Besthealthcarerates.Com Advises Consumers to Request MIB File Before Private Medical Insurance Reforms Take Effect

Arroyo Grande, CA, July 9, 2009

BestHealthCareRates.com urges consumers to obtain copies of their MIB file in wake of the changes to the medical insurance market that sweeping government healthcare reform could pose.

With so much uncertainty swirling around the prospect of government-run healthcare, BestHealthCareRates.com believes consumers should exercise control over their medical insurance options to the greatest extent possible.

One way to do that is to ensure that inaccurate information is not preventing them from obtaining the private medical insurance for which they rightly qualify. A consumer can only know if the information being used by insurance companies is accurate if they request their file from the MIB Group.

The MIB Group is a membership-owned corporation that maintains information files on many Americans who have applied for individual private medical insurance or a life insurance policy. Information contained in that file is used by health insurance companies in deciding whether to extend coverage to an individual.

The type of information which MIB collects and distributes includes medical conditions, results of tests, unhealthy lifestyle choices, potentially hazardous occupations or hobbies and driving histories, such as traffic tickets.

"Choice" is the rallying cry of both sides of the debate over healthcare reform. Citizens and politicians alike have voiced concerns over whether individuals will still be able to retain their current private medical insurance if new government-run healthcare options were to emerge. BestHealthCareRates.com suggests that consumers retain their right to choice by first protecting their choice. If false negative information is contained in your MIB file, then your choice has already been limited.

Approximately 470 insurance companies belong to the MIB, which means any information the MIB has about you and your health will affect whether or not any of those 470 companies will insure you. The good news is that the MIB is subject to the US Fair Credit Reporting Act and the Fair and Accurate Credit Transactions Act, which means individuals have a right to a copy of their MIB file. 

Cost is another hot button issue in the healthcare reform debate. The cost of medical insurance is also an issue in which BestHealthCareRates.com has a deeply vested interest. The company is committed to connecting consumers with the most affordable healthcare options available to them. In furtherance of this commitment, BestHealthCareRates.com wants consumers to know that what's in their MIB file could be costing them.

A person's overall health affects the amount of money they pay for their medical insurance. If an MIB file paints an inaccurate picture of your health, says BestHealthCareRates.com, you could be paying more for your medical insurance than you would otherwise have to. That is yet another reason why BestHealthCareRates.com encourages consumers to call the MIB's toll-free number (866-692-6901) to request a copy of their file, if one exists.

About BestHealthcareRates.com

For additional information, Contact: BestHealthcareRates.com, at 877-812-5111 or online at http://www.BestHealthcareRates.com .

BestHealthCareRates.com has been empowering consumers since 2001 by enabling them to find the best benefits for their insurance budget. As one of the largest medical insurance databases on the web, BestHealthCareRates.com has helped thousands of individuals, families and businesses find the guaranteed lowest prices on health insurance plans.