Examine the one number that controls your health care spending. Here it is. Take a look at this. It is not your Social Security number. It is not your drivers liense either. It is the cpt code. There are thousands of them. That is the number and ensure chooses to use to describe her care. It can make thousands of dollars of difference to your bottom line and we will explain this and more coming up in about half an hour. Our users guide to health care continues as we help you avoid medical billing errors. Now to ourtop story, the house takes on omacare ga. A vte this hour to delay the individual and employer mandates in obamacare. Evenhough the white house has issued a delay on the employer mandate. Present obama has threatened to veto any bill awaiting his signature law here we weigh with Douglas Holtz dakin. Werjust showing pictures of the conversation that cotinues. I have to tellyou that we have se this movie before and it does not end well. ile you delay and get rid of the individual mandate . What is the thinking . With the government and obamacare, the individual mandate cant be enforced very well you need to have Health Insurance and the largest corporations dont worry about it. So the employer mandates as we dot need that. The republicans are like, you know ce you need some of this stuff. Is that the Insurance Exchange that is in trouble it seems to me that what the president has done is by telling mpanies they dont have to play, one of the things thats happening is the whole financial mechanics of the law. Falling apart here. Could this love work remap the wait is going to kind of roll into being in this strange uneven way we havehad experiments without the individu mandate and they turn out to e not qute that bad. Then the Employer Community said at they have had it with this business. In which case this is an extraordinarily expensive operation and there is no good news in here. Gerri the president is gng to be speaking on this six of thm in 2010 alone. I mean, is thisworking. The white house will of januy 2013 so it doesnt matter what actually goes on out there. They are going to find a way to say thatt is working just fine. We have passed this commentor signature achievement in the president has been part of that sales job. And it was only a few weeks later im not sure that that reassurance will ring true the informati has to be shipped from government hubs to different agencies and there has been no testing to our knowledge of these and that is a big concern individuals c lie about their income. Gerri theyre talking about obamacare, the Battle Royale between the parties. In reality what is going on is the industry is changing dramatically. The ground that our feeder standing on a shifting. So there is no good news nd economic monopolies. Im very concerned about the concentration of industrythis is nothing to improve the fundamental to what they care about. Gerri the banking giant has ordered to pay 500 million in fines this is a crazy story. Thank you for coming in tonight, my friend. Our guest joins us now. Years after the market he said it is by far the largest. It is much larger than all of the other penalties. In the history of this, this is the first time it will be litigated. Gerri to that point, have you read the email . Does that sound like a bunch of people are into this . Yes, ive seen some of the emails we are absolutely right. Gerri im laughingt this, the reality of this i that even this massive fine. The agency has a hard line and we see these email and you see that it is very rare in this case the director of the vision has been assessing the penalty of 50 million this is as far as it goes asar as Energy Regulation is concerned. Gerri there are companies all the time that our with raising n people that they cant afford the energy they are buying. Families with kids and he has every reason to believe he did. I am of the same. For the ladies and washington should do no more than necessary to regulate this problem. I think there was a change in the law. And it is going to be affecting big banks, its an important change. Gerri thank you, sir, i appreciate your time. Now we want to know what you think. Our corporate wrongdoers getting off too easy. La mancha gerriwillis. Com come about on the righthand side of the screen. Will share the results at the end of tonights show. A lot more still to come. Including how you do that . The best way to have a lower price. And ben bernanke calming employers tonight. Are live from capitol hill after the break this is the moment i knew. His future had no boundaries. There are some moments only the forest can inspire. Find yours at discovertheforest. Org. Gerr ben bernanke reassuring the market that the central bank isnt taking away the punch bowl anytime soon. Dung his testimony from congress. Peter barnes is on capitol hill with the very latest. Reporter youre absolutely right. Sometime later in the year, as long as there is Stronger Economic growth and job creation. And this is a preset course. They are going to it for the data. It is causing impact on volatility. Guesstimate markets are tough. The federal fund rate, that is the main tool in the main weapon here. Reporter he doesnt consider tapering is tightening. Mortgage rates have gone up because of his concern about tapering and they consider him to be a friend of wall street more so than a main street. They have got hit on that issue several times as well. Take a listen. Wall treet has benefited more than main street has. We do it all over with the Senate Banking committee. Gerri i just have to ask you this. On the wall street journal today,. Do you think that has any weight . Stocks are up, housing prices are up. It makes people feel better about their personal finances and then he did go out of his way to say that we are trying to help mainstreet. Gerri time to look at the top stories on fox business. Com. Pushing the stock market up. American express, caterpillar, the indexes for all of about a quarter percent. That accordrding to the book ou. The result of the housing recovery and morefactory output. Once again we are recalling dehumidifiers, they said. Recall now kenmore brands at sears. And google appears to be Getting Better to inoduce next generation of its nexus tablets. We have more coming later in the show. How to save on medical bills and how to fix them. It is a part of our continuing series. We are bargaining after the break. We will be right back. If you have high cholesterol, heres some information that may be worth looking into. In a Clinical Trial versus lipitor, crestor got more highrisk patients bad cholesterol to a goal of unr 100. Getting to goal is important, especially if you have high cholesterol plus any of tse risk factors because you could be at increased risk for plaque buildup in your arteries ovetime. And thats why when diet and exercise ane arent enough to lower cholesterol i presibe crestor. [ female announr ] crestor is not right for everyone. Like people with Liver Disease or women who are nursing, pregnant or may become pregnant. Tell your doctor about other medicines youre taking. Call your doct right away if you have muscle pain or weakness, feel unusually tired, have loss of appetite, upper belly pain, dark urine or yellowing of skin or eyes. These coulbe signs of rare but serious side effects. Is your cholesterol at goal . K your doctor about crestor. [ female announcer ] if you cant afford yr medication, astrazeneca may be able to help. Gerri price tags are never ever set in gerri price tags are never ever gerri lot of us hate you haggle, dont want to negotiate. I am told just a few simple moves can save you hundreds of dollars on your next purchase. So how do you do that . During the now is todd. Thank you so much for joining us. This is a fantastic story. More doctors are benefiting from large groups and affiliations to hospitals people are not cooperating in the goshen as much as they were. When one side tries to negotiate with another, it is perceived as weakness home electronics, your medical bills, cell phone plan telecom, people are successful at least once in three years. So they are successful and people are just culturally not as a to haggle. Gerri okay, so you say everything is fair game. And we are doing a lot on medical right now. Im told you can negotiate a doctors bill a lot of people say, okay, how can i pay this. A lot of timesou can actually apal to a doctor or a Doctors Office by saying, i have talked to experts when you try to get through the gobbledygook, it makes it so complicated, if you waited out an appeal to them, you can get through this. They say that they routinely gotiate discounts, many of them do. Lecom companies, cell phone plans, it used to be that we were actually seeing more people do that. And i think because they are very informed. And the fact that you have one company beating another over the head. They are always intducing deals on a monthly basis. So in that way you dont hear that theres nothing to lose. That is one of the key things. Rri how can you work with fitness weight . There is this kind ofeeling on the other end that the person being quie, that is maybe he was insulted by my offer. Gerri do you have a price in the back of your head that you wont . You should always know what a fair price is. You have a lot of options to shop at. So that is how it works with a price match guarantee. So they are now matching these prices. Gerri excellent infrmation. I love having you on. Thank you so much. Its my pleasure. Gerri we will have to reair that one. Coming p, a cheaper education to a colege education. And your health care continues. Makaking sure your medical bills are right. Well have that next the boys used double miles from their capital one venture card to fly home for t big family reunion. You must be garths father . Hello. Motr. Mother traveli is easy with the venture card becau you can fly any airline anytime. Two words. Double miles this guy can act. Wanna play dodge rock . Oh, you guys a with double miles you can actuay use, you never miss the fun. Beard grong contest and go win whats in your wallet . [ whirring ] [ dog barks ] i want to treat mo dogs. Our Business Needs more cases. [ male announcer ] where do you want to take your business . I need help selling art. [ male announcer ] from broadband to web hosting to mobile apps, sll Business Solutions from at t have the security you need to get you there. Call us. We can show you how at t solutions can help you do what you do. Ev better. Can help you do what you do. Ev better. [ female announcer ] some people like to pretend a flood could ver happen to them. And that their Homeowners Insurance protts them. [ thunder crashes ] it doet. Stop pretending. Only Flood Insurance covers floods. Visit floodsmart. Gov pretend to learn your risk. Gerri medical bill mistakes. It is unbelievable. We are continuing indepth coverage. Complicated coding and terms, many hope that you dont understand. Billing and typos and medical coding. Markthank you for coming in. I want to talk a little bit about these bills when you look at the bills comedian microscope to figure out where the information is. Gerri to be clear. Most consumers are baffled. They get the explanation of benefits and its kindof an oxymoron. So but at the same time it is so important for the consumer to be aware of this and underand this. Gerri what is the deadne . Generally 45 days. Gerri so if you don take action, you will definitely want to know that. Here is from blue shield of californ. One of the bills tha yousent, there it is right there, take a look at that. We are going to om in on the part that will capture your attention. Its right here. Explain wh it means. Basically what its saying is that if ou have a separate communication that is sent to the member, and we need additional information, the fact is that they got to pieces of information. Gerri elv says that we dont have the information and then it says that we need another letter. This is cazy. Showing you a sense of how crazy this billing is. This is blue cross and blue shield. Take a look at this. We are going to zoom in on a piece of this and you can see what we are talking about. This is another issue. Please tell us about the. This is really fascinating. An example of them saying that they didnt have the address. They are sending out checks all the time that t addre that was submitted arguably was wrong. Again what it lso says that the member needs to contact the provider to subit these claims again. And again if you dont read this, you could be really responsible. Even a small one, even a glitch, what do yu think . Whati think is going on is dealing with this enormously complicated system. You are looking at the fine print, the fact is the most important part of the message is in this small print anmost people dont read it, they dont see it and we are opening up that enveope. Gerri beore we go, i want to touch briefly on us. These are done by the medical association, the american medical association. There is a price tag associated with it. So tha doesnt happen. What yo ee is a number, which is another reason people dont understand. Let me give you an example. This is a funny one. You see these codes that were wrong and it turns ut that it was what was in the tradition that was citing myth, which has to do with organs being in the wrong part of the body, totally miscoded and how would you even know that. Whether your child had a sinus surgery in august the second procedure was a lot mo money. We sort through this all the time. Gerri tell me what is next step . I think being an educated consumer is at the heart of this. Pick up the phone, dont let time go by, call the Insurance Companies and they have Customer Service assoe to be able to answer those questions. And you have the right of appeal. So i think what is really important is dontignore this. We are talking about in some cases give certificates complicate this and you might have to turn to a country like this. Gerri thank you for coming on. Its really complicated. We thank you so much. Coming up tomorrow, users guide health care continues before you have procedures done and how to negotiate those medical bills. We are will cover every bit of it. Dont forget to go to gerriwillis. Com for a look at the eire users guide. Thats ere you steal the website to talk about. All of the explanations are right that. Even the best of hospitals, even the best hospita out there have bill that are impossible to understand. The creme de la creme medical facilities, everything from cancer to neurology. A world report came out with a list that is my top five. Ucla medical center, the number one hospital in california has an 85 satisfaction rate. Number fr is the cleveland clinic, the best facility for cardiology and heart surgery. Number three is thyo clinic. The hospital has locations in arizona and florida and it home state of minnesota. It was named the best diabetes hospital in the country and also the best and other categories. Number two is massachusetts general. It has ben nearly 90 satisfaction rate. That goes to jn hawkins and baltimore. It was named the best hospital for five different specialties, including urologyand geriatrics. And the hospital at northwestern camm in at number six. For the complete list go to gerriwillis. Com. When we have return, we will have an update on a new trend in Higher Education. Getting more for your education. Stay with us copd makes it hard to breathe. But with advair, im breathing better. So now i can help make this a great block party. [ male announce ] advair is clinically proven to help significaly improve lung function. Unlike most copd medications, advair contains both an aiinflammatory and a longacting bronchodilator working together to help improve your lung function all day. Advair wont replace fastacting inhalers for sudden symptoms and should not bused more than twice a day. People wi copd taking advair may have a higher chance of pneumonia. Advair may incrse your risk of osteoporosis some eye prlems. Tell your doctor if you have a heart ndition or high Blood Pressure before taking advair. Ask your doctor if including advair could help improve your lung function. [ male announcer ] Advair Diskus fluticasone propionate and salmeterol inhalation powder. Get your first prescription free and save on refills at advaircopd. Com. Gerri forget college, that is what some students are saying. More of them going to Certificate Programs for a faster and cheaper education. Some getting bigger pchecks as a result. Joining me now is a professor at georgetown university. Welcome to the show. It is so great having here. Just how popular are the Certificate Programs, and why are they becoming such a big thing . Well, they are very flexible. Muchmore prevalent than people realize. 18 have a certificate and they actually can be mbined with a Higher Education degree. You can get a twoyear degree and even if people get a ba aba and then get a certificate. These are occupationally oriented programs that are really part of the specific job. Gerri one of the things that they dont see from the outset of this to it is finishing the program and getting placed in an appropriate job. These programs tend to be specifically focused and we really dont get a lot of general skills. If you dont use those skills, just a little bit more than half get placed well. So if you dont do that, you dont get that much from this kind of traing. B1 are the institutions addressing those concerns . They are trying. Things change. I mean, you know, we think they can do a better job of it. That they need t be put under pressure and there was a program of the deparent of labor called gainful employment that we a trying to evaluate eh program in each school to identify those programs of successful and the edcation and the placing of the students and that would be a way to get rid of those that are not fruitful. Gerri in the meantime, lets talk about what people are getting out of these programs. Will conserve areas are they studying so what are those jobs . Obviously in the i. T. Field. If you are an i. T. Person you will make more than a lot of people with a ba degree. But the more certificates are kind of more manually oriented d airplane mechanics and so forth and so on. Machines of different sorts. Thenthere is office management. Gerri and kill,even though it is specific, that i