Congress·In Committee·S. 3750

Senate Committee Targets Medicare Advantage 'Ghost Networks' With Required Doctor Directory Audits

REAL Health Providers Act

about 2 months ago·View on Congress.gov

Part of: Congress Targets Medicare Advantage 'Ghost Networks' with Directory Reform

Legislative Progress

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Law

Key Points

This bill requires Medicare Advantage plans to keep their lists of doctors and hospitals up to date. Starting in 2028, insurance companies must check their directory information every 90 days to ensure patients have the correct phone numbers, addresses, and details on whether a doctor is still accepting new patients.
The policy protects seniors and people with disabilities from 'ghost networks'—lists that include doctors who are no longer in the plan. If a patient schedules an appointment with a doctor listed as 'in-network' who turns out to be out-of-network, the insurance company must limit the patient's bill to the lower, in-network price.
Insurance companies will be required to perform annual audits of their directories and report an 'accuracy score' to the government. These audits must specifically look at areas where errors are common, such as mental health and substance use disorder treatment providers.
To help people choose the best insurance, the government will begin posting these accuracy scores online in 2029. This allows families to see which plans have the most reliable information before they sign up for coverage during the yearly open enrollment period.
Plans must remove doctors from their online lists within five business days of learning they are no longer in the network. If the company cannot verify a doctor's information, they must clearly label that listing in the directory so patients know the details might be out of date.

Healthcare

Impact Analysis

Personal Impact

Who is affectedScoreImpactCertaintyScopeDurationSentiment

Scores: 1 = low, 5 = highSentiment: -5 to +5 (net benefit)

Milestones

2 milestones2 actions

Jan 29, 2026Senate

Read twice and referred to the Committee on Finance.

Jan 29, 2026

Introduced in Senate

Related News

5 articles

MedPage Today·about 2 months ago

American Psychiatric Association Sues Health Plan Over 'Ghost Networks'

A provision in the 2026 appropriations bill passed this week requires Medicare Advantage plans to maintain accurate provider directories beginning in 2028 and report on accuracy. This follows a lawsuit against EmblemHealth for 'ghost networks' that mislead patients seeking mental health care.

Behavioral Health Business·over 2 years ago

New Bill Aims to Cut Down on Behavioral Health 'Ghost Networks'

The REAL Health Providers Act, introduced by a bipartisan group of senators, would strengthen requirements for Medicare Advantage plans to maintain accurate directories. It aims to protect seniors from 'ghost networks' where listed providers are no longer in-network or accepting patients.

MedPage Today·over 1 year ago

MedPAC Tackles Accuracy of Medicare Advantage Network Directories

MedPAC members discussed the 'horrible' and 'unfair' situations caused by inaccurate Medicare Advantage directories. The commission is analyzing network requirements to recommend how changes in directory rules could better serve beneficiaries and prevent patients from being stranded.

Related Bills

3 bills

H.R. 1768Related bill

Lower Costs for Everyday Americans Act

Mar 3 — Referred to the Committee on Energy and Commerce, and in addition to the Committees on Ways and Means, the Budget, the Judiciary, and Education and Workforce, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.

H.R. 5281Related bill

REAL Health Providers Act

Sep 10 — Referred to the Committee on Ways and Means, and in addition to the Committee on Energy and Commerce, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.

H.R. 7148Related bill

Consolidated Appropriations Act, 2026

Feb 3 — Became Public Law No: 119-75.