And with that, this hearing is adjourned.

And with that, this hearing is adjourned.

Well my commentary to using, not using if you will, the debt ceiling in this fashion, which we hold each other hostage.

The widespread existence of ghost networks is unacceptable.

It is a breach of contract for insurance companies to sell their plans worth thousands of dollars each month, while their product is unusable.

In my view, it's a breach of contract for insurance companies to sell their plans for thousands of dollars each month while their product is unusable due to a ghost network.

In any other business, if a product or service does not meet expectations, consumers get a refund.

I look forward to working with Ranking Member Crapo and every member of the committee to get more of our hard work across the finish line so more families can get mental health care when they need it.

Too often, Americans who need affordable mental health care hit a dead end when they try to find a provider that's covered by their insurance. Ghost networks mean that the lists of mental health providers in insurance company directories…

when insurance companies host ghost networks, they are selling health coverage under false pretenses.

Ghost networks are an ongoing, persistent problem.

The Behavioral Health Network and Directory Improvement Act (S. 5093), introduced last Congress by Senator Smith and Chairman Wyden, would require audits of plans' provider directories.

In a moment of national crisis about mental health, with the problem growing exponentially during the pandemic, the widespread existence of ghost networks is unacceptable.

It is a breach of contract for insurance companies to sell their plans worth thousands of dollars each month, while their product is unusable.

Our secret shoppers could get an appointment--now this is after people had paid vast sums--they could get an appointment only 18 percent of the time.

I am going to work with all of my colleagues here on both sides, Democratic and Republican, to get some real accountability for these patients who pay good money for mental health coverage and then find that there is very little 'there'…

The fact is, these Americans are being ripped off by what the Government Accountability Office has described as a 'ghost network.'

Too often Americans who need affordable mental health care hit a dead end when they try to find a provider that is covered by their insurance. Ghost networks mean that the lists of mental health providers in insurance company directories…