State RegulationsOH specificDifficulty 1/5
The primary function of the Medical Information Bureau (MIB) in insurance underwriting is to:
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
MIB is a member-supported reporting organization that exchanges coded information, such as recorded impairments and hazardous avocations, among member insurers so that an underwriter can spot omissions or inconsistencies in an application and investigate further. Use of such reporting-organization information in Ohio is subject to the information-privacy framework of ORC 3904, and MIB itself neither decides insurability nor issues coverage.
Why the other options are wrong
- A) MIB supplies data only; the underwriting decision belongs to the member insurer, never to the bureau.
- B) MIB holds coded abstracts and alerts, not complete medical records for every insured person.
- D) MIB's information is furnished to member insurers for underwriting purposes; it is not a drug-history vendor for producers.
Memory hook
MIB is a flag, not a verdict.