Get Gephardt | Stories - Mistakes in Massive Medical Database Could Cause Insurance Carriers to Reject You
Wednesday, April 23 2014, 09:23 AM MDT
Mistakes in Massive Medical Database Could Cause Insurance Carriers to Reject You
(KUTV) Brittany Grower, a 22-year-old single mother of two, wants to guarantee her kids are taken care of, no matter what – but Brittany has been denied for insurance based on a false accusation that she is a drug addict.

Brittany applied for life insurance with Allstate – and the insurance company asked for a drug test. A few weeks later, Brittany’s application for insurance was denied on the basis that her test returned positive for cocaine.

However, Brittany says she has never done cocaine – or any drugs for that matter.

Brittany says she knows how the substance got into her system: just hours before taking the drug test for Allstate, Brittany underwent surgery at McKay-Dee Hospital to fix a deviated septum in her nose. According to the operative report, Brittany’s nose was decongested for the surgery using a cocaine solution.

Brittany says she foresaw that there could be a problem and warned the Allstate representative who administrated the test of the potential issue.  The representative assured her she’d be fine.

In lieu of the operative report, Brittany asked if she could retest – but the representative informed her that she could not retest and that the results were final.

“That’s even more frustrating to not be able to show them, look, I’m not a user,” Brittany said.

Brittany then decided to try and apply through AFLAC – but was again denied. AFLAC somehow knew about the positive drug test on file at Allstate.

Unable to clear her name, Brittany decided to Get Gephardt.

We began investigation, first by trying to figure out how AFLAC knew the results of Brittany’s drug test with Allstate.

It turns out a massive database in Massachusetts called “M.I.B” stores medical information for people all over the country. It is used by insurance companies to determine how risky it might be to offer life or health insurance to someone – much the same way a lender will look at a person’s credit report before giving them a loan.

The good news, especially for Brittany, is that a person has the right to dispute information on their M.I.B medical report.

A spokesperson for M.I.B  told us they have a “well-established reinvestigation procedure” through which Brittany can try and clear her name. He also said the “most expedient” way for her to fix her M.I.B report would be to talk to Allstate.

We called Allstate through the Corporate Communications Department in Arizona. A spokesperson responded, “Based on this additional information, our underwriter reopened the case and approved Ms. Gower’s life insurance application,” – clearing Brittany’s name from the database that claimed she used cocaine.

Records in the M.I.B are maintained for only 7 years. If you haven’t submitted an insurance application to a member company during the last 7 years, the M.I.B will not have a file on you. You are entitled to one free report annually – do not fall for online scams that want to charge for this information.

U.S. Residents can call M.I.B. directly at 1-866-692-6901 for a free copy of your file. Errors on file can be disputed. If you think information in your file is incorrect, written disputes may be sent to the M.I.B. The organization will investigate and amend your report if your dispute is substantiated. Otherwise, you can submit a “statement of dispute” to be included in the file.

Insurance companies can only access your record with your authorization. When you apply for insurance through a member company, you will be given a pre-notice brochure explaining M.I.B. and you’ll be asked to sign an authorization allowing the insurer to pull your M.I.B record. Without authorization, the group will not release your record.

If you have a problem you can’t solve, maybe we can.

Call 801-839-1250 or send an email to

(Copyright 2013 Sinclair Broadcasting Group.) Mistakes in Massive Medical Database Could Cause Insurance Carriers to Reject You

News Photos & Videos - Submit Your Photos Here

More Gephardt Stories

Good question: What's with the disturbing face on the city and county building?
Headstones delayed by Ogden monument maker
Get Gephardt: Movers destroy table, refuse to cover damage
Hidden leak costs homeowner, Insurance company refuses to help
Wallet Watch: Workers taking advantage of health care plans
Lender refuses to drop PMI
Wallet Watch: Big ticket items sitting on store shelves, Twitter ads, Seaworld shares
Major retailer refuses to honor warranty claim
Wallet Watch: Treasury department takes fake bills off streets, gas prices
Good question: Has this been a smaller fire season in Utah?
Wallet Watch: e-Cigarettes
Comcast Scam Investigation
Insurance bills for out-of-network hospitals
Late mail delivery investigation
Good Question: How did running with bulls tradition begin?
FedEx fined for drug deliveries, back to school prices rise and Utah unemployment drops further
Yellow Page scammers targeted by FTC
Airline fees, Google looks at security flaws and Microsoft announces layoffs
Comcast in damage control, automaker recalls continue and Hersheys instates a price hike
Illegible finger prints stall adoption
Citigroup pays for mortgage crisis, president pushes infrastructure projects and a new Airbus
Good Question: Why does a soccer ball bend?
Disabled woman loses benefits because of prepaid funeral plans
FTC Complaint: Amazon got rich off unauthorized in-app purchases
Woman's vehicle seized by police after bogus police report
McNeil trial witness now allegedly a deceitful contractor
RSL fans towed despite paying to park
Costly colonoscopy following a man's belly ache
Good news for job hunters and celebration cost on the rise
Arizona baseball games blacked out in Utah
Gas prices hit six year high, no guns allowed in Target and Google buys Songza
FTC seeks hundreds of millions from T-Mobile for cramming
FTC: T-Mobile made millions with bogus charges
Women's football league leaves supporters hungry, for cookies
Good Question: "Can you be arrested for not paying a debt?"
Cable company stands up customer thrice
L'Oreal's deceptive advertising, GM recalls additional vehicles and new airline threats
Kleargear ordered to pay $300k to Utah couple
Supreme Court rules against internet television streaming company
What to do when winning doesn't pay
Isolation at work, home prices jump and AT&T/DirecTV merger
Bundling delay costs consumer
Airbag recalls, Americans struggle to save and pushing for paid maternity leave
Good Question: "Why do grads wear square-caps and gowns?"
Smartphone kill switch lowers theft, Google encourages girls to code and Harley Davidson goes electric
Auto-warranty company slow to give refunds in Utah, nationwide
GM recall lawsuit, fed talks interest rates and Amazon reveilles new phone
Luggage lost for more than a year
Home construction slows, Dr. Oz testifies and tech companies target home security
Good Question "What if you leave your mail in the box?"
More GM recalls, PF Chang credit issues and Priceline merges with OpenTable
Soccer hooliganing: Scams target fans
Possible gas price spike, beer makers slow the flow and Hobby Lobby's deceptive advertising practices
Glitch shows Medicaid recipient underpaid
Frequent flier changes, Amazon's aggressive negotiations and Subway strikes deal with Keurig
Lender error leaves man with huge student loans
Utah's small business grade, smart phone wallets and Microsoft boasts games at E3
Fine Print Allows Movers Unlimited Time to Deliver
Milk Prices Rise, Amazon's New Payment Method and Job Growth Numbers
Good Question: Is Throwing Out the First Pitch Hard?
Advertise with us!


Pay It Forward
Fresh Living
Family Matters
Road Trippin
Hooked On Utah

Advertise with us!