I can’t find ANY providers who accept my insurance. Want to file a regulatory complaint but not sure where to do so?

I am employed full time by a company with over 1,000+ employees. The insurance they offer us is through HealthScope. I have tried for several months to find providers in my area who will accept this coverage and have been unsuccessful. After tons of Googling and attempting to research the legal requirements that employers and health insurance companies may be obligated to fulfill regarding availability of medical coverage, I found this story today (I will post a comment with screenshots for anyone with a paywall): https://www.nytimes.com/2018/01/11/health/centene-health-insurance-lawsuit.html

The insurance company mentioned in the story did EXACTLY what HealthScope does. They actively give the impression that they have a large network of providers who will accept their benefits. I was given a link to a physician directory and told that a search for a family practice within 20 miles of my home zip code yielded 475 results. I have called about 100 of those providers and none of them have ever even HEARD of HealthScope, so needless to say, they do not accept it. I have been spending a lot on premiums and cannot find any providers in my area who accept my insurance. I asked my employer if they would offer a comparable plan from another company that would be accepted in my area and they said no.

I want to submit a regulatory complaint as was done in the Centene situation, but I’m not sure where to start. I live in one state, my company is based in another, and HealthScope is headquartered in Arkansas but lists an Utah address for claim submissions. Anyone have any advice on how I should begin this process? Or any insight into whether it’s acceptable/legal for a health insurance company to sell policies to individuals who cannot find a covered provider? The Centene article questions exactly this, and that case seemed to favor the plaintiffs.

See also  Laid off - Cobra Plan 1.2k a month for myself and a dependent