Many people searching for a therapist or psychiatrist turn to the list of in-network providers offered by their insurance plan. But often, many of the doctors on the list donât take that insurance plan, arenât accepting new patients, or simply donât answer the phone. Researchers and journalists call this phenomenon a âghost network.â�
So, who you gonna call when you encounter a ghost network? A ghostbuster.
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kAmqFE 36J@?5 E96 =682= DA64:7:4D E96 32D:4 :562 :Di $@>6H96C6[ D@>69@H[ J@FâG6 8@E 2 k6>mC:89Ek^6>m E@ 24EF2= 42C6 7C@> D@>63@5J H9@ E2<6D J@FC :?DFC2?46]k^Am
kAmx?DFC2?46 :D 2 4@?EC24E] %96JâC6 86EE:?8 D@>6E9:?8 â� >@?6J â� 2?5 J@FâC6 DFAA@D65 E@ 86E D@>6E9:?8i p446DD E@ 42C6 7C@> D@>63@5J 7@C :?\?6EH@C< C2E6D]k^Am
kAmkDEC@?8mp3:82:= qFC>2?ik^DEC@?8m kDEC@?8mt:E96C J@F @C D@>6@?6 6=D6 :D A2J:?8 7@C J@F E@ 86E E9:D D6CG:46 7C@> J@FC :?DFC6C] %9:D :D H92E E92E >@?6J :D DFAA@D65 E@ 4@G6C] p?5 :7 J@F 42?âE 86E E92E[ D@>6@?6âD ;FDE 86EE:?8 >@?6J 7@C 7C66]k^DEC@?8mk^Am
kAmkDEC@?8ms2?ik^DEC@?8m $@[ xâ�> ;FDE 8@??2 ?@E6 2 4@FA=6 @7 p3:82:=âD 3C@25 8F:56=:?6D 96C6[ 2?5 H6â�== A@DE 2 =:?< E@ 96C 7F== 4964<=:DE H96C6G6C J@FâC6 =:DE6?:?8 E@ E9:D]k^Am
kAmp?5 H6â�== DFAA=6>6?E :E H:E9 D@>6 @7 H92E p3:82:= E@=5 >6 H96? H6 E2=<65] u@C ?@H[ E96 8:DE :Dik^Am
kAmw6C =:DE DE2CED H:E9 =682= E6C>D =:<6 â�?6EH@C< 256BF24Jâ� E92E J@F 42? 4@>3:?6 :? 2 v@@8=6 D62C49â� 2=@?8 H:E9 E96 ?2>6 @7 J@FC DE2E6â� E@ D66 9@H E96J 2AA=J E@ J@FC D:EF2E:@?]k^Am
kAmp?5 :E 6?5D H:E9 D@>6 86?6C2= AFCA@D6 25G:46 =:<6[ BF@E6 â�%96 <6J :D E@ 36 2 8:2?E 2DD9@=6]â� &?BF@E6]k^Am
kAmkDEC@?8mp3:82:= qFC>2?ik^DEC@?8m kDEC@?8mx 5@?âE >62?[ J@F <?@H[ D4C62>:?8 2E A6@A=6 FD:?8 DH62C H@C5D[ 6E 46E6C2[ 3FE :E 42? 766= =:<6 J@F 2C6 36:?8 2 ;6C< :7 J@F DE2?5 J@FC 8C@F?5 2?5 D2J ?@] qFE :E :D H@CE9 :E] p?5 :7 ?@E9:?8 6=D6[ ;FDE C6>6>36C E92E] {:<6 J@FâC6 ?6G6C 8@??2 E2=< E@ 2?J @7 E96D6 A6@A=6 282:?]!C@323=J]k^DEC@?8mk^Am
kAmkDEC@?8m$@[ H@CD6 4@>6D E@ H@CD6[ :7 J@F 86E E@@ DEC6DD65 @FE[ J@F 42? 92?8 FA 2?5 42== 282:?]k^DEC@?8mk^Am
kAmkDEC@?8ms2?ik^DEC@?8m x? @E96C H@C5D[ E96 <6J :D?âE E@ qt 2? 2DD9@=6] xEâD E@ E@=6C2E6 utt{x}v =:<6 J@FâC6 36:?8 2? 2DD9@=6]k^Am
kAmqFE H92E J@FâC6 5@:?8 :D =6EE:?8 E96 @E96C A6CD@? <?@Hi *@F <?@H J@FC 24EF2= C:89ED]k^Am
kAmx E6== p3:82:=[ :E C6>:?5D >6 @7 9@H y24BF6=:?6 u@Iâ� 2 =2H AC@76DD@C H9@ FD65 E@ 5@ E9:D <:?5 @7 AC@3=6>\D@=G:?8 2D 2? 2EE@C?6J â� AFE :Ei *@F H2?E E96 A6CD@? @? E96 @E96C D:56 E@ 86E E96 766=:?8[ â�%96C6âD 2 8C@H?\FA 96C6 H9@ D66>D E@ 36 86EE:?8 2??@J65]âk^Am
kAmkDEC@?8mp3:82:= qFC>2?ik^DEC@?8m kDEC@?8mtI24E=J] x E9:?< E92EâD E96[ E96 6I24E G:36 J@F H2?E :D <:?5 @7[ F>[ xâ�> 5:D2AA@:?E65[ ?@E 2?8CJ] p?5 x[ E92E :D 9@H x ECJ E@ 8@ :?E@ E96D6 :D D@CE @7 =:<6[ 96C6 :D E96 CF=6[ 96C6 :D H92E J@F 92G6 5@?6] x D:>A=J 5@?âE F?56CDE2?5 H9J J@F 42?âE 4@>A=J H:E9 E96 =2H] &>[ 2=D@ =@G6 E@ J@F[ J@F 2=H2JD H2??2 AFE 2 DA64:7:4 C6BF6DE 2E E96 6?5]k^DEC@?8mk^Am
kAmkDEC@?8m&9[ D2J 6I24E=J H92E J@F H2?E[ F>[ ;FDE D@ :EâD C62==J 4=62C] &9[ 2?5 :562==J[ J@F <?@H[ D2J[ x[ x 6IA64E E@ C6A=J 324< 3J E9:D E:>6[ ;FDE D@ E96C6âD D@>6E9:?8 <66A:?8 E96 4@?G6CD2E:@? >@G:?8] x7 J@F 5@?âE 86E 2 C6DA@?D6[ J@F 42? E96? 7@==@H FA 2?5 D2J[ x E9@F89E[ J@F <?@H[ xâ�5 2D< 7@C 2 C6A=J 3J E96?] (96C6[ H96C6 :D >J C6A=Jnk^DEC@?8mk^Am
kAmkDEC@?8m&>[ 2?5 D@[ J629[ E92EâD <:?5 @7 E96[ E96 86?6C2= DECF4EFC6 J@F H2??2 E2<6 :? E96D6 :?E6C24E:@?D :D =:<6[ x 92G6 D66? E92E] {:<6[ x <?@H E9:D :D H92E xâ�> 6?E:E=65 E@] %9:D :D H92E 92AA6?65] w@H 2C6 H6[ 4@==64E:G6=J H@C<:?8 E@86E96C[ 8@:?8 E@ 7:I E9:Dnk^DEC@?8mk^Am
kAmkDEC@?8ms2?ik^DEC@?8m r@>:?8 FA :? 2 >:?FE6i (92E 92AA6?65 H96? p3:82:= 24EF2==J H6?E :?E@ 32EE=6 7@C 96C 7C:6?5]k^Am
kAmW|:5C@==Xk^Am
kAm%9:D 6A:D@56 @7 p? pC> 2?5 2 {68 :D AC@5F465 :? A2CE?6CD9:A H:E9 zuu w62=E9 }6HD] %92EâD 2 ?@?AC@7:E ?6HDC@@> 4@G6C:?8 962=E9 42C6 :? p>6C:42][ %96:C H@C< H:?D 2== <:?5D @7 ;@FC?2=:D> 2H2C5D 6G6CJ J62C[ 2?5 xâ�> 9@?@C65 E@ H@C< H:E9 E96>]k^Am
kAm$@[ p3:82:=âD 7C:6?5 925 42==65 2 3F?49 @7 E96C2A:DED E92E H6C6 DFAA@D65 E@ 36 4@G6C65 3J E96:C :?DFC2?46â� 7@F?5 3FA<:D] p3:82:= DE6AD :?]k^Am
kAmw6C 7C:6?5 92AA6?D E@ 36 @? |65:42:5[ H9:49 :D <:?5 @7 2 36DE\42D6 D46?2C:@ 7@C E9:D D@CE @7 E9:?8i }@E @?=J :D |65:42:5 C68F=2E65 3J DE2E6D[ E96C6 E6?5 E@ 36 56E2:=65 CF=6D â� 4@?EC24EF2= =2?8F286 6G6? â� 23@FE E9:?8D =:<6 ?6EH@C< 256BF24J]k^Am
kAmp3:82:= =@@<65 FA E96 DA64:7:4 C68D E92E 2AA=:65 :? 96C 7C:6?5âD 42D6[ <6AE E96> @? 92?5[ 2?5 DE2CE65 :? H:E9 E96 A9@?6 42==:?8]k^Am
kAmx7 J@FâG6 366? =:DE6?:?8 7@C 2 H9:=6[ @C :7 J@FâG6 5@?6 D@>6E9:?8 =:<6 E9:D[ D@>6 @7 H92E 92AA6?65 H:== 36 72>:=:2C]k^Am
kAm~?46 E96 7:CDE 76H 42==D 5:5?âE 86E 2?JH96C6[ p3:82:= DE2CE65 H@C<:?8 96C H2J FA]k^Am
kAmkDEC@?8mp3:82:= qFC>2?ik^DEC@?8m kDEC@?8m%96 =2?8F286 E92EâD @7E6? FD65 :D J@F H2??2 2D< E@ 92G6 J@FC 4@>A=2:?E @C J@FC 8C:6G2?46 6D42=2E65] *@F H2?E :E E@ 8@ E@ D@>6@?6 H9@ >2J36 92D 2 =:EE=6 >@C6 A@H6C[ =:EE=6 >@C6 6IA6C:6?46]k^DEC@?8mk^Am
kAmkDEC@?8ms2?ik^DEC@?8m $96 E9:?<D :E E@@< >2J36 7:G6 42==D E@ 86E E@ 2?J3@5J 2E E96 :?DFC2?46 4@>A2?J H9@D6 C6DA@?D6 H6?E 36J@?5[ âwF9n (92E6G6C] $F4<D E@ 36 J@F]âk^Am
kAmkDEC@?8mp3:82:= qFC>2?ik^DEC@?8m kDEC@?8mx 7:?2==J 8@E 2 H@>2? H9@ H2D =:<6[ J629[ E9:D :D 325] (92E J@F H2?E :D H92E H6 42== 2? 25>:?:DEC2E:G6 8C:6G2?46] $96 D2:5[ @<2J[ xâ�> 8@:?8 E@ H:E9 J@F @? E96 A9@?6] x 2> 8@??2 42== EH@ @C E9C66 5@4E@CD 2?5 D66 :7 E96J 92G6 2? 2AA@:?E>6?E] x7 ?@E[ H6 H:== 7:=6 2? 25>:?:DEC2E:G6 8C:6G2?46]k^DEC@?8mk^Am
kAmkDEC@?8ms2?ik^DEC@?8m %96 H@>2? 5:2=65 2 76H 5@4E@CD H9:=6 p3:82:= H2D @? E96 A9@?6[ 8@E ?@H96C6[ 2?5 7:=65 2? 25>:?:DEC2E:G6 8C:6G2?46]k^Am
kAm(9:49[ J@F <?@H[ 8C62E] qFE E92EâD ?@E 2 5@4E@CâD 2AA@:?E>6?E] u:=6 :E F?56C p3:82:=âD 86?6C2= 25G:46 @7i s@ 6G6CJE9:?8] v@ @? C64@C5 6G6CJH96C6] p?5 <66A 8@:?8]k^Am
kAm}6IE[ p3:82:= <6AE 42==:?8[ <6AE 2D<:?8 E@ E2=< H:E9 D@>6@?6 2E E96 :?DFC2?46 4@>A2?J H:E9 >@C6 ;F:46] $@>6@?6 H9@ 4@F=5 24EF2==J 2FE9@C:K6 A2J:?8 7@C 2? 2AA@:?E>6?E H:E9 2? @FE\@7\?6EH@C< 5@4[ D:?46 E96C6 H6C6?âE :?\?6EH@C< 5@4D]k^Am
kAmp?5 27E6C 2?@E96C =:<6 7F== 52J @? E96 A9@?6[ D96 8@E E@ E92E D@>6@?6]k^Am
kAmp3:82:= >256 96C DA64:7:4 C6BF6DEi x H2?E J@F E@ 2FE9@C:K6 A2J>6?E 7@C @FE\@7\?6EH@C< AC@G:56C[ 2D E96 C68F=2E:@?D C6BF:C6] p?5âŚk^Am
kAmkDEC@?8mp3:82:= qFC>2?ik^DEC@?8m kDEC@?8m%96J D2J H6 92G6 ?@ AC@46DD 7@C E9:D] %9:D 5@6D ?@E 6I:DE]k^DEC@?8mk^Am
kAmkDEC@?8ms2?ik^DEC@?8m {:<6[ E9:D E9:?8 E92E E96 =2H D2JD E96J 92G6 E@ 5@â� 86E J@F 2 AC@G:56C 2?5 4FE 2 4964< â� E9:D A6CD@?âD D2J:?8 E96J 92G6 ?@ AC@46DD 7@C :E]k^Am
kAmkDEC@?8mp3:82:= qFC>2?ik^DEC@?8m kDEC@?8mx C625 E96> E96 C68F=2E:@? @G6C E96 A9@?6] xE 5:5 ?@E[ 5:5 ?@E 492?86 E96:C A@D:E:@?]k^DEC@?8mk^Am
kAmkDEC@?8ms2?ik^DEC@?8m x H@F=5âG6 C62==J DECF88=65 :? E92E 4@?G6CD2E:@? E@ 4@?E2:? >J C286] x >62?[ :EâD ;FDE 7=2336C82DE:?8[ C:89En {:<6[ x DA6?E 2== 52J 86EE:?8 @? E96 A9@?6] x >62?[ 2== @7 E9:D C6>:?5D >6 @7 E96 (:K2C5 @7 ~K[ 2?5 E96J H6C6 =:<6[ ?@ @?6 42? D66 ~K]k^Am
kAmp?5 J@F <?@H[ D96âD[ D96âD =:<6[ x 2> 8@:?8 E@ D66 9:>] p?5[ 2?5 E96? D96 D66D 9:> 2?5 96âD =:<6[ 8@ 2H2J 2?5 4@>6 324< E@>@CC@H] ] x 2> ~K]k^Am
kAmkDEC@?8mp3:82:= qFC>2?ik^DEC@?8m kDEC@?8m6I24E=J] xE :D 2[ :E :D 2 4@>A=6E6 CF?2C@F?5] &>[ 2?5 D@ H96? J@F 86E E@ E9:D A=246[ x E9:?< J@F 92G6 E@ =6E E96 C286 7F6= J@F[ >2J36 E2<6 2 3C62<[ 62E D@>6 D?24<D]k^DEC@?8mk^Am
kAmkDEC@?8ms2?ik^DEC@?8m p?5 <66A 8@:?8 H:E9 @E96C DEC2E68:6D] x?4=F5:?8 @?6D E92E >2J D66> AC6EEJ @FE @7 E96 H2J 2E 7:CDE]k^Am
kAm$@ p3:82:= 42==65 E96 @77:46 @7 96C 7C:6?5âD DE2E6 C6AC6D6?E2E:G6]k^Am
kAmp?5 @7 2== E96 =6DD@?D 7C@> p3:82:=âD DE@CJ[ E9:D @?6 >2J 36 E96 |~$% :>A@CE2?E]k^Am
kAmkDEC@?8mp3:82:= qFC>2?ik^DEC@?8m kDEC@?8m%9:D :D E96 D64C6E EC:4< 7@C 2?J :?E6C24E:@? J@F 2C6 92G:?8[ =2C86=J H:E9 8@G6C?>6?E 286?4:6D[ 3FE 2=D@ D@>6E:>6D H:E9 AC:G2E6 4@>A2?:6D] &>[ 2== @7 J@FC 6=64E65 C6AC6D6?E2E:G6D 7C@> =@42= E9C@F89 E@ r@?8C6DD[ E96J 92G6 DE2776CD H9@D6 @?=J ;@3 :E :D[ :D E@ >2<6 J@FC :?E6C24E:@?D H:E9 E96D6 DJDE6>D 62D:6C]k^DEC@?8mk^Am
kAmkDEC@?8ms2?ik^DEC@?8m p3:82:= 24EF2==J H@C<65 7@C 2 >6>36C @7 r@?8C6DD @?46 FA@? 2 E:>6[ D@ D96âD D66? E9:D 2== 7C@> E96 @E96C D:56]k^Am
kAmkDEC@?8mp3:82:= qFC>2?ik^DEC@?8m kDEC@?8m*@FC 6=64E65 C6AC6D6?E2E:G6D[ 92G6 6?@C>@FD C6D@FC46D 2E E96:C 5:DA@D2=] p?5 E96 8@@5 @?6D <?@H E92E E96 H2J J@F 86E C66=64E65 :D 3J 96=A:?8 A6@A=6 H:E9 E96:C DA64:7:4 AC@3=6>D 2?5 H:== 8@ @FEE2 E96:C H2J E@ 5@ :E]k^DEC@?8mk^Am
kAmkDEC@?8ms2?ik^DEC@?8m *@F 5@?âE 92G6 E@ 36 2 7@C>6C r@?8C6DD:@?2= 2:56 J@FCD6=7 E@ 42== J@FC DE2E6 C6AC6D6?E2E:G6âD @77:46] x >62?[ k2 9C67lQ9EEADi^^32==@EA65:2]@C8^!@AF=2E:@?0C6AC6D6?E6503J0DE2E60=68:D=2E@CDQm:? >@DE 42D6D[ 2 DE2E6 C6A 5@6D?âE 6G6? 92G6 %wp% >2?J 4@?DE:EF6?EDk^2m] qFE E96J 5@ 92G6 DE277]k^Am
kAm$@[ p3:82:= 5:5?âE 42== E96 DE2E6 C6AâD @77:46 3642FD6 D96 <?6H D@>6@?6 E96C6] $96 42==65 3642FD6 D96 <?6H H92E D@>6@?6 E96C6 4@F=5 s~]k^Am
kAmp?5 ?@H J@F <?@H :E E@@]k^Am
kAmkDEC@?8mp3:82:= qFC>2?ik^DEC@?8m kDEC@?8m%96D6 DE2776CD 92G6 D64C6E A9@?6 ?F>36CD[ E96J 92G6 6>2:= 255C6DD6D[ E96J 86E E9:?8D 7:I65]k^DEC@?8mk^Am
kAmkDEC@?8ms2?ik^DEC@?8m p DE2776C 925 8:G6? p3:82:= 2 5:C64E 6>2:= E@ E96 C:89E A6CD@? 2E E96 DE2E6 C68F=2E@CâD @77:46â]k^Am
kAmkDEC@?8mp3:82:= qFC>2?ik^DEC@?8m kDEC@?8mp?5 D@ H6 6>2:=65 E96>[ 8@E 2 C6A=J 324< 2=>@DE :>>65:2E6=J D2J:?8[ J629[ J@FâC6 C:89E[ E9:D :D 325]k^DEC@?8mk^Am
kAmkDEC@?8ms2?ik^DEC@?8m p?5 E96? D96 962C5 7C@> D@>63@5J t{$t 2=E@86E96C]k^Am
kAmkDEC@?8mp3:82:= qFC>2?ik^DEC@?8m kDEC@?8mx E9:?< H:E9:? 2? 9@FC @C EH@[ F9[ 8@E 2 A9@?6 42== 7C@> E96 962=E942C6 A=2?D =@33J:DED 7@C E96 DE2E6[ D2J:?8 E92E[ J629[ D96 H2D A6CD@?2==J 8@:?8 E@ 7:I E9:D[ AC@>:D:?8 2? 2AA@:?E>6?E H:E9:? E96 ?6IE EH@ 52JD]k^DEC@?8mk^Am
kAmkDEC@?8ms2?ik^DEC@?8m w@=J D9:E] x >62? x =@G6 E92E :EâD E96 =@33J:DEÂ k^Am
kAmkDEC@?8mp3:82:= qFC>2?ik^DEC@?8m kDEC@?8m*629[ E92E H2D DA64:2=]k^DEC@?8mk^Am
kAmkDEC@?8ms2?ik^DEC@?8m x >62?[ :EâD G6CJ :?E6C6DE:?8[ C:89En %92E =:<6 E96 @77:4:2= 492??6=D 5:5 ?@E 8@ 2?JH96C6] %92E H92E 92AA6?65 H2D E96 A@=:E:42= 24E@C 8@E :?G@=G65 2?5 2 A@=:E:42= 24E@C @? E96 :?DFC2?46 D:56 42>6 2?5 >256 :E 92AA6?]k^Am
kAmkDEC@?8mp3:82:= qFC>2?ik^DEC@?8m kDEC@?8mtI24E=J] %96 <6J :D J@F ;FDE[ J@F 92G6 E@ <66A >@G:?8 FA 2?5 J@F 92G6 E@ AC6DD @? 2== E96 =6G6CD E92E J@F 42?]k^DEC@?8mk^Am
kAmkDEC@?8ms2?ik^DEC@?8m x? E9:D 42D6[ 3642FD6 p3:82:=âD 7C:6?5 H2D @? |65:42:5[ E96 DE2E6 H2D 24EF2==J A2J:?8 E96 :?DFC2?46 4@>A2?J 5:C64E=J[ D@ 86EE:?8 E96> :?G@=G65 H2D AC@323=J 2 >@C6 67764E:G6 =6G6C E92? :? @E96C D:EF2E:@?D] qFE :E H@C<65Pk^Am
kAm$@>6E9:?8 24EF2==J H@C<65]k^Am
kAmp?5 >2<:?8 E92E 92AA6? E@@< 2? F?36=:6G23=6 2>@F?E @7 H@C<[ 2>@F?E @7 C6D@FC46D] %92E :D @?6 @7 E96 qxv E2<6\2H2JD 96C6[ 2?5 :EâD ?@E 6I24E=J 2 4966C7F= @?6]k^Am
kAmp3:82:= 6DE:>2E6D D96 AFE =:<6 92=7 2 H@C<H66< :?E@ E9:D] ,x >62?[ 9@=J 4C2A].k^Am
kAmkDEC@?8mp3:82:= qFC>2?ik^DEC@?8m kDEC@?8mx H2D =F4<J 6?@F89 E@ 36 :? 2 ;@3 H96C6 x[ x 4@F=5[ J@F <?@H[ >J 3@DD H2D F?56CDE2?5:?8 x 4@F=5 36 E2<:?8 E96D6 42==D 2E E96 @77:46 7@C D@>6E:>6D 9@FCD 2E 2 E:>6]k^DEC@?8mk^Am
kAmkDEC@?8ms2?ik^DEC@?8m p?5 D96âD 7=F6?E :? t?8=:D9] p?5 D96âD 4@>7@CE23=6 ?2G:82E:?8 3FC62F4C24J[ E@ D2J E96 =62DE]k^Am
kAmkDEC@?8mp3:82:= qFC>2?ik^DEC@?8m kDEC@?8mx 2> 2 =2HJ6C H9@ H@C<65 :? 962=E942C6 A@=:4J 367@C6 =2H D49@@=[ 2?5 x 5@ E9:D H@C< AC@76DD:@?2==J[ 2?5 :E DE:== E@@< >6 D@ =@?8] p?5 E92E H2D H:E9 E96 25565 AC:G:=686 @7[ 86EE:?8 E2<6? D6C:@FD=J 3642FD6 @7 >J 65F42E:@?[ 3642FD6 xâ�> H9:E6[ 3642FD6 @7 2== E96D6 E9:?8D]k^DEC@?8mk^Am
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