Re: Privacy Rights

[Dynalysis of Princeton <mail@dynalysis.com>]

An MIB report is not initiated because you lied.  It is initiated because the
insurance industry believes you have an illness and the repository for the
coded report is for the benefit of that industry. What do you think constitutes
lying?  I guess refusing to release information is lying?

A company can ask for anything and if you refuse, your a lier?  Insurance
companies have the right to ask what they want and the consumer has the right
to state that they will provide what they are willing to provide.  The option
of the insurance company is to say no insurance then.  The option of the
consumer is obvious.  But, if the MIB becomes a tool of punishment for the
consumer that requests a service and then states that they will release x, y
and z but not q, something is very much wrong with that standard.

Flyawaynot@aol.com wrote:

> I believe the MIB compares what is stated, by you, on your insurance
> application, then compares it with a medical exam.  If you state on the app
> that you're a nonsmoker, a blood test will show differently.  Voila, an MIB
> report is initiated because you lied.
>
> However, to my knowledge, the MIB does NOT require proof from the insurance
> carrier that one has been given their FCRA rights statement.  Nor does the
> MIB know whether or not, nor do they care, if you are singled out for a
> health exam versus others at your place of employment.
>
> MIB relies on the honesty of insurance companies, and there's the rub.
>
> Kathy