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Even though I have been at this for a while I would like to sharpen or confirm my understanding of what carriers actually are able to "look-up" on a client as part of underwriting.
Obviously, they see whatever comes up on an APS and MVR and MIB.
I am a little hazy on what the MIB has. Prescriptions show up etc. But what else. Do they have visibility to all claims against health insurance polices and the nature of the treatment. How does that work. A guy goes in to see a doc and has had a cough or had a chest pain but never got a script of any further treatment. Does that show or are they dependent on a script to see that?
What else do they see?
Thanks for any comments
Winter
Obviously, they see whatever comes up on an APS and MVR and MIB.
I am a little hazy on what the MIB has. Prescriptions show up etc. But what else. Do they have visibility to all claims against health insurance polices and the nature of the treatment. How does that work. A guy goes in to see a doc and has had a cough or had a chest pain but never got a script of any further treatment. Does that show or are they dependent on a script to see that?
What else do they see?
Thanks for any comments
Winter