; (iii) includes a substantial number of providers and facilities that are not part of the network; or (iv) omits a substantial number of providers and facilities that are part of the network. ; and (2) in subsection (b)— (A) in paragraph (1), by striking and if either of the criteria described in paragraph (2) applies with respect to such participant, beneficiary, or enrollee and item or service ; and (B) by striking paragraph (2) and inserting the following: (2) Reconciliation requirement If a nonparticipating provider was listed as a participating provider in the posted provider directory database, the group health plan or health insurance issuer shall, not later than 30 days after receiving the request for payment, notify the participant, beneficiary, or enrollee, in plain language, that the participant, beneficiary, or enrollee may be eligible for a refund from the group health plan or health insurance issuer if such participant, beneficiary, or enrollee paid the out of network cost-sharing and did not receive a refund under section 2799B–9(b). . (b) ERISA (1) In general Section 720 of the Employee Retirement Income Security Act of 1974 ( 29 U.S.C. 1185i ) is amended— (A) in subsection (a)— (i) in paragraph (1)— (I) by striking For plan years beginning on or after January 1, 2022, each and inserting Each ; (II) in subparagraph (C), by striking ; and and inserting a semicolon; (III) in subparagraph (D), by striking the period and inserting ; and ; and (IV) by adding at the end the following: (E) ensure that any directory, including the database described in subparagraph (C), containing provider directory information with respect to such plan or such coverage complies with the requirements developed by the appropriate agencies in accordance with paragraph (6) in order to ensure that participants, beneficiaries, and enrollees are able to identify actively participating health care providers and health care facilities.