. >> reporter: when sharon brown got sick, she was falling behind on her loans. then she heard this ad. >> how you could potentially have the remaining balance on your student loan debt forgiven. >> reporter: she called and the company told her she could go over 400 to $49 a month. >> everything sounded great, but i was still just a little cautious because they were requesting funds up front. >> reporter: that, said illinois attorney general lisa madigan, is a scam. one sharon brown didn't fall for. >> they claim they are experts who can cut your student loan in half or have it forgiven, but of course the scammers want you to give them your credit card number or bank accountumr. >> repoer: illinois is the first in the nation file suit against two companies accused of telling students to help reduce debt. >> never pay for information about how to pay back your student loans. >> reporter: good information for 22-year-old grad student kirsten wood who will owe 195,0$195,000 when she graduate. >> i plan to be in debt the majority of my life. >> more than 40 million p

i will add that senator sharon brown has introduced legislation pertaining to those midyear terminations but on the topic of network adequacy. i know the question was raised what do you do if you determine a network is inadequate also importantly what are the tools being used to ascertain whether or not a network is adequate. mr. ginsburg you raised a very good point at the beginning of this conversation. i would welcome a response from mr. durham or mr. webb. if a plan looked at its network and says we have 30 ophthalmologist and they are looking at the specialty z. should they be taking it down to the cpt level to find out do we have an adequate number of retina specialists in our network to be caring for patients with specific needs. i've heard of health plans using the g it so i'd welcome any thoughts that they would have on, you know, ascertaining whether truly there is network adequacy. >> let me say something quickly about subspecialties and move onto the others questions. we're in a lairing process but how to regulate and have trance par transparency for limited network plans. .