Whenever you file a medical insurance claim, whether it is for counseling or a broken leg, that information goes into a national clearinghouse called the Medical Information Bureau (www.mib.com
). The information MIB has in your file is used to deny you life insurance and disability insurance – and until the Affordable Care Act was passed, medical insurance. Because my role is to advocate for and serve my clients, I do not participate in insurance claim filing. If you do choose to file with your insurance company, I will give you a receipt. I do recommend you go to the MIB link and ask for a copy of your file – I did and found there was an error in it that would have affected the chances of me getting insurance. I wrote a letter to the editor, published in Smart Money magazine about this issue.