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Commercial insurance can cover mental-health care without making it findable, timely, affordable, or sustainable. The access funnel explains why an insurance card so often fails to produce an appointment.
Twelve insurance-affiliated companies now own CAQH, the credentialing database nearly every therapist updates for free, after a January 6, 2026 restructuring that put a UnitedHealth Group executive in the board chair seat. The rebrand to DataSpring changed the name. It did not touch the ghost-network problem the database was supposed to solve.