; (D) in paragraph (5), by adding at the end the following: Such information shall include a statement, in plain language, concerning the rights of the participant, beneficiary, or enrollee to cost-sharing protections pursuant to subsection (b) in the event of reliance on inaccurate provider directory information supplied by a group health plan, and contact information for, as appropriate, the State consumer assistance program or ombudsman or the Employee Benefits Security Administration for more information. ; (E) by redesignating paragraphs (6) and (7) as paragraphs (8) and (9), respectively; (F) by inserting after paragraph (5) the following: (6) Protecting participants, beneficiaries, and enrollees from ghost networks The Secretary, in collaboration with the Secretary of Labor and the Secretary of Health and Human Services, shall— (A) not later than 4 years after the date of enactment of the Behavioral Health Network and Directory Improvement Act , issue final regulations further defining the term ghost network (as defined in paragraph (8))