including an adverse driving record, participation in hazardous sports and aviation activity. Currently, there are no comprehensive laws regarding medical records privacy, however you can check the accuracy of the information in your Medical Information Bureau Report.
StreetSmart gives its members an opportunity to receive a free copy of their Medical Information Bureau Record. As a member, you are provided with the necessary forms for requesting this valuable information. The MIB charges for this information however as a member of StreetSmart we will reimburse you for the full fees that might be charged to you in order to obtain these records.
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