Monday's issue was about a breach at a lab-ordering system. This one is a different thing: a report built from your electronic medical and prescription records when you apply for insurance. Quest's notices do not link the two, so do not read this as saying Quest data is in it.
What it is
Milliman IntelliScript is a company that, per its own site, gathers a person's information for insurers when a HIPAA authorization is in place. Its site says it offers consumer reports regulated by the Fair Credit Reporting Act. Its FAQ says it gathers from pharmacies, health insurance companies and pharmacy benefit managers, and that some reports come back blank when no electronic medical data is found. The CFPB lists it as a consumer reporting company that collects prescription drug purchase history for life insurance underwriters.
It is not an insurer. Its site says it does not decide whether to grant or deny insurance and does not know the insurer's decision.
Who has a report
Only some people. The site says reports "only exist for people who have recently applied for individual insurance coverage," and only if you authorized release of your records and an insurer requested them. The CFPB says that if you have not applied for individual life or health insurance with a company that uses IntelliScript, there is generally no report to request.
How to ask for your copy
The site gives four routes: its online request form, phone, regular mail, or email at [email protected].
The form asks for your name, a daytime contact number, your mailing address, your date of birth, the last digits of your Social Security number, and the insurance company that handled your application or claim. Give an email address only if you want the report emailed.
The CFPB lists the phone number as (877) 211-4816 and says that if the company has a report on you, it will give you a free copy on request. Requesting your own report does not hurt your credit scores, per the CFPB.
By mail, the CFPB lists Milliman IntelliScript, P.O. Box 2223, Brookfield, WI 53008.
The request page says people 18 and over must request their own reports.
The site says it keeps consumer reports for 24 months from the date the insurer requested them, and that you receive the available reports in that window.
If something is wrong
The site says to get your report first, then send a written statement naming the disputed items. IntelliScript then reinvestigates. If it revises the report, you and the insurer that requested it get an updated copy. The CFPB says that under the FCRA you can dispute with both the reporting company and the source of the information.
The limits
The site does not say how many years of prescription history a report covers, how long a request takes, or how identity is verified.
It does not list a cost on the pages we read. The free copy is the CFPB's statement.
The report shows what was gathered. It does not tell you the insurer's decision, so ask your insurer or agent for that.
The site says the data is only available to the insurer you authorized. We have not tested that.
Up next · Friday
A step-by-step walk-through for freezing your credit at Equifax, Experian and TransUnion.