AUSTIN, Texas – Una nueva investigación de la AARP Texas muestra que los usuarios de cuidados de la salud con frecuencia se confunden, son guiados erróneamente a salas de emergencias independientes y al final reciben enormes cuentas “sorpresa” aunque antes se les haya dicho que su tratamiento se haría dentro de la red.

La AARP hace un llamado para que en Texas se refuerce la transparencia de las normas que rigen a las salas de emergencia independientes.

La confusión de los consumidores de Texas sobre estas salas ha dejado a muchas familias con sorpresivas cuentas médicas, tan inesperadas como innecesarias.

Una encuesta reciente de la AARP sobre las salas de emergencia independientes en el estado encontró que, a diferencia de las clínicas de urgencias, en el caso de las independientes muchas cuentas caen fuera de catálogo para la mayoría de las aseguradoras.

Los pacientes reportan un “Ticker Shock”– que puede traducirse como “Impacto por Sobreprecio”– que a veces sufren ante inesperadas cuentas médicas varias veces más altas de lo normal por una urgencia.

Blake Hutson, director estatal asociado de la AARP Texas, dice que frecuentemente para los usuarios a primera vista no es tan obvio que un recinto de apariencia normal realmente sea una sala de emergencias.

“El problema con esas instalaciones es que están en ubicaciones donde se atienden urgencias, centros comerciales, cerca de supermercados y lugares muy convenientes. O sea que parecen lugares para urgencias, pero claro que no lo son.”

Los lugares independientes para atender emergencias (“Freestanding E-Rs”) no están adscritos a un hospital ni a otro lugar que ofrezca servicios normalmente disponibles en la sala de emergencias de un hospital.

Hutson dice que han encontrado que en los lugares independientes donde se atienden emergencias, a los pacientes que preguntaron sobre la cobertura por seguro de salud, frecuentemente se les dijo que su tratamiento estaría cubierto al mismo precio vigente dentro de la red.

Sin embargo, cuando llegó la cuenta, se les dice que su empresa aseguradora rechazó la reclamación como ‘fuera de la red’, o dan un reembolso mucho más bajo, lo que le deja colgado al asegurado para pagar el saldo.

Hutson agrega que también encontró que muchos proveedores independientes de servicios de emergencias no cumplen con las leyes de transparencia del estado, lo que les hace diferentes a las clínicas que atienden urgencias.

“Los consumidores nos dicen que recibieron una cuenta extra por mil, por dos mil dólares. Y claro, no es una cuenta de deberías recibir si vas a urgencias. Así que es lógico que eso sea inesperado para los clientes.”

Dice que un gran porcentaje de las salas de emergencia independientes a las que contactó la AARP para encuestarlas dieron respuestas erróneas o confusas cuando se les preguntó si daban cobertura dentro de la red mediante una póliza de seguro en particular.

“Creo que se necesita un nivel extremo de apertura en todos esos lugares. Que cuando una persona entre comprenda claramente cómo es que trabaja ese lugar con las aseguradoras y cuál será su cuenta y cuáles serán los cargos de ese lugar.”


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Consumer groups are accusing major grocery retailers - like Amazon, Kroger and Walmart - of price gouging, both during and after the pandemic.

The allegation of corporate greed comes after a new report from the Federal Trade Commission found profits for grocery chains jumped sharply, at rates that could not be justified by supply chain disruptions.

Angela Huffman is president of the nonprofit Farm Action.

"It's one thing to raise your prices to cover higher expenses, but what these companies did is use the pandemic as an excuse to exploit the American people who needed to put food on their tables," said Huffman. "And the FTC report shows that they're still doing it, here in 2024."

The report found that retailer profits rose to 6% over total costs in 2021, and 7% in the first three quarters of 2023 - compared to 5.6% in 2015.

According to a report from Help Advisor, California households pay the highest grocery costs in the country, averaging almost $300 a week - about $27 more than the national average.

The Food Industry Association blames today's high prices on high labor costs and credit card payment fees.

Huffman said she thinks the feds should take anti-trust action to increase competition - and consider forcing the grocery behemoths to break up.

"That would be the ideal outcome is to take away their excessive power," said Huffman. "But other than that, these companies can be fined for this kind of price gouging. And that's another action we would support. There needs to be some kind of consequences."

The FTC staff report recommends "further inquiry by the commission and policymakers," but doesn't propose specific remedies.




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Air travelers could face fewer obstacles in securing a refund if their flight is canceled or changed under new federal rules announced Wednesday.

The moves are being praised by watchdog groups. The Department of Transportation said airlines are now required to promptly provide passengers with automatic cash refunds when they are owed one.

Teresa Murray, consumer watchdog director for the U.S. Public Interest Research Group, said some carriers have not adhered to standards, leaving passengers in a bind.

"They would drag their feet, and they would say, 'Well, you bought your ticket from a ticket agent, so we don't know where your money is. Or, here, have a voucher,'" Murray explained.

Amid higher complaint volumes, companies will be forced to act quickly. The new rules, which are being phased in, provide clearer definitions for travel disruptions, including delays of at least three hours on a domestic flight and six hours on international flights. A key industry group responded to the announcement by touting transparency efforts among carriers.

Murray acknowledged most people are not frequent flyers, and it is hard for them to keep up on all the least practices and policies among airlines.

"The average person only flies once every 18 months," Murray pointed out. "This will just bring transparency to that process and it kind of evens the playing field."

Murray added it could come in handy for Midwestern customers when a winter storm wreaks havoc on air travel. The new rules also require refunds for baggage fees when a piece of luggage is delayed by 12 hours or more for domestic flights. And there must be upfront disclosure on fees for first and second checked bags and carry-on bags.


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Wisconsin lawmakers recently debated reforms for payday loans. Efforts to protect consumers come amid new research about financial pain associated with cash advances offered through smartphone apps. The Center for Responsible Lending is out with findings that detail how "earned wage advances" from digital platforms come with extra costs disguised as things like tips. Traditional payday lenders are often criticized for charging excessive interest rates on loans that are usually around $500.

Lucia Constantine, a researcher with the Center for Responsible Lending, said customers are usually seeking smaller amounts from the apps, but she warns they can be just as costly.

"They are trapping consumers in a cycle of borrowing that is similar to that of a payday loan, " she said.

The report said after using these financial products, customers are seeing overdrafts on their checking accounts increase by 56% on average. Industry leaders deny they're barraging consumers with hidden fees, stressing that features such as suggested tips are optional. More broadly, a bipartisan payday loan reform bill in the Wisconsin Legislature failed to advance this month.

Constantine said like longstanding payday lenders, these cash advance apps can be hard to regulate. Meanwhile, she urged those in a bind to explore other options.

"[They should] try talking to their friends and family as a first source. The other option which I would recommend is reaching out to their credit union or banking institution to see if they can get some sort of small-dollar loan," she said.

She noted places such as credit unions typically provide more transparency on loan costs. According to the report, three-quarters of consumers took out at least one advance on the same day or day after a re-payment was posted.


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