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Milliman IntelliScript · Prescription history reports

Denied insurance over a wrong prescription history report?

Milliman IntelliScript, part of Milliman, Inc., sells prescription drug history reports and risk scores to life and health insurers. If your IntelliScript report shows prescriptions that aren't yours and Milliman won't fix it, the Fair Credit Reporting Act lets you sue.

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Who Milliman IntelliScript is and who relies on its reports

Milliman IntelliScript is part of Milliman, Inc. The CFPB says it collects prescription drug purchase history, uses it to estimate the relative mortality risk of life insurance applicants, and provides risk scores for underwriting. Its consumer mailing address is in Brookfield, Wisconsin. The FTC’s 2008 order described Milliman, Inc. as a Washington corporation based in Seattle, and described IntelliScript as a service that provides individual medical profiles, including prescription drug purchase histories, to health and life insurance companies.

Milliman says it gathers your records only when you have signed an authorization as part of an application for individual insurance, and that its sources include pharmacies, health insurance companies and pharmacy benefit managers. It also says it is not an insurance company and does not decide whether to grant or deny coverage. The insurer makes that call, but it may make it based on what Milliman reports.

That matters because a prescription list can be read as a diagnosis. A medication filled by someone else, or listed under the wrong person, can make you look like a higher risk than you are. The result can be a denial, a higher premium, or an offer at a worse rating class.

The FTC’s 2008 order

In September 2007 the FTC announced settlements with Milliman and another provider of medical profiles used by insurers, alleging that the companies, as consumer reporting agencies, had not given insurers the FCRA’s Notice to Users. In its February 6, 2008 Decision and Order (Docket No. C-4213), the FTC required Milliman to provide the Notice to Users and to maintain reasonable procedures to limit reports to permissible purposes, to assure maximum possible accuracy, and to reasonably reinvestigate disputes. Milliman agreed to the order for settlement purposes without admitting a violation. By its terms, the order runs until at least February 6, 2028.

Errors that show up on IntelliScript reports

  • Wrong-person prescriptions. Fills by someone with a similar name or date of birth.
  • Family mix-ups. A spouse’s or child’s medications under your name.
  • Wrong medical data. Pharmacy or medical claims from another person’s health plan record.
  • Fraud. Prescriptions filled through identity theft.
  • Missing context. A drug that treats several conditions, read as the most serious one.
  • Shallow dispute handling. A dispute closed without checking with the source.

How to dispute Milliman IntelliScript

  1. Get your report. Use the Request My Report form, call 877-211-4816, email [email protected], or write to Milliman IntelliScript, P.O. Box 2223, Brookfield, WI 53008. Milliman asks for your name, mailing address, date of birth and the last four digits of your Social Security number, and the online form also asks which insurer processed your application.
  2. Dispute in writing. Milliman’s FAQ says to contact it through those same channels and submit a written statement identifying each disputed item.
  3. Explain and support each item. Say which prescriptions are not yours and why. Milliman says it may ask you to get your records from the provider or facility, so request your pharmacy history and doctor’s records early.
  4. Watch for the results. Milliman says it reinvestigates under FCRA guidelines, and if the report is revised, both you and the insurer that requested it get an updated copy.
  5. Ask the insurer to reconsider with the corrected report, and keep copies of everything.

How to contact Milliman IntelliScript

Your rights under the FCRA

  • Accuracy (15 U.S.C. § 1681e(b)). Milliman must follow reasonable procedures to assure maximum possible accuracy.
  • Reinvestigation (§ 1681i). After a dispute, it must reasonably reinvestigate, free of charge, generally within 30 days, and correct or delete inaccurate, incomplete or unverifiable information.
  • File disclosure (§ 1681g). You may see all information in your file, its sources, and who received it.
  • Free copies (§ 1681j). You are entitled to a free copy if you ask within 60 days after an adverse action notice. The CFPB says Milliman provides a free copy if it has one and you request it.
  • Adverse action notice (§ 1681m). An insurer that denies you or charges more based on an IntelliScript report must tell you, name Milliman, and explain your rights.

Can you sue Milliman IntelliScript?

Yes, when the facts support it. You may have a claim if Milliman reported prescription or medical information that was not yours without reasonable procedures to prevent it (§ 1681e(b)), or if it did not reasonably reinvestigate your dispute and correct the report (§ 1681i).

For a negligent violation, you may recover actual damages, such as lost or more expensive coverage and emotional distress, plus attorney’s fees and costs (15 U.S.C. § 1681o). For a willful violation, you may recover actual damages or statutory damages of $100 to $1,000, punitive damages, and fees and costs (§ 1681n). A lawsuit generally must be filed within two years after you discover the violation and no later than five years after it occurred (§ 1681p).

Get a free case review

If a Milliman IntelliScript report listed prescriptions that are not yours and Milliman would not fix it, act promptly. FCRA Attorneys represents consumers in federal court on contingency, so there is no fee unless we win. Contact us for a free case review, or see our FCRA practice and the other companies we cover.

Questions about suing Milliman IntelliScript

Can I sue Milliman IntelliScript?

Yes, if the facts support a claim. Milliman says it offers consumer reports regulated by the FCRA, and the FTC has alleged that IntelliScript medical profiles are consumer reports. Milliman must use reasonable procedures to keep them accurate and must reasonably reinvestigate your disputes.

What is in a Milliman IntelliScript report?

According to the CFPB, Milliman IntelliScript collects prescription drug purchase history and uses it to estimate the relative mortality risk of life insurance applicants. Milliman says it gathers information from pharmacies, health insurance companies and pharmacy benefit managers, and only with your authorization.

How long does Milliman keep my report?

Milliman says it keeps consumer reports for 24 months from the date the insurance company requested them, and will provide all available reports from that period when you ask.

Has the government taken action against Milliman over IntelliScript?

Yes. In a 2008 decision and order, the FTC required Milliman to give users of IntelliScript reports the FCRA Notice to Users and to maintain FCRA procedures for permissible purpose, accuracy and reinvestigation of disputes. Milliman agreed to the order without admitting that it broke the law.

What does it cost to bring a case?

There is no fee unless we win. FCRA Attorneys handles these cases on contingency, and the FCRA lets a successful consumer recover reasonable attorney's fees and costs from the company.

Related reading

Sources

Updated November 2026. This page is general information, not legal advice.

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