Title 42 — The Public Health and WelfareRelease 119-73

§300gg–115 Protecting patients and improving the accuracy of provider directory information

Title 42 › Chapter CHAPTER 6A— - PUBLIC HEALTH SERVICE › Subchapter SUBCHAPTER XXV— - REQUIREMENTS RELATING TO HEALTH INSURANCE COVERAGE › Part Part D— - Additional Coverage Provisions › § 300gg–115

Last updated Apr 6, 2026|Official source

Summary

For plan years starting on January 1, 2022, group health plans and health insurers must keep their provider lists accurate and easy to check. They must have a public online database that lists every doctor and facility they have a contract with and basic contact details. They must confirm and update that online list at least once every 90 days, remove a provider if they can’t verify them, and update the database within 2 business days when a provider sends new information. If someone calls or uses the plan’s website to ask whether a provider is in-network, the plan must reply as soon as possible and no later than 1 business day in writing (electronic or paper as the person asks) and keep that reply in the person’s file for at least 2 years. Any printed provider directory must say the list was correct when printed and tell people to check the online database or contact the plan for the latest info. Provider directory info means the provider’s name, address, specialty, phone number, and digital contact. If a person gets care from a provider who turns out to be out-of-network but would have been covered in-network, and the person relied on the plan’s online list, printed directory, or the plan’s answer that the provider was in-network, the plan cannot charge higher cost-sharing than it would for an in-network provider and must count the charges toward the same deductible and out-of-pocket limit. Plans must also post and put on explanations of benefits clear information about protections against surprise bills, any state rules about provider charges, and how to contact state and federal agencies to report violations. State law about provider directories still applies.

Full Legal Text

Title 42, §300gg–115

The Public Health and Welfare — Source: USLM XML via OLRC

(a)(1)For plan years beginning on or after January 1, 2022, each group health plan and health insurance issuer offering group or individual health insurance coverage shall—

(A)establish the verification process described in paragraph (2);

(B)establish the response protocol described in paragraph (3);

(C)establish the database described in paragraph (4); and

(D)include in any directory (other than the database described in subparagraph (C)) containing provider directory information with respect to such plan or such coverage the information described in paragraph (5).

(2)The verification process described in this paragraph is, with respect to a group health plan or a health insurance issuer offering group or individual health insurance coverage, a process—

(A)under which, not less frequently than once every 90 days, such plan or such issuer (as applicable) verifies and updates the provider directory information included on the database described in paragraph (4) of such plan or issuer of each health care provider and health care facility included in such database;

(B)that establishes a procedure for the removal of such a provider or facility with respect to which such plan or issuer has been unable to verify such information during a period specified by the plan or issuer; and

(C)that provides for the update of such database within 2 business days of such plan or issuer receiving from such a provider or facility information pursuant to section 300gg–139 of this title.

(3)The response protocol described in this paragraph is, in the case of an individual enrolled under a group health plan or group or individual health insurance coverage offered by a health insurance issuer who requests information through a telephone call or electronic, web-based, or Internet-based means on whether a health care provider or health care facility has a contractual relationship to furnish items and services under such plan or such coverage, a protocol under which such plan or such issuer (as applicable), in the case such request is made through a telephone call—

(A)responds to such individual as soon as practicable and in no case later than 1 business day after such call is received, through a written electronic or print (as requested by such individual) communication; and

(B)retains such communication in such individual’s file for at least 2 years following such response.

(4)The database described in this paragraph is, with respect to a group health plan or health insurance issuer offering group or individual health insurance coverage, a database on the public website of such plan or issuer that contains—

(A)a list of each health care provider and health care facility with which such plan or such issuer has a direct or indirect contractual relationship for furnishing items and services under such plan or such coverage; and

(B)provider directory information with respect to each such provider and facility.

(5)The information described in this paragraph is, with respect to a print directory containing provider directory information with respect to a group health plan or individual or group health insurance coverage offered by a health insurance issuer, a notification that such information contained in such directory was accurate as of the date of publication of such directory and that an individual enrolled under such plan or such coverage should consult the database described in paragraph (4) with respect to such plan or such coverage or contact such plan or the issuer of such coverage to obtain the most current provider directory information with respect to such plan or such coverage.

(6)For purposes of this subsection, the term “provider directory information” includes, with respect to a group health plan and a health insurance issuer offering group or individual health insurance coverage, the name, address, specialty, telephone number, and digital contact information of each health care provider or health care facility with which such plan or such issuer has a contractual relationship for furnishing items and services under such plan or such coverage.

(7)Nothing in this section shall be construed to preempt any provision of State law relating to health care provider directories.

(b)(1)For plan years beginning on or after January 1, 2022, in the case of an item or service furnished to a participant, beneficiary, or enrollee of a group health plan or group or individual health insurance coverage offered by a health insurance issuer by a nonparticipating provider or a nonparticipating facility, if such item or service would otherwise be covered under such plan or coverage if furnished by a participating provider or participating facility and if either of the criteria described in paragraph (2) applies with respect to such participant, beneficiary, or enrollee and item or service, the plan or coverage—

(A)shall not impose on such participant, beneficiary, or enrollee a cost-sharing amount for such item or service so furnished that is greater than the cost-sharing amount that would apply under such plan or coverage had such item or service been furnished by a participating provider; and

(B)shall apply the deductible or out-of-pocket maximum, if any, that would apply if such services were furnished by a participating provider or a participating facility.

(2)For purposes of paragraph (1), the criteria described in this paragraph, with respect to an item or service furnished to a participant, beneficiary, or enrollee of a group health plan or group or individual health insurance coverage offered by a health insurance issuer by a nonparticipating provider or a nonparticipating facility, are the following:

(A)The participant, beneficiary, or enrollee received through a database, provider directory, or response protocol described in subsection (a) information with respect to such item and service to be furnished and such information provided that the provider was a participating provider or facility was a participating facility, with respect to the plan for furnishing such item or service.

(B)The information was not provided, in accordance with subsection (a), to the participant, beneficiary, or enrollee and the participant, beneficiary, or enrollee requested through the response protocol described in subsection (a)(3) of the plan or coverage information on whether the provider was a participating provider or facility was a participating facility with respect to the plan for furnishing such item or service and was informed through such protocol that the provider was such a participating provider or facility was such a participating facility.

(c)For plan years beginning on or after January 1, 2022, each group health plan and health insurance issuer offering group or individual health insurance coverage shall make publicly available, post on a public website of such plan or issuer, and include on each explanation of benefits for an item or service with respect to which the requirements under section 300gg–111 of this title applies—

(1)information in plain language on—

(A)the requirements and prohibitions applied under section 300gg–131 and 300gg–132 of this title (relating to prohibitions on balance billing in certain circumstances);

(B)if provided for under applicable State law, any other requirements on providers and facilities regarding the amounts such providers and facilities may, with respect to an item or service, charge a participant, beneficiary, or enrollee of such plan or coverage with respect to which such a provider or facility does not have a contractual relationship for furnishing such item or service under the plan or coverage after receiving payment from the plan or coverage for such item or service and any applicable cost sharing payment from such participant, beneficiary, or enrollee; and

(C)the requirements applied under section 300gg–111 of this title; and

(2)information on contacting appropriate State and Federal agencies in the case that an individual believes that such a provider or facility has violated any requirement described in paragraph (1) with respect to such individual.

Reference

Citations & Metadata

Citation

42 U.S.C. § 300gg–115

Title 42 — The Public Health and Welfare

Last Updated

Apr 6, 2026

Release point: 119-73