This country's greed surpasses disgusting. People who do as agreed between themselves and the companies they are doing business with are the people who get screwed. If you want to make it in America, you have to lie, cheat, steal and sell out everyone you know. This should not be the requisite in order to be successful in America. The story we were told as children is; work hard, treat people well and your life will go well. I haven't seen this example in over 30 years. As the example of WellPoint, obviously you can do whatever you want to your customers and this country will let you do it. If it weren't for the Health Reform Bill everyone is complaining about, more than 30 million of us would NEVER have the opportunity to take care of our current diseases. Trust me, many of us have them. So the next time you are griping about the new bill, just remember; you could be next.

Excellent commentary! Unfortunately, the Federal Trade Commission has been trying to raise awareness among consumers about this issue since 1995. (http://www.ftc.gov/opa/1995/06/mib.shtm) This computer program is not exclusive to WellPoint, but is a software program offered by the Medical Information Bureau Inc. (MIB). AHIP calls the MIB a "a cooperative data exchange formed by the North American insurance industry more than 100 years ago. Today, the MIB operates the most extensive database of medical information on individuals who have previously applied for health, life, disability income, critical illness and long-term care insurance." Just as financial companies rely on "credit reports" to establish credit for customers, insurance companies utilize "medical report" files to assess the health, insurability, and price ratings for individual health insurance applicants. The Federal laws FCRA and FACTA, which govern the credit bureaus Experian, Equifax, and TransUnion, also regulate the nationwide specialty insurance reporting agencies the Medical Information Bureau Inc (MIB), Ingenix Inc., and Milliman Inc. In fact, failing to check your medical report can be costly; errors or omissions within individual medical report files can cause applicants to be rejected outright, pay higher policy premiums, or suffer outright rescission of coverage! https://www.annualmedicalreport.com/washington-post-says-prescription-data-used-to-assess-consumers/ All health insurance applicants and policyholders should request an annual copy of their "medical report" files from the three major specialty nationwide consumer reporting agencies to ensure they aren't overpaying for insurance or in danger of policy rejection or rescission for reported pre-existing conditions.

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