Insurance companies are being sued over directories that aren't real

Your insurance company says these therapists take your plan. Most of them do not. That is the allegation behind seven class action lawsuits now moving through courts from Massachusetts to California. Attorney Steve Cohen returns to explain what his firm found when it called the names on those lists. This episode is based on his article "Mental health ghost networks are badly hurting patients," published on KevinMD. You will hear what a ghost network is, and why the problem is worst in mental health. You will hear why the listings stay wrong, which has less to do with sloppy record keeping than with what insurers will pay. You will hear which patients get hurt worst, including the ones whose plans carry no out-of-network benefit at all. And you will hear about the provision buried in most policies that requires your insurer to cover an out-of-network therapist when there is no in-network one. Press play for the two steps he tells patients to take in order, get the care first and fight for the reimbursement second.

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