Tennessee Insurance Practice Exam

A Medical Information Report (MIB) may disclose which of the following?

1. Criminal background checks

2. Prior use of marijuana

3. Family medical history

4. Employment history

The correct answer is: Prior use of marijuana

The Medical Information Report (MIB) is designed to assist insurance companies in assessing the risk associated with insuring an individual by providing relevant medical information. Among the options provided, the prior use of marijuana falls under the category of personal health information that the MIB may disclose. Insurance providers often evaluate lifestyle habits or substance use when determining eligibility and premiums for health insurance coverage. Understanding the context of medical history in the insurance world is crucial. While criminal background checks, family medical history, and employment history can impact an individual's insurability, they are generally not disclosed in MIB reports in the same way personal health information is. The focus of the MIB is to provide information pertinent to an individual's health status and risks related to insurance underwriting, making prior use of marijuana a relevant piece of data for the insurance process.