and the employers to comply but as profitable as it has been. charles: we have to leave ith there. we will see you tomorrow night. willis. tips on the best way to get yoursf a bargain. and your users guide to health care. we are going to look at the common mistakes a doctor and hospital bills. we are watching out for you tonight on "the willis report." gerri: in our continuing users guide to health care, tonight we

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. we'rjust 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 can't be enforced very well you need to have health insurance and the largest corporations don't 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 don't have to play, one of the things that's 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 doesn't

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 i'm 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: they're 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. i'm 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 e-mail? does that sound like a bunch of people are into this? >> yes, i've seen some of the e-mails we are absolutely right.

gerri: i'm laughingt this, the reality of this i that even this massive fine. >> the agency has a hard line and we see these e-mail 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 can't 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, it's 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 right-hand side of the screen. will share the results at the end of tonight's 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

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gerr ben bernanke reassuring the market that the central bank isn't taking away the punch bowl anytime soon. dung his testimony from congress. peter barnes is on capitol hill with the very latest. reporter: you're 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 doesn't 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, here's some information that may be worth looking into. in a clinical trial versus lipitor, crestor got more high-risk 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 that's why when diet and exercise ane aren't 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 you're 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 can't 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, don't 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. i'm told you can negotiate a doctor's bill a lot of people say, okay, how can i pay this. a lot of timesou can actually apal to a doctor or a doctor's

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 don't hear that there's 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 won't? >> 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. >> it's my pleasure. gerri: we will have to re-air that one. coming p, a cheaper education to a colege education. and your health care continues. makaking sure your medical bills are right. we'll have that next the boys used double miles from their capital one venture card to fly home for t big family reunion.

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gerri: medical bill mistakes. it is unbelievable. we are continuing in-depth coverage. complicated coding and terms, many hope that you don't 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 it's 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. it's right here. explain wh it means. >> basically what it's 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 don't 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 didn't 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 don't 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 don't read it, they don't 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 doesn't happen. what yo ee is a number, which is another reason people don't 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, don't 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 don'tignore 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. it's 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. don't forget to go to gerriwillis.com for a look at the eire users guide. that's 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 crème 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, i'm breathing better. so now i can help make this a great block party. ♪ [ male announce ] advair is clinically proven

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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 two-year 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 don't 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 don't get a lot of general skills. if you don't use those skills, just a little bit more than half get placed well. so if you don't do that, you don't 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, let's 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 is not something that wilgoway. it seems seems like pretty good deal to me. that is the kind of thing that you want to do. particularly if it's what you dreamed of doing. >> really want to build on your own life and then he will be most happy. you can bring more joy to it and you will get better at it.

there are some dead-end careers out there. but most people have had some skillsnd they can find a niche for hemselves and, you know, have a good career. gerri: how muc do these cost? are they less expensive? >> less expense than a four year degree. so certificates run from thee months up to two years and they pay what they cost, it depends on where you go. have the certificates are in public community colleges and then it's very cheap. just a couple thousand dollars a year. but then another half is done by these private private for profit schools. >> yes, we will do another segment on that someday. i think the certificates are the price tag is sure attractive to a lot of people out there. weneed to leave it there, but thank you for coming on. you areso articulate on this topic and we appreciate it. >> i am glad to be here.

gerri: still to come, my "two cents more". at&t lets you upgrade your phone every year. let's see if that's true. we will have that next there is a pursuit we all share. a better life for your family, a better opportunity for your business, a better legacy to leave the world. we have always believed in this pursuit, striving to bring insight to every investment, and integrity to every plan. we are morgan stanley. and we're ready to work for you.

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thank you for beg with us. and has been four days since george zimmerman was found not guilty of murdering trayvon martin l the ignorance operating is reaching alarming and disturbing levels. we bgin with the white house. pressecretary jay carney today confirms that president obama is firmly behind attorney general eric holder opinion that "stand your ground" need to be changed in the name of gun-control. here is the spokesman earlier today. >>