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Loophole Big Enough to Drive an Ambulance Through

In 2019 Texas passed a sweeping consumer protection law to curb surprise medical bills in emergency situations or when patients have no choice in who treated them. It was designed to fight a business practice called balance billing, where out-of-network doctors and health care facilities can charge significantly higher amounts than the in-network negotiated rates and then shift whatever the insurer does not pay onto patients. There was a notable exception to the new law: ambulances. By the industry’s own estimate, up to 90 percent of its ambulance services in Texas are outside at least some major insurance networks, if not all, according to the president of the Texas Ambulance Association.

Read Article: Houston Chronicle

From the Texas Trial Lawyers Association news release.


Bob Kraft

I am a Dallas, Texas lawyer who has had the privilege of helping thousands of clients since 1971 in the areas of Personal Injury law and Social Security Disability.

About This Blog

The title of this blog reflects my attitude toward those government agencies and insurance companies that routinely mistreat injured or disabled people. As a Dallas, Texas lawyer, I've spent more than 45 years trying to help those poor folk, and I have been frustrated daily by the actions of the people on the other side of their claims. (Sorry if I offended you...)

If you find this type of information interesting or helpful, please visit my law firm's main website at You will find many more articles and links. Thank you for your time.

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