Ghost Networks

Are you having trouble finding in-network doctors?

We are investigating health insurance companies which list doctors who supposedly accept a company’s insurance – but do not. Many insurance companies list doctors in their directories as participating “in-network” but who don’t really accept the plan. And this includes some of the largest insurance companies: UnitedHealth, Lifetime Healthcare, Cigna, Health Now NY, Emblem, Elevance, Centene, Atena

These “ghost networks” not only waste people’s time but can result in people having to go out-of-network and cost people thousands of dollars. And they can be dangerous, causing people to delay or abandon care.

If you’ve experienced such problems, we’d love to hear from you.


Congress Urged To Tackle 'Ghost Networks' Amid Mental Health Crisis (The Hill, May 4, 2023):

Medical experts urged Congress to hold insurance companies accountable for inaccurate medical directories that can hamper access for patients seeking mental health treatments. The problem, referred to as a “ghost network,” occurs when health insurance providers ostensibly provide coverage, but direct customers to nonexistent or unavailable doctors and providers.  

Wyden Calls for Action to Get Rid of Ghost Networks, Releases Secret Shopper Study (United States Senate Committee On Finance, May 3, 2023):

New Findings from Finance Chairman Show 18 Percent Success Rate Making an Appointment with a Mental Health Care Provider, Indicating Widespread Prevalence of Inaccurate Provider Directories Known as Ghost Networks



A class action lawsuit is a way for a group of people who have suffered similar harms to bring a single collective case and share in any potential award. You become part of a group, with far more potential power than filing a lawsuit on your own—and at no cost to you.

Filing a class action lawsuit allows us to consolidate evidence, witnesses, and litigation expenses to make the lawsuit more efficient and effective. The collective “clout” of the class is typically far more effective than an action by any individual plaintiff.

No! The attorneys work on contingency, and only get paid if the case is successful. Any fees they may be awarded are determined by the court and paid by the defendant.

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