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

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…

The widespread existence of ghost networks is unacceptable.

It's time for that to change.

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'…

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

What a ghost network is all about is essentially selling health coverage under false pretenses.

Chairman Wyden highlighted during the hearing, Senate Finance Committee staff operating as 'secret shoppers' could successfully make appointments only 18% 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'…

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.

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

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…

What a ghost network is all about is essentially selling health coverage under false pretenses.

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…

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…

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.

When someone who's worried about their mental health or the mental health of a loved one finally works up the courage to pick up the phone and try to get help, the last thing they need is a symphony of 'please hold' music, non-working…

In my view, eliminating ghost networks is going to require a three-legged approach: more audits, greater transparency, and stronger consequences for insurance companies that don't keep their directories up to date.