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Ghost networks, explained: Why finding a doctor can be so hard, even when you have insurance

Insurer directories and booking sites often list doctors who are unreachable or no longer accepting patients, leaving many insured people unable to get appointments.

  • New research reveals that 81% of provider directory entries from 5 large insurers contained errors, leaving patients struggling to secure in-network care.
  • Provider directories often fail to keep pace as clinicians move or change practices, creating 'ghost networks' that insurers maintain for billing purposes rather than ensuring actual appointment access.
  • A Zocdoc study found that appointment wait times could stretch from eight to 10 months, as patients frequently encounter 'dead ends' when calling listed providers.
  • This systemic failure forces many patients to pay out-of-network costs or forgo necessary medical services, as 'ghost networks' erode trust in coverage.
  • Experts advise patients to verify directory details directly with a doctor's office before scheduling, as documenting these 'dead ends' helps regulators identify systemic directory failures.
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Ghost networks, explained: Why finding a doctor can be so hard, even when you have insurance

Zocdoc reports that ghost networks make finding doctors difficult, as many listed providers are unavailable for appointments, leading to access issues for patients.

·Cherokee County, United States
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The Billings Gazette broke the news in Billings, United States on Friday, October 30, 2026.
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