How do I file a ghost network complaint?
Document each failed call (date, provider, what they said), file with your insurer's directory-error form, escalate to your state insurance commissioner, then CMS at cms.gov/nosurprises for Marketplace or Medicare Advantage.
Step 1 — Document. For each in-network provider you tried, write down the date, provider name, phone number, and what they said ('not accepting plan,' 'no openings for 6 months,' 'phone disconnected'). Screenshots of the directory help.
Step 2 — Insurer directory-error form. Every major insurer has one buried in their member portal — search '<insurer name> directory error' or call the member services number on your card and ask for the directory-accuracy unit.
Step 3 — State insurance commissioner. Search '<your state> insurance commissioner complaint' — every state has an online form. Attach your documentation.
Step 4 — CMS. For Marketplace (ACA) plans, file at cms.gov/nosurprises. For Medicare Advantage, call 1-800-MEDICARE. The No Surprises Act gives both agencies enforcement authority over directory accuracy.
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