My insurance says no providers are available. What do I do?

'No providers available' in an insurer's directory rarely means the network is genuinely empty. Senate Finance Committee audits have found 30–80% of provider listings inaccurate — doctors who don't take the plan, aren't accepting patients, or never answer.

Your immediate move is to get care, not to fight the insurer. Ondoc runs $50 visits with state-licensed providers and faxes refills to your pharmacy same business day. We send an itemized superbill (with CPT/ICD codes) you can submit for possible out-of-network reimbursement.

Then file a ghost-network complaint — first with your insurer's directory-error form, then with your state insurance commissioner, then with CMS at cms.gov/nosurprises for Marketplace or Medicare Advantage plans. The No Surprises Act requires plans to verify directories every 90 days.