MIB does not access an individual’s medical records. MIB information is consented to by the applicant and is used to protect insurers from errors, omissions and misstatements in an applicant’s health statement. Under the Fair Credit Reporting Act (FCRA), consumers can obtain one free disclosure annually of their MIB record. Unless you have applied for life and health insurance in the past seven years, you will not have an MIB record. For more information visit MIB’s website.
In addition, HIPAA provides employers with the right to review limited portions or summaries of your medical information in some circumstances, like for obtaining bids for insurance plans for the company or in reviewing workers compensation claims. If the health information your employer receives goes beyond a basic summary, then your employer must take steps to protect and limit viewing of this information. HIPAA limits the use of medical information for employment purposes.