the medical information bureau....zh c/s
Actually they NEVER trusted you.
Pre ACA anyone who applied for medical, disability or life insurance was checked against the MIB, the so-called Medical Information Bureau, to see if you have not disclosed (or under-disclosed) your medical history. This is the medical equivalent of your credit file. The MIB is still consulted and updated.
You might be very surprised to find out what's in your file, as well as how many errors it contains.