Originally Posted by Martha
Even if information in not on the MIB record, it likely is in your medical provider's file. When you apply for health insurance generally you consent to the review of all your medical files by the insurance company. So, they will have access to those files.
I once had a patient who revealed cocaine use in her medical history; it was medically relevant in her care. A couple years later she applied for life insurance and sent me a release which explicitly included releases for substance use, mental illness, etc. I complied with her request.
She then had the policy denied due to the history of cocaine use. She became irate with me and threatened to sue me. Fortunately, I kept my cool, told her that not only did I not do wrong by releasing this, but in fact I was obliged to release it upon her explicit request.
Long story short, she went away. This whole area has caused me a lot of gray hairs over the years.