Audit Ghost Networks

Create a statutory, audit‑grade standard for provider directories and an enforceable 'ghost‑network' metric: regulators would require insurers to certify contactability, appointment‑availability windows, prior‑year visit counts per listed clinician, and to publish automated audit logs. Violations would trigger administrative fines, corrective action plans, and a private right of action for harmed patients and mis‑listed clinicians. — This turns a widespread, hard‑to‑see access problem into a concrete regulatory tool that protects mental‑health access, reduces surprise out‑of‑network spending, and holds insurers accountable for the directories that gate care.