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 Gephardt@kutv.tv.
(Copyright 2013 Sinclair Broadcasting Group.)