Coloradans can now compare even more health-care procedure costs, and quality rankings, for over 53 services at more than 100 hospitals and facilities across the state.

Cari Frank, vice president for communications at the Center for Improving Value in Health Care, the group behind the updated Shop for Care tool, said making prices transparent can help individuals save money and bring down the overall costs of care.

"I think we really do need to shift our mindset as consumers," Frank urged. "And be taking ownership of the fact that we have the ability to drive some of these prices down, and take a little bit more control over our premiums."

Frank pointed out the tool can also help those without insurance navigate the best prices for services continuing to rise across Colorado. The highest-priced facility performing C-sections rose by 47%, and the cost of getting a wrist x-ray rose by 26%, between 2017 and 2019.

Price transparency is seen as a key component for bringing down health-care costs, and a new federal law requires hospitals to post prices online, but Frank noted prices are not always easy to find, or very user-friendly when you do.

"Our tool lets them do a one-stop shop, where you can compare all facilities at once," Frank outlined. "You can look at distance from your house, you can look at how the quality compares, just right at your fingertips, as opposed to having to go to each individual site."

The tool, which taps data from the Colorado All Payer Claims Database, also updates so-called episode prices for procedures such as knee and hip replacement, births, hysterectomies, colonoscopies and more. Episode pricing calculates the "all-in" cost based on what a typical procedure involves.

"Pre-surgery, during surgery or during the procedure, and then post," Frank explained. "So it encompasses pretty much everything you might have to pay, so you really get a good idea of what the whole price tag will be."

Sweeping legislation approved by Congress is designed to address a range of issues, including climate change and deficit reductions. Other components tackle skyrocketing medication costs, and Wisconsin advocates say older residents will see benefits.

The Inflation Reduction Act, which cleared its final Congressional hurdle last week, allows Medicare to negotiate for prescription drug prices, while capping out-of-pocket costs for beneficiaries at two-thousand dollars each year.

Lisa Lamkins, advocacy director for AARP Wisconsin, said it will bring relief to individuals around the state.

"We hear everyday stories from our members about the measures that they are taking to try to stay alive when they cannot afford the cost of their drugs," said Lamkins, "folks who skipped doses or cut their pills in half."

She said it's important to know this can help with drugs seniors take on a long-term basis to address chronic health conditions.

The provisions saw heavy resistance from the pharmaceutical industry groups, who argue it will result in unintended consequences, such as a decline in drug innovation.

But Lamkins contended the industry is focused on maintaining the status-quo, while noting the concerns about innovation are overblown.

"The Congressional Budget Office, and they're the sort of nonpartisan scorekeeper of legislation," said Lamkins, "has estimated that only two fewer drugs out of an estimated 400 drugs that would come out over the market in the next 10 years. There would only be two less drugs."

Some elements will take effect next year, including caps on insulin co-pays for Medicare recipients, as well as no-cost vaccines for certain diseases. Other provisions will be phased in or need to be sorted out in the next few years.

Either way, Lamkins said she feels like advocates have taken a major step.

"For the first time we are actually on the cusp of delivering real relief to people," said Lamkins.

Last year, Americans reported losing a record-breaking $5.8 billion to scams, and now, the State of California and AARP are teaming up to try to bring the number down.

A four-part web series on consumer fraud protection debuts today at noon and runs every Wednesday through the end of the month.

Sally Westlake, targeted outreach specialist for the California Department of Financial Protection and Innovation, pointed out so-called romance scams affect thousands of people.

"The most recent report by the FBI said last year, over 3,000 Californians fell victim to online romance scams, losing a total of nearly $184 million," Westlake reported. "The most vulnerable to fall victim to romance scams are people over the age of 60."

The first Scam Chat webinar will cover the most prevalent types of fraud in California right now. The other three in the series will cover home improvement and solar schemes, investment fraud, and financial empowerment.

Jackie Wiley, also a targeted outreach specialist for the California Department of Financial Protection and Innovation, said people should be suspicious when a person calls or emails, claiming to work with a financial institution, or a law enforcement or government agency.

"It could be a utility company, telling you that your bill is delinquent. It could be 'the IRS.' It could be someone saying you missed jury duty," Wiley outlined.

Wiley added it is always a big red flag if a caller or email asks for payment via cryptocurrency or gift card. You can report scams to the Federal Trade Commission or to the Department of Financial Protection and Innovation call center.

Support for this reporting was provided by Lumina Foundation.

Maryland is joining a nationwide effort to crack down on illegal robocalls.

Along with attorneys general from every other state, Maryland's Brian Frosh is joining the Anti-Robocall Litigation Task Force. It will investigate and take legal action against the telecommunication companies turning a blind eye and profiting from illegal robocalls coming into the U.S.

Jen Holtz, associate state director for outreach for AARP Maryland, said it is a great step forward in its partnership with the Attorney General's office to prevent the financial exploitation of older adults.

"In working with Attorney General Frosh in some of these activities that we've sponsored with him, the issue of robocalls comes up multiple times, every single time," Holtz pointed out. "We know it's top of mind for the public."

Common scam calls are against older adults related to Social Security and Amazon scams against consumers. Americans lost nearly $30 billion through fraudulent calls in 2021, according to the National Consumer Law Center. And last month alone, roughly 71 million robocalls were placed in Maryland, which averages more than eight calls per person.

Holtz encouraged consumers to take precautions to avoid becoming the victim of a scam call by hanging up on illegal robocalls, verifying the caller if they claim to be from an agency or organization, and exploring free and low-cost call-blocking options. And she emphasized it is important to stay vigilant.

"They're criminals, they're not following the rules, they're not abiding by the law," Holtz stressed. "They don't care whether you're on that list. So if you're on those Do Not Call Lists, and you're getting that call anyway, it's probably not a legitimate call."

She added education is the best form of prevention, and AARP's fraudwatchnetwork.org provides up-to-date information on the latest tactics used by scammers and offers tips to avoid becoming the victim of fraud.