To whom may an applicant's medical information received from the Medical Information Bureau (MIB) be furnished?

The Medical Information Bureau (MIB) is an organization that compiles and maintains medical information about individuals for use by insurance companies in assessing risk and making underwriting decisions. When an applicant applies for insurance, their medical history may be obtained from the MIB to evaluate their health status.

Medical information from the MIB can be shared with the applicant’s physician for various reasons, such as ensuring that the physician has a complete understanding of the patient’s medical history, which is crucial for providing appropriate care. This sharing is done under strict privacy regulations to ensure that personal medical information is handled confidentially and securely.

In contrast, while insurance agents and health insurers can have access to MIB information during the underwriting process, the focus of the question is on who specifically can receive the applicant's medical information directly from the MIB. Medical examiners typically do not receive this information from the MIB as part of their standard practice. Thus, the physician is the appropriate recipient in this context for purposes related to patient care and coordination.