NOT true about MIB usage?

• A. It can prompt a refusal based solely on MIB information
• B. It receives adverse medical information from insurance companies
• C. It maintains confidential medical impairment information
• D. It allows companies to compare information across insurers

Answer: (A)

The main idea is how the MIB functions in underwriting. The Medical Information Bureau acts as a confidential, shared resource among member insurers to help identify undisclosed medical information and keep underwriting accurate. A statement claiming that a refusal can be prompted solely by MIB information isn’t correct because decisions aren’t made on MIB data alone. Underwriters use MIB as a tool to flag potential issues and then review it alongside other information, often requesting additional records or tests and always requiring the applicant’s consent before accessing MIB. The other statements are accurate: MIB does receive adverse medical information from member insurers; it keeps medical impairment information confidential; and it enables companies to compare information across insurers to spot inconsistencies and avoid misrepresentation.