blue cross blue shield and it looks very official, but if you look donw here it's asking for 247 dolars and it requires urgency which is a red flad. but as you can see it looks very professional done. es un aviso de blue blue shield, y se ve muy oficial, pero si ven aqui- abajo... piden que les envien 247 dolares y dice que es urgente-- pero como pueden ver-- el correo electronico se ve profesional para protegerse--- estos agentes de seguros medicos-- tienen unos consejos-- anything that say you should send money or asks for your personal information that's key. i would only respond to someone you know. i think i would almost ignore anything that you find that you receive via the internet. si le piden que envien dinero, o le piden su informacion privada-- no lo hagan-- esa es la clave solo respondan si conocen la s correos electronicos stop cesar --un ex-alumno enfrenta cadena perpetua en la carcel por hacer bromas de indole sexual a una maestra de preparatoria en peninsula. vo --los cargos que enfrenta son el de intento de violacion y secuestro los cuales segun david velazques de 21 aÑos de edad testific a un jurado que el solo hacia una "broma" a la profesora para asustarla. --el veredicto para vela

cross, blue shield of illinois? >> blues and blue shield a lot of different policies. you have to meet a certain criteria. 10 point list of criteria to meet the current standards of obama care. lori's obviously didn't meet it. >> bill: insurance policy has to say, what? >> for instance, let me give you an example. so you have to have maternity and newborn care. that has to be included in your policy. you could be -- >> what if you are 7 a years old? >> doesn't matter. if doesn't matter if you are 75 years old. you have to have pediatric care in your policy as well. >> bill: lori doesn't have that then blue cross can't ensure. >> not ala cart you have to hit the 10 point. >> a lot of insurance companies like blue cross, blue shield who doesn't want any part of this so they are dumping everybody. >> second parts comes from reynolds who lives in las vegas. i'm mad because the white house has approved $300 million to bail out detroit. aren't we broke? isn't it about building a strong democratic base? first of all who allocated

from jacksonville, illinois just made this letter today -- it's from blue cross, blue shield. blue cross blue shield health insurance that you currently have no will no longer be available after december 31. $474premiums will go from first5 effective generate -- january 1. she writes, i don't understand how my current policy can legally be canceled since i'm already doing what i'm supposed to do. say to ms.upposed to york in jacksonville, illinois? do is first thing i would i would encourage her to go talk to the website or go to a call center and see what is available on the market. >> she was told by the president, to whitehouse.gov website, if you have health insurance that you like, you will be able to keep it. she has health insurance that she likes. she has been paying her premiums. she wants to keep it. that she can't. isn't that a lie? >> there has always been the issue where issuers have the ability to stop offering policy. the issuersis not wanting to stop to operate policy. issuer is saying, we are being mandated that we can't continue to offer this policy. it is a yes o

cross, blue shield of illinois? >> bluess and blue shield a lot of different policies. you have to meet a certain criteria. 10 point list of criteria to meet the current standards of obama care. lori's obviously didn't meet it. >> bill: insurance policy has to say, what? >> for instance, let me give you an example. so you have to have maternity and newborn care. that has to be included in your policy. you could be -- >> what if you are 7 a years old? >> doesn't matter. if doesn't matter if you are 75 years old. you have to have pediatric care in your policy as well. >> bill: lori doesn't have that then blue cross can't ensure. >> not ala cart you have to hit the 10 point. >> a lot of insurance companies like blue cross, blue shield who doesn't want any part of this so they are dumping everybody. >> second parts comes from reynolds who lives in las vegas. i'm mad because the white house has approved $300 million to bail out detroit. aren't we broke? isn't it about building a strong democratic base? first of all who allocated

cross blue shield of florida -- >> what you're telling me, blue cross -- >> that's good, i would welcome blue cross blue shield, aetna, aflac, to come out and -- >> this guy predicted the most ever people in this country who would have an increase -- research. >> i have to -- i'm mandated to buy something. that's unconstitutional. >> the point is there should be competition and the ability -- >> there's -- >> bob, let me -- there should be the choice to look around and say, i want to get the best choice for my family -- >> i can't. >> you don't live in florida. >> so now you got to move to florida to get the blue shield cheaper insurance. >> it's just one example in florida. >> there's two lessons here for young people. whenever you are encountered by charm and celebrity to sell something, you're going to get screwed. because the people getting screwed right now are the young people when you look at the spread of premiums. they're the ones getting screwed. and all they did was listen -- if you hear scar jo, say no. that's what you remember. >> scarlett johansson. >> thank you. >>

. >> this is a blue cross/blue shield letter that went out in illinois, it says the new health care law. this means that blue cross/blue shield will no longer be available for renewal as of december 31st, 2013. it says you may find your premiums you lower due to a new kind of tax credit in the nationalplace, you may qualify for plans -- even though -- isn't available outside of marketplace, the health care law also guarantees that you can choose a new plan outside the marketplace, even if you have a preexisting condition. my point is these insurers either want to keep the people in their -- that work in their policy, or they want to tell them -- they tell them about what's available in the marketplace units if it's available. >> but they have to do that, because the grandfather part of the bill says, if you have a plan that continues on, but the law says they have to find different coverage -- >> better coverage. >> different coverage, whatever that is, for the 50-year-old woman who is writing to me, i'm not going to have any more children -- >> and i don't have a prostate, okay? >> that's fine. so for folks

blue cross blue shield california. first things first, before we talk about the state of enrollment and healthcare.gov . let's talk about people who are getting notices, letters in the mail saying their insurance plans will be dropped. who is getting it and why. >> these are people who buy their own health insurance because they don't get it through their jobs. 14 million americans do this. think buy their own coverage and 150 million people get their coverage through jobs, we're not talking about them. but we're talking about those who buy their insurance. many are getting notices that their plans are being canceled or however it's worded, and that they need to have a new plan to have coverage for next year. the surers are saying their existing policies don't include all the essential health benefits or for some reason don't meet the standards of the health law and they're discontinuing them, and they're offering other options. >> michael weinberg, what are you hearing from the insurance companies and from californians as they get these letters in the mail? >> absolutely, the first point to make is that no one should have been saying after the law was passed in 2010 if you like your health insurance plan you can keep it. that's not what is in the law. the intention was always for people to be able to keep their grandfathered policies but not necessarily the policies that they bought since the law. but about 50%-- >> i want to catch on one thing. grandfathered policies. insurance plans people had before the affordable act kicked in back in 2010. there is a difference between an insurance plan you had then versus you might have bought six months ago or in january 2013? >> exactly. if you had it in march 2010, you can keep it. if you bought it since then you can't necessarily keep it. in california it's 50/50. 50% of the people in the individual market have a truly grandfathered plan, and 50% don't. >> so the obama administration said multiple times that you can keep your insurance policy, what have they been talking about and what about this miscommunicati miscommunication. >> they were looking at the employer market. they were trying to maintain the way people were getting their existing policy. many people may like their existing policy, but they may have to change. >> if they have to change, and they're getting this letter in the mail, what option dos they have? >> they can go to healthcare.gov . they can browse, they can talk to an independent broker, they can shop around, they can buy through these new marketplaces or off the market places but they need to look and see what other options are out there for them and sign up for something. >> what aspects of these insurance plans aren't hitting the wall? why aren't they having to change their plans or getting cancellation notice. >> it may be that the actuarian levels might not be high enough. basically they're not compliant with the new system that they're setting up for health insurance. you cannot set up a new comprehensive program for health insurance and then allow everyone to opt out of it. >> i'm hearing from some people who are sending me their policies and telling me why they're being canceled. it's a range of different things. one gentleman from florida said this is being canceled. it's one of the plans being canceled, it's an unusual policy where he was only paying $50 a month. his insurer said here is another option, and it's $200 a month, and he's not happy. but the original plan did not cover hospitalization and only $50 towards a doctor's visit. in california, a popular plan, $4,000 deductible. didn't cover maternity care, and those are being revamped. it's a range of things. if it's not covering the benefits, there is a range of things. >> what feedback are you hearing from clients? >> the whole healthcare reform relies on private health insurance companies having a healthy risk pool, therefore they need to make these cancellations for those who don't have grandfathered policies. they're not happy to do it, but they're doing what they need to do to make the law work. >> when we come back we'll talk about the state of enrollment and healthcare.gov . this is "inside story." all next week america tonight investigates the campus rape crisis. >> serial rape is the norm on college campuses. >> i know that when i did report, i was blamed. >> then this friday at nine eastern, we open up the conversation in a live town-hall event. sex crimes on campus, a special week of coverage and live town-hall on america tonight nine eastern. only on al jazeera america. >> welcome become to "inside story" and our checkup of the affordable healthcare. with us is julie appleby and from california, michael weinberg, senior adviser to the bay area and member of the advisory board of cover california, the california health exchange. we've been talking about americans have been getting notice in the mail that their private insurance plans are being dropped or radically changing. julie appleby you said the next step for someone who is getting one of those letters in the mail is to go to healthcare.gov . >> so the website healthcare.gov is covering 36 states, and then the other states are doing their own exchanges and market places. the one that is handling the federal government han handlingt of the states has had the most problems. right now they're saying it's better. people are able to get on and browse without having to create an account. that was one of the problems. people couldn't create accounts, it was slowing down and freezing up. >> one of the last minute requests they had to create an account. >> now they've changed it, and they've made it so you can go on and look at costs in your area. these are estimates so they're not based on exact age. but people with go on there. they can put in basic information, their zip code, age, and get a choice of different plans and see those costs. but what consumer advocates are telling me is that people should look at what do they have now? what is the premium, and what is their deductible? how many are they responsible out of pocket over the course of the year? what is the cap on that, and how much does their current plan cost and try to finding is comparable online or talk to an insurance broker and look around that way. that's one thing to understand. these policies are going to be a little bit different but you want to know what your deductible is, your premium so you can compare. >> we're hearing from the administration they're hoping to get the website, they say they'll get the website up and running by the end of november. michael weinberg, what if they don't? what are the consequences? >> the thing to remember here this isn't like medicare. it's not like children's health insurance. we can't take ten years to make this work. if we don't get the enrollment that we need and the website is just one piece of it, but a critical piece of making sure that happens is we don't get the risk pool that we need we end up with skyrocketing rates next year. >> the risk pool, julie, tell bus the essentials. who needs to be signing up for the health insurance plan to make it work? >> well, nearly all americans are supposed to have health insurance or they might face a penalty fine. that's one thing. what the administration and other proponents are hoping for are younger healthier people had will sign up because insurance is a risk pool. spreads the risk. you want people who won't cost a lot of money to offset those who may have problems in a given year. we don't have statistics yet. there have been a few things discussed, about a third of the people were seen come together site enrolling was young people initially, but that was just one state. we're hoping that that plays out over time. a good chunk of the uninsured are young people. they really need to get, as mike has said, if they don't, that could mean higher premiums down the road. >> you both mention using the healthcare website is one way to sign up. that's one avenue. but for young people, how persistent are they going to be if they log on, can't make it work, are they going to keep coming back and keep trying. >> the good thing about young people is they're procrastinators. if you look at massachusetts' experience they saw a real surge in enrollment four, five, six months in and i imagine people are reading the papers and holding off, and maybe young folks would be procrastinating any way. >> marilyn tavennar testified today. and tomorrow we'll here from kathleen sebelius. are you hearing anything newsbreaking on capitol hill. >> today marilyn t avennar did apologize. she's the highest level so far who has actually apologized. with the secretary's tem i think we would like to know a little bit more about enrollment. we would like to know what are they doing to fix the problems. i don't know if we're going to hear that or not, but what are the specific technical things they're doing. we heard last week that they hope to have the you whole thing running smoothly by the end of november. is that still on track? that kind of thing. we may or may not hear about that tomorrow. >> michael weinberg how close are you watching these hearings. >> i'm focused on reality. people can spin this all day long. democrats, republicans, but at the end of the day either people will be able to get enrolled, will have a healthy risk pool, or rewon't. i'll read the stories about it, but i'm out here trying to make things work in california, where incidentally they are going a lot better. >> tell what's is happening in california? >> well, we do have a website. we do have some issues that could be categorized appropriately as glitches. it's taken us a little while to get our provider director working the way we want it to. in the first calm of weeks we did have difficulty getting people enrolled. we're where we need to be. everybody has been pulling together as a team, insurers, consumer advocates, the navigators, the state agencies. that's what makes california very different from most of the rest of the nation. >> how important is california, to the bigger picture to get the affordable care act up and running. >> i'm a little biased. i think it's tremendous important. but 15% of the uninsured are in california. some of those folks are undocumented, but we do have a very, very large number of people here, and if we can't make it work in california with everybody pulling together, we can't make it work anywhere. i think we're showing how health reform can work, but we will miles to go before we sleep. >> are there other key states who are running their own exchanges or have pushed the responsibility on to the federal government. >> california has one of the higher rates of uninsurance in the country. it's not the highest but one of them. they have a lot of potential there for people to enroll. other states that people are watching closely are in texas, they have a really high rate of uninsured there. some the other southern states. new york will be interesting to watch because their website is apparently running. people are signing up. they have 37,000 enrolled already, they said. kentucky's website appears to be working pretty well, and they've got a number of people enrolled. connecticut, district of columbia, they said their website are running. on the flip side. hawai'i couldn't get theirs launched until october 15th. oregon you still cannot sign up online. not all the states where this do theithey dotheir own exchanges d running smoothly. >> we'll pause there. more on the affordable care act, what's working, what's not. this is "inside story." what happens when social media uncovers unheard, fascinating news stories? >> they share it on the stream. >> social media isn't an after-thought, it drives discussion across america. >> al jazeera america's social media community, on tv and online. >> this is your outlet for those conversations. >> post, upload and interact. >> every night share undiscovered stories. >> welcome book "inside story." we're talking about the affordable care act. now we want to focus a bit on the future. still with us is julie appleby, around from sacramento, california, michael weinberg. micah, as we talked about the bottom line, to make this new law work, it's not young americans but healthy americans need to sign up. what is the difference between young and healthy, what is the significant? >> right now we're seeing a lot of people who are persisting in getting enrolled, particularly in california are people who may be young, they may be old, but they desperately need health insurance. it's wonderful that we're getting them this conscience that they haven't had in the past. but the problem is if we only have unhealthy people we don't have the risk pool that we need, the rates go through the roof, and so on. >> and julie appleby, the people who are on insurance plans, people who are getting notices in the mail that they're about to be dropped, they're not necessarily getting the best health insurance already. three-quarters of medical bankruptcies that happen are people who do have health insurance, just not adequate health insurance. where do they look to next? >> a lot of folks who are losing their policies, they may have a policies that has a huge deductible, maybe a $10,000 a year deductible. for some folks that's fine. but some folks if they get sick they can't meet those deductibles. the new policies some of them have hefty deductibles as well. the cap now, the most that these new policies can charge you between a deductible and things like copayments and doctors office payments, and hospital care is $12,700 for family. that sounds like a lot, and it is, but nearly a third of the plans sold have an out o out oft amount, and they have companies. >> for those who where subsidies for purchasing insurance, a whole lot of them will get a significant reduction in their cost sharing. 50% of post, they have significant help from the federal government with their out of pocket costs as well. >> we talked about the crucial deadlines set up by the obama administration, also members of congress who are watch to go hit some key markets, but julie, what are you watching by goals that have to be met by a certain time frame. >> there are a number of different dates. december 15th is important. the website needs to be running well by then because people need to sign up by december 15th. that's important date. obviously. i think, you know, the next important date may well be the end of march. that's when open enrollment closes. that's when you have until to sign up and not face a penalty. then we'll have a better idea of who signed up, who hasn't, and how things are working. we're hearing from a lot of politicians that they would like to extend that open enrollment deadline. if we don't see improvements in the website by the end of the year i think those calls are going to get stronger and stronger. i think those are key dates. mid december and let's see how things are running, and what are the totals that we see in march. but ultimately that's just the first year. so i think a lot of folks are hanging on this number, o they estimated that 7. million people play sign up for coverage in the first year. that he injures the first year. we'll have to see what happens down the line. >> what does failure look like? >> i mean, i think that failure is something that everybody on every side of the political spectrum should be worried about. what people don't remember, i think, when they argue against this law is that they were vital reasons why we passed it, and there is no back to go to. we can't just wipe this away and go back to the system that we once had. the system we once had is broken. people rooting for the plane to crash in the mountain should remember that they're in this plane. so i think it's really important that people do what we've done in california, which is whatever it is that you might think about the law, pull together as a team and try to pull together a better healthcare system for the united states. >> you're a member of kaiser permanente blue cross, blue shield california. >> they have been very engaged in helping set up this law. you know, what they and other insurance companies have said is it's actually not as simple as just, well, let's extend the open enrollment period. well, let's just take away the individual mandate. the open enrollment needs to be what it is, and the individual mandate needs to be stronger than it is and make sure we have everybody in the pool so when we set rates next year we don't have this ridiculous amount of rate shock. the politicians calling for these periods to be extended need to be careful about the implications of that. but that said if people can't enroll in health insurance it's difficult to require them to do so. >> one member of the house has said let's extend this grandfather period. if you bought health insurance by january 2013 could you get your flanagan fathered in, you wouldn't need to find a new one if you have individual private insurance. >> that means the way the law is no

but the actual plan on blue cross/blue shield of north carolina's web site is $634-- more than a 50% increase. the difference? blue cross/blue shield requests your birthday before providing more accurate prices. today, white house press secretary jay carney said the administration was not trying to mislead consumers. >> we're just trying to provide basic information in an easily accessible way. >> reporter: but chini krishna, whose company helped design california's new health care exchange web site says that's not how shop-and-browse should work. california's web site requires people to enter their birth dates to get a real price quote. >> i think it's something that could get fixed very quickly and i have no doubt that it will get fixed quickly. >> reporter: krishnan said it's not that complicated to write a computer program asking for consumer's birth dates. and, scott, when asked about that today jay carney did leave the door open suggesting a change certainly is possible as software engineers continue to rework that site. >> pelley: jan, thanks very much. the white house has said that the web site crashed bec

most of it was blue cross blue shield. i carry blue cross blue shield insurance when i was a government employee. when i wasn't a government employee after i left the white house back in '77, i paid the whole tab myself. then when i think that covered me basically up through my time in the white house. i believe then when i came out of my service as vice president, then medicare kicked in for me and i carried blue cross blue shield as a supplement. >> so is this basically anyone with insurance could have had this same experience in terms of benefiting from technology? >> yes. >> incredible. last question for you. just because we have been talking about death so much. and you have escaped it narrowly several times as you write about in this fascinating book co-written with your doctor. what do you want them to say about you when you're gone? >> well, i recently had an experience in wyoming, we have a thing out there called the one shot sponsored by folks that has been going on for seven years and the tribe there on the reservation, and

cross/blue shield of north carolina's website costs $360. the difference? bluelotte looking for the same basic plan would get a price estimate on the government website of $394. the actual price is $634. an hhs spokeswoman said it added the shop and browse feature to provide estimates of premiums without tax credits. for "cbs this morning" jan crawford, washington. >>> critics say kathleen sebelius should resign over the trouble with the obamacare site. she said last night she has no plans to quit. >> i think my job is to get this fully implemented and to get the website working right. and that's really what i'm focused on. i work at the pleasure of the president. he is singularly focused on making sure we deliver on this promise. >> sebelius also said that they did not hear of any problems with healthcare.gov before it went online. >> howard buffet already has a big job, he's using his father's money to fight world hunger. he's the author of a new book called forty chances: finding hope in the world." we sat down with father and son to discuss what warren buffe

h listen i had blue cross & blue shield, before i was in congress, while in congress, it wasn't gold plated look they say. i have blues one of the lucky ones. how about the 30 million americans that dent hatch ion't. you saw people, through the millions. all over the country, enter the exchange and have health insurance and not precluded because they have >>> good evening, from new york, >>> good evening, from new york, i'm chris hayes, and just a short while ago the president met with the top four congressional leaders at the white house where he urged the house to pass a clean continuing resolution. in the last hour, house speaker john boehner said he would not bring a clean cr to the floor, while senate majorle

listen i had blue cross & blue shield, before i was in congress, while in congress, it wasn't gold platednow. i was one of the lucky ones. how about the 30 million americans that don't have it. you saw people, through the millions. all over the country, enter the exchange and have health insurance and not precluded

listen i had blue cross & blue shield, before i was in congress, while in congress, it wasn't gold platednow. i was one of the lucky ones. how about the 30 million americans that don't have it. you saw people, through the millions. all over the country, enter the exchange and have health insurance and not precluded >>> will boehner budge? let's play "hardball." >>> good evening. i'm chris matthews in new york. let me start tonight with this. it's interesting that the more this government shut down hurts and is seen hurting, the more you see john boehner out there on the media skillet the less you see of ted cruz. this is a pathetic example of a politician who's never gotten a positive piece of legislation passed but spends his time sabotaging government.

blue cross/blue shield in st. louis. the hospital, b jc, a big health system here, all the best hospitals, the cancer center, they're not now able to go to those hospitals because they're not in the obama care exchanges. so people who are getting cancer treatment in the city of st. louis, they don't have access to a cancer center. it is absolutely true. this is the city in which i live. >> one of the first -- >> it's absolutely true. it's not in the exchange. >> have you been to the website? one of the first questions is, do you want to keep -- >> i heard a spokesman who had a press conference and stated it. >> you have a computer. you can go on, right? healthcare.gov. the first question -- >> go look at what the bbc spokesman said. are you calling him a liar. >> go on the website. >> i can't even log onto the web sy. it doesn't work. go on a website that doesn't work. is that why less than 55,000 people actually enrolled? >> they can't get on. that's the problem. they can't get on. >> i got on yesterday. just log on right now. go ahead. all the viewers out there, log on right now. >> we've logged on three times on the air and we can't get in. three times. cbs news tried it this morning, they couldn't get on. >> i've tried it for a week. the bottom line is that in st. louis, bjc isn't participating. >> it works perfectly. i'm not going to sit here and say that nobody should be held accountable, but what i will say is if you have cancer and you want to go to a cancer facility, you can now get insurance and before you couldn't because it was a preexisting condition. >> you can't in st. louis. if you have bluelue shield, you can't. >> you need to look at the reality and forget the talking points, because it's the reality -- >> the reality is the talking points. i was on the website yesterday. >> you're apparently the only guy that got through. congratulations, you're in. >> he gets paid to say that. >> coming up next, bill cunningham and our lively student panel. they're going to grade the president's handling of the recent crisis in d.c., and that's not all. the return of frank lund's focus group. they're not happy with their elected representatives, and they'll tell us why. and tcoming up later -- >> within a decade, i had prisons overflowing, i had judges promoting pornography. soon i could evict god from the courthouse, then from the schoolhouse, then from the houses of congress. houses of congress. >> the legendary paul harvey's if you've got it, you know how hard it can be to breathe and man, you know how that feels. copd includes emphysema and chronic bronchitis. spiriva is a once-da

you have got a blue cross blue shield plan the two major health systems in the region. the choices are limited there. whenever choices are limited unless the entities focus on what is most important you have a possibility of cost escalating. it depends market by market. in our state, we have two examples that could not be further apart. >> economists see something in practice and ask if they -- if it can work in theory. there is something real here. we are seeing the health systems coming together. suddenly, they are increasing their negotiating leverage with purchasers. there is a lot more consultative questions about -- more complicated questions about how do we know if that is worth that. we cannot have those conversations without transparency. the other question is if they save money, where does it go? back to the purchaser, to the patient, to the community? or is it just benefiting the same players? there are a lot more questions to ask. the risk is very real. we need to understand that epidemics -- the dynamics fully. >> you cannot get the benefits without more in

blue cross blue shield of north carolina is ending their policy. the new one to meet the criteria is $1,000. >> greg, an architect said he expected an increase but not nearly that much. >> out of the blue. after all this waiting, to get a letter saying the premium was going to almost double is quite a shock. >> the message coming out of the white house. >> if you like your doctor, you will be able to keep your doctor, period. if you like your healthcare plan you will be able to keep your healthcare plan, period. >> reporter: while the vast majority of people are covered through work and have plans that are largely uneffected roughly 15 million americans are like greg and anita and purchase health insurance on their own. in an estimated 58% of those policies are not compatible with the new health law whic, which provides comprehensive coverage which cost more. many are receiving letters cross the country that inform them that their premium has been adjusted or discontinued. >> it was a punch in the stomach. >> reporter: in nortespecially l areas where fewer insurers competing can spell higher prices for consumer. newer regulations under the law can drive up costs. the new law requires n

blue cross, blue shield, we have been dealing with this all day long. >> he's not alone. nearly 15 million americans who get coverage through individual plans may see their policies changed or canceled because they fall short of obama care requirements. they can buy new insurance under the healthcare law and apply for subsidies. >> did the president mislead american people when he made that comment repeatedly? >> the white house press secretary tried to make the case it's not obama care taking away those individual plans, it's the insurance companies. >> what is absolutely true is if you had a plan before the affordable care act that you liked on the individual market and your insurance company didn't take that away from you and offer something else you purchased, but they provided you the same plan this whole time, you can keep it and that's true. >> cbs news has confirmed 279,000 californians are getting notices that their current policies are no longer adequate under the new law and will be canceled. nationwide, about 2 million people will be forced to shop for a new plan. >>> he's not called the people's pope for nothing. watch as this little boy named carlos jumps on the stage and walks right up to the pope to give him a big hug. yeah. rubs his head there, continues speaking to thousands of families. carlos makes the most of it, waving to the crowd before sitting in the pope's chair while pope francis spoke. >>> a brazen bear out foxes california wildlife rangers and no one knows where it went. >> i'm kit doe and i should be flee feet of water, but, the creek mysteriously dried up almost overnight. we have that story coming up. >>> what the heck is she going to do with that place? >> and yahoo boss makes an erie purchase just in time for halloween. >>> head's up, it's going to be a very cold night. coldest night since easter, we have a frost advisory in effect for parts of the north bay. find out how chilly we will get and when we will warm up. that's coming up next. ,,,,,,,,,,,, more than a foot altogether hopefully a sign of a great season to come. the sun is : more snow in the sierra today. more than a foot all together. hopefully a sign of a great season to come. the snow is expected tomorrow just in time for trick or treaters. >> a dust storm contributed to this deadly 19 vehicle pileup. at least three people died. a dozen more injured on interstate 10 an hour south of phoenix. authorities say strong winds, low visibility from the dust helped cause a chain reaction accident shortly after noon. six big rigs were involved. >>> and a good chunk of south bay creek is completely dry. >> a spot only a sad sight for neighbors is wiping out the fish population. kit doe shows us what it's going to take to get steven's creek flowing again. >>> hike down into steven's creek and you'll see it doesn't look like much of a creek at all. >> as of last friday, we had no creek. >> he lived next to the creek for 19 years, last week he was shocked to see this. dead after a 3/4 mile stretch dried out. it's a threatened species and there were probably 100 carcasses mixed in with other fish and craw dads. it's been a seafood bananza for the birds and raccoons. >> this turns into a raccoon buffet? >> yeah. very shortly, if again, it dries out any further. >> and it happened suddenly, there's water in this photo taken october 19 and this is what it looks like nine days later. the water district has been releasing water into the creek from local reservoirs, but just vanishing. >> it's been a dry year. we had been keeping the water going to fremont avenue and expected the water would continue to flow there. so it's a little -- we don't know right now exactly what caused it. >> hiked the creek bed and found 29 dried out pools and says if nothing is done remaining pools could be lost. >> i don't consider myself an emotional person, but after getting into that hike the other day, it was pretty sobering, it was sad. >> the water district will be cracking open a valve a mile and a half up the creek. that water will come from the delta and take time for the fish to repopulate this area. that happens tomorrow. in sunny vail, kpix5. >> the water district has asked two pumping sites up stream to cut back while they investigate. >> yahoo's ceo just bought palo alto's oldest funeral home. a strange purchase for someone like her, but here's why. the 1.16-acre property is a block away from meyer's addison avenue home. the sources tell the mountain view voice that meyer bought the place but they won't say how much she paid. neighbors are not impressed. >> what the heck is she going to do with that place? not something i'd like in my inventory. >> she could buy a compound and not disturb her neighbors. >> facebook's mark zuckerberg bought up properties in his neighborhood. >> and speaking of facebook, if you've been by the company's space latsly, you may have noticed something different. troubling news for those who enjoy a little wine. there's a shortage. morgan stanley research says global production dropped by more than 5% last year creating an under supply of 300 million cases a year. mostly because of bad weather in the grape growing regions of france and argentina. america produces 8% of the world's wine. >>> police officers swarmed a southern california neighborhood, tried to catch a furry fugitive. it was a black bear. check it out. bear was running on a golf course this morning. then darted across the street, up an embankment, jumped over a fence into somebody's yard. for hours, the bear terrified neighbors and out foxed game wardens. >> he's huge. one of the biggest black bears i have seen. i used to do a bear rescue committee, and he looks scared. >> tag on that bear makes it clear he has been around before. the bear climbed up a tree where it was tranquilized, but it got away again. it was sound asleep 5:30 this afternoon, not clear when it will be released back into the wild. >> took it a while for it to kick in. >> grinata hills is a little wild. >> an ounce of celebrity. >> it's going to be chilly tonight. >> chilly outside right now. >> it already is chilly. it will get worse, if you will, over the next several hours. plan on the chilliest morning since easter, a live look outside. golden gate is clear. fog won't be an issue, but the temperature will, especially if you're out and about early. it will be a two-dog night. 40 degrees. santa rosa, 37. 42 in san rafael. 42 for fremont. 42 for liver more and the 40s for mountain view and san jose. by the time the kids are out trick or treating, the weather will be milder. it should be a mainly clear and chilly evening. i remember sunset on halloween is 6:12. let's talk about what is going on. big area of low pressure that gave us the wind on sunday, gave us sierra snowfall on monday and now today, we had some clouds in the morning, but clear out efficiently. we'll keep that northerly influence. that flow coming down from canada tomorrow. as we transition away from high pressure or low pressure and toward high pressure, it will be a chilly day tomorrow, but sunshine from start to finish. a cold start, a brisk afternoon, but mainly sunny skies throughout the day. then on thursday, halloween, and for the several days thereafter, it's about high pressure. it's sinking air giving us lots of sunshine. it will be milder and staying in the 70s for three days and that will get here on sunday. sunny but chilly tomorrow. and the next front will get here on sunday. highs tomorrow pretty brisk. livermore, five degrees below normal. coupetycupertino65. vallejo 66. richmond 64. sanoma67. and lake port despite all the sunshine. back to the 70s on thursday. first day of november, mild, sunny. saturday will also be sunny and mild, then we have the next front moving through. but it will be cooler and cloudier, but not a drop of rain. that's your forecast. we will be bright. right back. ,,,,,,,,,,,,,,,,,, the solution may be as simpl >>> still struggling to pull together that halloween costume? >> a solution may be as simple as reaching for your smart phone. just go to digital duds, buy a shirt, and down load the free app to animate it. you can choose um imagines of roving eyeballs, beating hearts, and other creepy stuff. each shirt has a little hidden pocket to secure your phones. >> i get it. you can down load another app called masketeer. hold your ipad up to your face and press toe, instant costume. we'll be right back. ,,,,,,,,,,,,,,,, wheel was invent : warriors tip off their nba season tomorrow at home versus the lakers. for the first time since the wheel was invented, they have higher expectations. >> everybody has a chance to win a championship tomorrow. >> not so fast, at home versus the clippers, close game until the fourth when the lakers go on an 18-6 run. coast to coast to lakers won this game with all starters on the bench in the fourth quarter. check out these, the warriors to win the title, 22-1. the lakers 50-1. unheard of. of course, the heat are favored at 9-5. king james and company got their championship rings hosting the bulls at home. we are the champions, you hear that? lebron james spins for the layup. he had 17-6 on the night. heat picks up where they left off. they win 107-95. >> we saw a lot of that last year. >> that is a huge fish. >> williams became the first woman to have the winning catch in cabo san lucas' black and blue marlon tournament. won $400,000. >> unbelievable. >> see you in 30 minutes. ,,,,,,,,,,,,,, [ will ] on my right is the new dodge durango. she's got it all. including 25 em-puh-guh's highway. what? em-pe-juh, muhpuhguh? muh-puh-guh's? muh -- em-puh-guh's? em-pee-gee's? 25 em-pe-guh, em-puh-guh's. i'm saying it right, but it just doesn't sound familiar. hmm. ♪ whoa! (sneezes) homer: hmm? our first anniversary. and we're more in love than ever. in your face, people who said it wouldn't last a year!

blue cross blue shield of michigan ppo. aisle extremely happy with it. i've been battling cancer for six years. my premiums are high, but bluehas taken excellent care of me. as well as my university michigan doctors. i got this letter three weeks ago saying my insurance was being discontinued or canceled as of december 31st. i'm currently receiving chemotherapy, iv infusions about every three weeks which is an improvement. as of may, i was receiving them every week for almost two years. and i'm devastated. my premiums are absolutely skyrocketing. and -- >> i just want to say, godspeed on the cancer battle. that's very important. >> thank you. >> before we go back into this technical stuff. what will happen now? i assume you have options, you're going to switch plans. if that happens, let me just ask you, what about your oncologist? what about your doctors? do you lose all that? >> i'm hoping i will not. i'm currently be university of michigan. when i last got my chemo, i talked with my doctor about it. i told him for the first time instead of living day-by-day, i'm looking ahead. i have to choose between a bronze, gold or si

cross and blue shield, one of the gentleman mentioned from washington, florida last week, we got $300,000 notice from blue cross, blue shield, it seems it's concentrated on the small business person, someone a sole propriety or or individual contractors? i think the individuals getting the notices tend to be small business or individually insured. but i'm not aware of realtors or any one group. >> you said you lost in the last three years rates have moderated. they've been going up 20, 25% in my district in the last three years on average, got them down somewhat and made some adjustments, the other point i wanted to mention, i think you said, trying to quote what you said, you thought the system is working. did you say that? you thought the aca is working. >> i think we've seen a lot of improvements from the aca, yes, sir. >> let me tell you, it's a public relations nightmare. i hope you honestly don't feel the system is working. this is just an incredibly bad rollout. there's a lot that needs to be done. i can't imagine how you can think that the system is working. my concern is frankly with such bad exp

>> guess what it means, you don't have to pay blue cross blue shield $16,000 a year anymore.s bernie sanders wants to raise your taxes yes your taxes will go up but you don't have to pay the ten, 12, 14, $16,000 a year to the insurance company. >> i get stuck on the guy, on the second term in the senate you know the one you're in the one socialist on capitol hill. >> but i also know that joie i happen to live in where i live in burlington, vermont one hour from the canadian border. they don't look any different they don't act any different. they've been operating under their health care system for 30 years. they like their system more than we like our system and we end up pace twieg as much and our health care options are not as good. does that make sense to you? i don't think that makes sense to people. people are going to be frightened by that idea and they are so dumb that they can't figure out that it's a good thing not to pay 16,000 for a private insurance company and to pay $10,000 more in taxes they can't figure that out? i don't believe that. >> i'm not going to dispa

some help with questions about the affordable care act as a free eve and co-sponsored by blue cross blue shielde be covered illinois care fair also distributed free flu shots and held health screenings and healthy food giveaways. last tuesday state and federal websites began enrollment for the new insurance exchanges. while there have been glitches with some of the web sites offering coverage to people here received information about the new insurance opportunities. close to 2 million people in illinois do not have health insurance >> a major wildfire is now threatening a large california military base. next, evacuations at camp pendleton. and it doesn't seem like it could be possible- a 9 year old sneaks past the t- s-a and hops a flight to vegas. break we don't have time for stuff like laundry. we're too busy having fun. we get everything perfectly clean by tossing one of these in the wash. and that's it. i wanted to do that. oh, come on. eh, that's my favorite part. really? that's our tide. what's yours? are you flo? yes. is this the thing you gave my husband? well, yeah, yes. the "name your

blue cross/blue shield informing her that as of january 14st she'll be losing hr plan. >> what i have right now i'm happy with. i just want to know why i can't keep what i have. why do i have to be forced into something else? >> now, it's important to point out diane is eligible for some subsidies. he she can't find out what the subsidies are because she can't get on the website. it's something kathleen sebelius will be asked on capitol hill when she testifies on wednesday. >>> superstorm sandy became one of the deadliest and most destructive storms. among the hardest hit areas, breezy point, new york. sandy triggered a massive fire that swept across the area. terrell brown is in the area. good morning. >> reporter: good morning, norah. as you mentioned, this is the neighborhood that burnt to the ground. now, everything you see here behind me is brand new. some homeowners, at least those that can. others still don't have a home 12 months after the storm. nearly a year ago these are some of the storm's first images after the aftermath. calling a superstorm when it made land fall. floodwaters destroyed homes and bhep that seawall hit electrical wires, areas laid to waste. some 650,000 homes were destroyed and 8.5 million oncustomers were without power. as for the total cost, the low end estimate sits at $50 billion. >> by and large we were not prepared except for emergency measures. meaning there were recreation plans in place. >> years later, thousands attempted ro rebuild. >> reporter: he had no dbt he'd return after sandy tore through his home. >> if wi were this height prior to sandy, our house wouldn't have have been affected. it will sit 14 fight above. >> it's going make this house stronger and more resep tense. but he says it doesn't matter how high. all they can do is move away from a relentless ocean. federal aid is still trickling in. senator charles schumer says more than a billion of that will go directly to homeowners. charlie and norah. >> thank you. tomorrow on "cbs this morning" we'll talk with new jersey governor chris christie about his hard hit state one year. a let two are dead. both were killed by tree and and, he goirs wimts. this morning he too to fears dead? on monday it clapd. it's closing roads, stopping trains, and forcing flights to be canceled. >> the rock pioneer lou reed died from a liver implant fail dwrur. >> good morning, everyone. for decades after, other artists have followed his lead. as the leader of the velvet undergrounds who rule-break self-titled album was co-produced by pop icon andy warhol. he blurred the line between pop dharlly read in t . >> i get enormous pleasure from that. >> after breaking away from the velvet underground for a solo ka here, he had profound influence on others from david bowie to rem to talking heads. his biggest hit "walk on the wild side" peeked at number 16 on the billboard chartling. when is never baffected by a trend and something you could read 20 year later. >> on a one on bun bay sus i thought my music was based on headphones. >> one on one, simple words kreerks yating deep emotions. >> yeah. pure grace. >> well said. >> i like with the oh bib area said. they said influence and sales were almost comically misaligned. what was said many years egg if the first album sold to 31,000, every one would start a band. >> i saw it and loved it. obviously we did a series of interviews. there was an evolution. he became as someone said a cultural elder. he was for me what was a pleasure to run into in new york city. >> a distinctly character. >>> time to look at the headlines around the globe. it is part of plan to eliminate the stockpiles by the middle of next year. no details very being released. >>> "usa today" says the conrad murray is release. it was releasesed overnight. murray was cover victoried in the 2011. his medical licences are suspended or revoked in three states. >>> the "los angeles times" says china is poised to surpass u.s. . >>> a rapper and businessman jay-z fires back at critics after major department store is accused of racial profiling. >> this is really about jay-z's influence over a coveted consumer, and that is why we see him at the center of this storm. >> how the music mogul is defending his deal with barney. >>> mcdonald's sends its message in a ketchup bottle. why they're ending their 40-year partnership with heinz. >>> should you wait to book your flights? we'll ask travel editor peter greenberg. the news is next on "cbs this morning." stay tuned for your local news. 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[ woman ] finally, clearer skin for more than a few days, weeks, or months. enbrel works for me. ask your dermatologist if you can have clearer skin with enbrel. ask your dermatologist if you can have clearer skin ♪ ♪ this week at kmart, get 50% off costumes. and, shop your way members get an additional 10% back in points. plus, fun size candy is 2 for $5. kmart. get in. get more halloween. gun without a background check.. ithe dangerously mentally ill. criminals. endangering our families. ken cuccinelli opposed closing the gun show loophole - against comprehensive background checks at gun shows for criminals and the dangerously mentally ill. siding with the nra and undermining law enforcement. no wonder the washington post calls cuccinelli polarizing, provocative and partisan. cuccinelli. too extreme for virginia independence usa pac sponsored this ad. >>> ohio state paid tribute to superstars this weekend. look at this. the band pour trayed a gigantic hungry t-rex from jurassic park. >> welcome to "cbs this morning." this half hour the battle of fast food giants spills over to ketchup. we'll show wow why change in a boardroom is causing mcdonald's to give up. >>> travel editor peter greenberg said many of the hidden bargains are going away. there are still some deals and peter's got them for you. that's ahead. >>> this week jay-z is standing by barneys. the store is accused of engaging in racial profiling against its customers. don dahler is with us. good morning. >> good morning. with an estimated net worth of $475 mull jay-z is the epitome of the rap mogul. his empire spans music, sports, restaurants, and nation. he announced a partnership with barneys in september and now that's coming under intense scrutiny. jay-z's ties to new york city were cited by barneys when they chose time to create an exclusive selection of luxury goods. high end bags, jewelry, coats, and scarves, just some of the limited edition items barneys will sell under jay-z's name, but last week two separate customers accused the store of racial profiling. they said earlier this year after paying for their items, barneys sent undercover police officers to stop them on the street and check the validity of their debit cards. >> they made me feel so low like i didn't deserve to shop there. >> some fans now want jay-z to pull the plug on his deal. >> jay-z is considered the gate keeper urban culture and urban consumers. this is really about jay-z's influnsz of a coveted consumer and that is why we see him at the center of the storm. >> the store offered its apologies saying it has zero tolerance for any kind of discrimination. it added that a civil rights expert would lead a thundershower row review of our practices and procedures. jay-z said he was make nothing money from the collection, that sales would benefit his scholarship foundation. for now he's staining by barneys. if i make snap judgments no matter who it's towards, aren't i committing the same sin as somebody who profiled? >> i truly emphasize with anyone who has been put in that position. derek who has start and online petition things jay-z needs to go more. >> reporter: it's going away it's not going away. i'm one of his biggest fans. >> there's a complicating factor here. jay-z's collection say it's to raise money for foundation which provides college scholarships and barneys isn't the only one. over the weekend civil charges were rads by macies against two of its african-american customers. macy's also sells jay-z's sporting line. >>> mcdonalds is parting ways with heinz ketchup. >> reporter: the two go together literally like fries and ketchup. on friday, mcdonald's, the world's largest restaurant chain announced we will no longer be squeezing hines ketchup in in of its 34,000 stores. this came after heinz hired burger kings former ceo. over the years he oversaw major changes. in a statement, the illinois-based company said as a result of recent management changes at heinz, we've decided to transition our business to other suppliers over time. >> it appears to be that heese has been brought in. he's the former ceo of burger king and therefore he feels the 40-year relationship can continue. there are a lot of other place they can get ketchup. >> the rest of the country is served an in-house brand called fancy ketchup but globally where heinz is more widely available, it's a different story. >> for heinz the problem is going to be they got most of their market in the emerging world. how does this impact them internationally. >> reporter: like getting ketchup from a bottle, the relationship of mcdonald's and heinz has slowly spilled out. when a thin tomato crop meant it was unable to keep up with demand, mcdonald's went elsewhere. now as mcdonald's continues to expand to the far reaches of the globe, heinz will no longer be along for the read. for "cbs this morning" dean reynolds. >> there might be something more to that story. >>> saudi arabia is the only country in the world not allowing women to drive. some women are taking the road less traveled. >> reporter: in one of the most conservative nations in the world, this is an act of defiance. on saturday these saudi arabian women posted online videos of themselves behind the wheel rebelling a law that forbids them from driving. saudi arabia warned they would arrest them if caught and use force if necessary, but that didn't happen. but many police discouraged them from taking apartment. >> this woman was arrested by saudi arabia police in 2011. she told us she also lost her job as a result and has received abuse and threats. >> you always have to be prepared when you speak up against the status quo to pay the price. >> reporter: saudi arabia is heavily segregate and women have few leelg rights. they're not allowed to work or travel overseas without having relatives. many islamists oppose it. >> we hear that the king and other members of the royal family support women's rights. why don't they just challenge the rules when it comes to driving. >> let me be very clear there's a divide toward government. you find people pushing for more empowerment to women and others that say no. >> reporter: on the street opinion is also divided. this m.a.s.h. man said he's against women drivers. what if they geld a flat tire, what would they do? but other saudi men are showing support, giving a thumbs-up to women who are taking to the open road. >> this is an important change i see happening in saudi arabia. they dierch this protest before. there was a bit of a more m moderate reaction. >>> our next story, travel editor peter greenberg shows us why prices are soaring. >>> plus ways to save this. that's ahead on "cbs this morning." 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[announcer:] revlon super lustrous lipstick. mega moisturizing formula in 82 stay true colors. >>> a new poll now shows that 58% of americans think marijuana should be legal. that's 58% who are home and happy to answer a phone call during the middle of the day. >>> "wall street journal" reports thanksgiving flights in the u.s. and the caribbean cost more than 9% from last year and christmas week is up 7%. travel editor peter greenberg is with us from las vegas. good morning, peter. >> good morning. >> why are they so much higher? >> in the past they factored it into things they couldn't control like fuel. this year they can control it. that have shrunk ka passpy. you have planes full. they're flying at about 85% hold factors. that's about essentially full and the plains haven't flown this full since 1945. >> is this likely to continue so that this is not a spike but a trend? >> it is. airlines are no longer fighting for traffic they didn't want in the first place. they're looking for high yield travelers. >> so, peter, what are some of the destinations that are most affected? >> if you look at this chart it's pretty severe. tampa, 15%. washds, almost all of south florida, chicago, knox, phoenix, they're all taking a hit with very high prices. >> so should i book now frp hoft hold travel and wait to get cheap because the rates are going to go down? >> rates are not going to go down. for example, if you want to fly the witness before thanksgiving, remember, they made a movie about that called "trains, planes, and automobiles" with john candy and steesh martin. don't fly back on sunday. you'll pay higher rates again. fly on saturday when everybody's at the mall. the only way to find bargains is to change when you want to travel. >> exactly. the week after thanksgiving is considered the deadweek. nobody owns the airlines. same after new year's. >> unfortunately, peter, my family is having thanksgiving on thanksgiving. >> okay. let me walk you through that. if you want to travel on thanksgiving, traffic on thanksgiving day and come back on friday or saturday. you will save money. >> it seems there was an opportunity to make a lot of money even though the load factor is pretty high by offering an attractive deal to an attractive place going at the right time. >> exactly. and you know what? the attractive places are in year. they don't know. they still have to fly those planes because of bilateral >>> dr. ruth westheimer became famous in america for her work as a sex therapist. but first she had to escape from europe leaving everything else behind. she tells her story in a note to self ahead on "cbs this morning." ask me what it's like to get your best night's sleep every night. 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[ male announcer ] enbrel may lower your ability to fight infections. serious, sometimes fatal events including infections, tuberculosis, lymphoma, other cancers, nervous system and blood disorders, and allergic reactions have occurred. before starting enbrel, your doctor should test you for tuberculosis and discuss whether you've been to a region where certain fungal infections are common. you should not start enbrel if you have an infection like the flu. tell your doctor if you're prone to infections, have cuts or sores, have had hepatitis b, have been treated for heart failure, or if you have symptoms such as persistent fever, bruising, bleeding, or paleness. since enbrel helped relieve my joint pain, it's the little things that mean the most. ask your rheumatologist if enbrel is right for you. [ doctor ] enbrel, the number one biologic medicine prescribed by rheumatologists. [ male announcer ] may your lights always be green. 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[ female announcer ] just about anywhere you use sugar, you can use splenda® no calorie sweetener. splenda® lets you experience the joy of sugar without all the calories. think sugar, say splenda™ with an ultra-thin coating and fast absorbing advil ion core™ technology, it stops pain before it gets worse. nothing works faster. new fast acting advil. look for it in the white box. just to tell you our products get the job done. instead, we give you $7.00 off disney's planes when you join scott shared values. ♪ sign up at scottbrand.com [ chicken caws ] [ male announcer ] when your favorite food starts a fight, fight back fast with tums. heartburn relief that neutralizes acid on contact and goes to work in seconds. ♪ tum, tum tum tum tums! heartburn relief that neutralizes acid on contact >>> it's 8:00 a.m. welcome back to "cbs this morning." the government's health care insurance site goes down again and more americans who are insured are dealing with changes they never expected. >>> a stunning find is made inside an italian castle, a mural made by leonardo da vinci hidden for years. >>> and dr. ruth westheimer. she delivers a note to herself. but first your "eye opener" at 8:00. >> there's outrage and disgust with the surveillance. >> they're pretty clear on that. >> so the united states is spying on 35 world leaders, and the president of the united states doesn't know anything about it? >> a management expert brought in to turn around the website says this is fixable, but that's going to take weeks, not days. >> some homeowners, but others still don't have a home 12 months after the storm. >> jay-z is the epitome of a rap mogul. he's a partner roy barneys and that's under intense scrutiny. >> there are a lot of other places that they can get ketchup. >>> lou reed took rock 'n' roll in a new direction in the '60s and '70s and for decades afterward others have followed his lead. >> he's a distinctly unique new york character. >> the week after thanksgiving is traditionally the dead week. you can own the airlines. >> unfortunately, peter, though, my family is having thanksgiving dinner on thanksgiving. >> announcer: this morning's eye oerp at 8:00 is presented by benefiber. >> they've hit another road block. an online hub that checks personal application information crashed yesterday. >> they say it will be fixed as soon as possible and the list of obama care complaints is still growing this morning. jab crawford is in washington with the latest. good morning. >> good morning, charlie, norah, gayle. it's not just a broken website. some americans now are being booted off their current plans and they're surprised at how much they're being asked to pay for new ones. for many, their introduction to the affordable care act has been negative. a broken website and now cancellations notices from insurance companies followed by sticker shock over higher prices for the new plans. it's directly at odds with repeated assurances from the pretty. >> if you like your insurance plan, you will keep it. no one will be able to take that away from you. >> but people across the country are finding out they're losing their existing insurance plans under obama care. that's because it means their old plans aren't comprehensive enough. in california, kaiser perm anyone tate terminated policies for 360,000 people. in florida at least 300,000 people are losing coverage. >> when i got this bill, i was outraged. >> last month she received a letter from bluer as of january 2014 she would lose her current plan. she pays $54 a month. the new plan she's being offered would run $591 a month, ten times more than what she current employ pays. >> what i have right now is what i'm happy with and i just want to know why i can't keep what i have. why do i have to be forced into something else? >> now, it's important to point out according to healthcare.gov she's eligible for some subsidies. she can't find out what it is because lo and behold she can't log onto the website. it's a question i'm sheer kathleen sebelius will be asked about when she testifies on capitol hill on wednesday. >> jan crawford, thank you. president obama did not know that nsa was monitoring up to 35 foreign leaders. they metering with congressional leaders today. they want guarantees of no more american surveillance. >> american officials who survived last year's deadly attack in benghazi, libya, tells cbs they knew for months the assault was coming. lara logan spent a full y

they were with blue cross blue shield of north carol, caresource, and health care service corporation. by wednesday afternoons enrollments were up to approximately 100. by the end of wednesday, the notes reflect 248 enrollments nationwide. the health care exchanges need to average 39,000 enrollees a day to meet the goal of 7 million by march 1. the war room notes give a glimpse into some of the reasons customers had problems. direct enrollment, signing up directly on an insurer's web site, is not work for any issuers. experian credit reporting is creating confuse. issuer phone numbers are not appearing correctly on the pay now page. the notes leave no doubt the enrollment figures, which the administration has chosen to keep secret, are available. statistics coming in say notes from the very first meet, the morning of october 2, contractor q.s.s.i. has a daily dash board create the every night. head of crsmed m.s., marilyn tavenner, wouldn't disclose the figures, when dave camp asked earlier this week. >> how do you not know how many people have enrolled? >> chairman camp, we will have

cross/blue shield of north carolina's website cost 3/ $360. the difference, blueold from charlotte would get the same basic plan on the government's website of $394. the actual price is $634. an hhs spokeswoman said it added the shop and browse feature to provide estimates of premiums would without traction credits. >> they say sebelius should resign over it. sebelius said last night she has no plans to quit. >> i think my job is to get it fully implemented and get the website working right. that's what i'm focused on. i'm working at the pleasure of the president. he's making sure we deliver on this promise. >> sebelius told us that president obama did not hear of any problems until it went online. >>> howard buffett has a big jochblt he's using his father's money to fight world hunger. he has a new book "40 chances." we sat down with father and son to discuss what warren buffett calls intelligent philanthropy. >> "40 chances:finding hope in a hungry world." what's the title? >> the title really is about how we have 40 productive years to achieve our biggest goal,

blue cross blue shield -- i'm sorry? you want me to read them all? okay. mark, the ceo of aetna. bruce, the cr amana. chet of care first, patrick garrity of blue cross blue shield of florida. jay of health net incorporated. patricia hemingway president and ceo of health care services corporation, daniel jay president and ceo independence blue cross. karen ignagni i hope i pronounced that right, probably not, president and ceo of american health insurance plans, michael needork chairman and ceo, james roosevelt of tufts health plan, scott, ceo blue cross blue shield association, joseph swedish, ceo wellpoint and brard tyson of kaiser permanente day and as i said that top the discussion will focus on implementation and enrollment. it will focus on the efforts to fix the technical issues that have been identified with healthcare.gov. and one of those issues has to do with making sure that insurers are getting accurate information, the virtual marketplace from individuals so that they can then provide them with the coverage individuals are signing up to get. so obviously these are very important players in this process and dennis and others look f

the white house referred us to an executive from blue cross/blue shield of florida.d c.e.o. said his company has seen tremendous interest but it does need to see improvement in the numbers to reach its enroll. goal of 75,000 people. his expectation is the process gets better everyday. however, e-mails we have seen written by insurance executives describe enrollment numbers as "ugly." one said politicians and others have "their heads in the sand." >> this program doesn't work if we don't get the healthy people to sign up to get enough premium into the program to work. it's not going to work for insurance companies and it's certainly not going to work for the obama administration. >> reporter: well, for many of these plans, consumers don't need to pay premiums until the end of the year. the administration says that allows people to switch plans and that could skew the numbers. scott, most of the people we spoke to say it's still early in this process. >> pelley: anna werner, thanks very much. as saigon was falling, an american businessman risked his life to rescue his

blue cross blue shield of north carolina. his cost is $111 per month. he received a letter from blue cross saying his current policy is being canceled due to the affordable care act, obamacare. david's new cost is going to be $288 per month. he works hard and does not take handouts from government. how is obamacare helping people like him? end quote. jeffrey from boonville told me his story too. quote, i went on to blue cross blue shield's website this morning. if i buy health insurance this morning the cost will be $266 a month but come the first of the year the same plan will be $566. how is this affordable? i have not checked yet to see if i can get a subsidy. even if i was eligible one, it's not the responsibility of other americans to subsidize my family's health insurance, end quote. susan from knoxville wrote to me said, quote, i had affordable health care. i paid blue cross blue shield $181 a month. now they said if i keep this insurance it will now be $464 per month. this insane. obamacare is affordable for who? please, who can i contact to have some kind of inurns fluence?

blue cross/blue shield informing her that as of january 14st she'll be losing hr plan. >> what i have right now i'm happy with. i just want to know why i can't keep what i have. why do i have to be forced into something else? >> now, it's important to point out diane is eligible for some subsidies. he she can't find out what the subsidies are because she can't get on the website. it's something kathleen sebelius will be asked on capitol hill when she testifies on wednesday. >>> superstorm sandy became one of the deadliest and most destructive storms. among the hardest hit areas, breezy point, new least those that can. others still don't have a home 12 months after the storm. nearly a year ago these are some of the storm's first images after the aftermath. calling a superstorm when it made land fall. floodwaters destroyed homes and bhep that seawall hit electrical wires, areas laid to waste. some 650,000 homes were destroyed and 8.5 million oncustomers were without power. as for the total cost, the low end estimate sits at $50 billion. >> by and large we were not prepared except for emergency measures. meaning there were recreation plans in place. >> years later, thousands attempted ro rebuild. >> reporter: he had no doubt he'd return after sandy tore through his home. >> if wi were this height prior to sandy, our house wouldn't have have been affected. it will sit 14 fight above. >> it's going make this house stronger and more resep tense. but he says it doesn't matter how high go directly to homeowners. charlie and norah. >> thank you. tomorrow on "cbs this morning" we'll talk with new jersey governor chris christie about his hard hit state onday it clapd. it's closing roads, stopping trains, and forcing flights to be canceled. >> the rock pioneer lou reed died from a liver implant fail dwrur. >> good morning, everyone. for decades after, other artists have followed his lead. as the leader of the velvet undergrounds who rule-break self-titled album was co-produced by pop icon andy warhol. he blurred the line between pop dharlly read in t . >> i get enormous pleasure from that. >> after breaking away from the velvet underground for a solo ka here, he had profound influence on others from david bowie to rem to talking heads. his biggest hit "walk on the wild side" peeked at number 16 on the billboard chartling. when is never baffected by a trend and something you could read 20 year later. >> on a one on bun bay sus i thought my music was based on headphones. >> one on one, simple words kreerks yating deep emotions. >> yeah. pure grace. >> well said. >> i like with the oh bib area said. they said influence and sales were almost comically misaligned. what was said many years egg if the first album sold to 31,000, every one would start a band. >> i saw it and loved it. obviously we did a series of interviews. there was an evolution. he became as someone said a cultural elder. he was for me what was a pleasure to run into in new york city. >> a distinctly character. >>> time to look at the headlines around the globe. it is part of plan to eliminate the stockpiles by the middle of next year. no details very being released. >>> "usa today" says the conrad murray is release. it was releasesed overnight. murray was cover victoried in the 2011. his medical licences are suspended or revoked in three states. >>> the "los angeles times" says china is poised to surpass u.s., . >>> good morning. our winds are dying down. our doppler still busy picking up a few popup showers and some light rain still falling over the santa cruz mountains. later today 50s to low 60s for the highs. definitely below normal for this time of year. staying cool through tomorrow with a slight warm-up by the end of the work woke. we'll ask travel editor peter greenberg. the news is next on "cbs this morning." stay tuned for your local news. 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[ woman ] finally, clearer skin for more than a few days, weeks, or months. enbrel works for me. ask your dermatologist if you can have clearer skin with enbrel. ask your dermatologist if you can have clearer skin ♪ ♪ this week at kmart, get 50% off costumes. and, shop your way members get an additional 10% back in points. plus, fun size candy is 2 for $5. kmart. get in. get more halloween. driver was behind the wh . >>> it's 7:26. san jose police believe a drunk driver was behind the wheel of a car that strawk killed a woman on the city's west side. it happened about 2:30 a.m. near hamilton place. the female driver was arrested on suspicion of driving under the influence and vehicular manslaughter. the car also hit a garage door. >>> strong winds caused problems in parts of northern california late last night and early this morning. the winds were especially bad on the pass. there were six overturned big rigs on i-580. strong winds also push add travel trailer into a ditch. no one was seriously hurt. traffic and w in a moment. ,,,,,, ,, . >>> good morning. it's going to be a slow drive for 680 in the southbound direction leaving concord. that stays heavy beyond the walnut creek interchange through the san ramon valley. 101 in the northbound direction has been very slow leaving san jose. it's had heavy from the 286-80 interchange, slow into mountain view. >>> our wents are starting to calm down. still some breezy conditions along the coast. doppler still very active picking up a few light scattered showers over the santa cruz mountains and the 101 through parts of gilroy and morgan hill. it could be a wet morning commute in those spots. temperatures on the cool side, upper 30s to low 50s. warmer by the end of the work week. ,, ,,,,,,,, causing mcdonald's to give up. >>> travel editor peter greenb engaging in racial profiling against its customers. don dahler is with us. good morning. >> good morning. with an estimated net worth of $475 mull jay-z is the epitome of the rap mogul. his empire spans music, sports, restaurants, and nation. he announced a partnership with barneys in september and now that's coming under intense scrutiny. jay-z's ties to new york city were cited by barneys when they chose time to create an exclusive selection of luxury goods. high end bags, jewelry, coats, and scarves, just some of the limited edition items barneys will sell under jay-z's name, but last week two separate customers accused the store of racial profiling. they said earlier this year after paying for their items, barneys sent undercover police officers to stop them on the street and check the validity of their debit cards. >> they made me feel so low like i didn't deserve to shop there. >> some fans now want jay-z to pull the plug on his deal. >> jay-z is considered the gate keeper urban culture and urban consumers. this is really about jay-z's influnsz of a coveted consumer and that is why we see him at the center of the storm. >> the store offered its apologies saying it has zero tolerance for any kind of discrimination. it added that a civil rights expert would lead a thundershower row review of our practices and procedures. jay-z said he was make nothing money from the collection, that sales would benefit his scholarship foundation. for now he's staining by barneys. if i make snap judgments no matter who it's towards, aren't i committing the same sin as somebody who profiled? >> i truly emphasize with anyone who has been put in that position. derek who has start and online petition things jay-z needs to go more. >> reporter: it's going away it's not going away. i'm one of his biggest fans. >> there's a complicating factor here. jay-z's collection say it's to raise money for foundation which provides college scholarships and barneys isn't the only one. over the weekend civil charges were rads by macies against two of its african-american customers. macy's also sells jay-z's sporting line. >>> mcdonalds is parting ways with heinz ketchup. >> reporter: the two go together literally like fries and ketchup. on friday, mcdonald's, the world's largest restaurant chain announced we will no longer be squeezing hines ketchup in in of its 34,000 stores. this came after heinz hired burger kings former ceo. over the years he oversaw major changes. in a statement, the illinois-based company said as a result of recent management changes at heinz, we've decided to transition our business to other suppliers over time. >> it appears to be that heese has been brought in. he's the former ceo of burger king and therefore he feels the 40-year relationship can continue. there are a lot of other place they can get ketchup. >> the rest of the country is served an in-house brand called fancy ketchup but globally where heinz is more widely available, it's a different story. >> for heinz the problem is going to be they got most of their market in the emerging world. how does this impact them internationally. >> reporter: like getting ketchup from a bottle, the relationship of mcdonald's and heinz has slowly spilled out. when a thin tomato crop meant it was unable to keep up with demand, mcdonald's went elsewhere. now as mcdonald's continues to expand to the far reaches of the globe, heinz will no longer be along for the read. for "cbs this morning" dean reynolds. >> there might be something more to that story. >>> saudi arabia is the only country in the world not allowing women to drive. some women are taking the road less traveled. >> reporter: in one of the most conservative nations in the world, this is an act of defiance. on saturday these saudi arabian women posted online videos of themselves behind the wheel rebelling a law that forbids them from driving. saudi arabia warned they would arrest them if caught and use force if necessary, but that didn't happen. but many police discouraged them from taking apartment. >> this woman was arrested by saudi arabia police in 2011. she told us she also lost her job as a result and has received abuse and threats. >> you always have to be prepared when you speak up against the status quo to pay the price. >> reporter: saudi arabia is heavily segregate and women have few leelg rights. they're not allowed to work or travel overseas without having relatives. many islamists oppose it. >> we hear that the king and other members of the royal family support women's rights. why don't they just challenge the rules when it comes to driving. >> let me be very clear there's a divide toward government. you find people pushing for more empowerment to women and others that say no. >> reporter: on the street opinion is also divided. this m.a.s.h. man said he's against women drivers. what if they geld a flat tire, what would they do? but other saudi men are showing support, giving a thumbs-up to women who are taking to the open road. >> this is an important change i see happening in saudi arabia. they dierch this protest before. there was a bit of a more m moderate reaction. >>> our . that's ahead on "cbs this morning." 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[ male announcer ] get u-verse tv for just $19 a month for two years with qualifying bundles. rethink possible. >>> a new poll now shows that 58% of americans think marijuana should be legal. that's 58% who are home and happy to answer a phone call during the middle of the day. >>> "wall street journal" reports thanksgiving flights in the u.s. and the caribbean cost more than 9% from last year and christmas week is up 7%. travel editor peter greenberg is with us from las vegas. good morning, peter. >> good morning. >> why are they so much higher? >> in the past they factored it into things they couldn't control like fuel. this year they can control it. that have shrunk ka passpy. you have planes full. they're flying at about 85% hold factors. that's about essentially full and the plains haven't flown this full since 1945. >> is this likely to continue so that this is not a spike but a trend? >> it is. airlines are no longer fighting for traffic they didn't want in the first place. they're looking for high yield travelers. >> so, peter, what are some of the destinations that are most affected? >> if you look at this chart it's pretty severe. tampa, 15%. washds, almost all of south florida, chicago, knox, phoenix, they're all taking a hit with very high prices. >> so should i book now frp hoft hold travel and wait to get cheap because the rates are going to go down? >> rates are not going to go down. for example, if you want to fly the witness before thanksgiving, remember, they made a movie about that called "trains, planes, and automobiles" with john candy and steesh martin. don't fly back on sunday. you'll pay higher rates again. fly on saturday when everybody's at the mall. the only way to find bargains is to change when you want to travel. >> exactly. the week after thanksgiving is considered the deadweek. nobody owns the airlines. same after new year's. >> unfortunately, peter, my family is having thanksgiving on thanksgiving. >> okay. let me walk you through that. if you want to travel on thanksgiving, traffic on thanksgiving day and come back on friday or saturday. you will save money. >> it seems there was an opportunity to make a lot of money even though the load factor is pretty high by offering an attractive deal to an attractive place going at the right time. >> exactly. and you know what? the attractive places are in year. they don't know. they still have to fly those planes because of bilateral >> good morning. >>> our wind overnight are dying down, but our kpix 5 high def doppler picking up pop-up showers and rain falling over the santa cruz mountains. checking the numbers, by later today, 50s to low 60s for this afternoon's highs and definitely below normal for this time of year. staying cool through tomorrow with a slight warmup by the end of the work week. >>> dr. ruth westheimer became famous in america for her work as a sex therapist. but first she had to escape from europe leaving everything else behind. she tells her story in a note to self ahead on "cbs this morning." ask me what it's like to get your best night's sleep every night. 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[ female announcer ] just about anywhere you use sugar, you can use splenda® no calorie sweetener. splenda® lets you experience the joy of sugar without all the calories. think sugar, say splenda™ with an ultra-thin coating and fast absorbing advil ion core™ technology, it stops pain before it gets worse. nothing works faster. new fast acting advil. look for it in the white box. just to tell you our products get the job done. instead, we give you $7.00 off disney's planes when you join scott shared values. ♪ sign up at scottbrand.com [ chicken caws ] [ male announcer ] when your favorite food starts a fight, fight back fast with tums. heartburn relief that neutralizes acid on contact and goes to work in seconds. ♪ tum, tum tum tum tums! >> announcer: this is a kpix 5 news morning update. >> good morning, everyone. it's 7:56. i'm michelle griego. >>> a family is cleaning up after a tree crashed into their bedroom. high winds knocked the tree into the home. a father was on the bed and jumped out of the way as the branch came through the ceiling. he had several scratches on his back but is going to be okay. >>> strong winds wreaked havoc across the bay area and beyond overnight. the gust knocked over a half dozen big rigs on interstate 580 near tracy. no one was seriously hurt. stay with us. traffic and weather in just a moment. e. we have over fifty products that work off volt battery. plus, ryobi offers more value and selection than anyone. and now, there's new lithium and lithium plus, our most powerful and longest lasting batteries ever. so you can knock out that to-do list, all before kick off. ryobi one plus. the one system that delivers more. available at only one place, the home depot. now, pick up a special buy lithium-ion drill kit for just $79. >> good morning, everybody. >>> delays on caltrain. this is just in the southbound direction, up to ten-minute delays because of earlier problems. northbound seems to be doing okay. no delays reported for the b.a.r.t. system but as you head for 680, that's been very crowded. southbound traffic slow coming off the venicia bridge and walnut creek over to 24 and bay bridge toll plaza, metering lights and traffic booked from the foot of the maze. that's traffic. here's liz. >> thank you, lisa. >>> partly cloudy and cool with a beautiful sunrise over mount vaca so dry skies here but checking high-def doppler, a few scattered pop-up shower in the santa cruz mountains and 101 through san jose, morgan hill. heads up. we're seeing scattered showers that will continue throughout the afternoon. temperatures out the door -- 39 degrees in santa rosa, low 50s in oakland and vallejo, cool again tomorrow with a warmup by the end of the work week. ♪ >>> it is 8:00 a.m. in the west. welcome back to "cbs this morning." the government's health insurance website goes down again, and more americans who are insured say they're dealing with changes they never expected. a stunning find made inside an italian castle, a mural by leonardo da vinci hidden for more than 500 years. and sex therapist dr. ruth westheimer had to give up everything as a child. she gives advice to that 10-year-old this morning in a note to self, a remarkable story of her life. but first here's a look at today's "eye opener" at 8:00. >>> european nations are disgusted as the scope and scale of these u.s. surveillance tactics. >> the nsa told me the president was never briefed in 2010 on intercepts so they're pretty clear on that. >> so the united states is spying on 35 world leaders and the president of the united states doesn't know anything about it? >>> a man hired to turn around the website says it's fixable but it will take weeks, not days. >> those residents that can rebuild are, but some still don't have a home 12 months after the storm. >> jay z is the epitome of the rap mogul. he announced his partnership with barney's in september. and now that's coming under intense scrutiny. >>> the world's biggest fast-food chain is ending a 40-year partnership with heinz. >> there are a lot of other places that they can get ketchup. >> lou reed took rock 'n' roll in a new direction back in the 1960s and 1970s and for decades after other artists have followed his lead. >> he was to me what made it a pleasure to live in new york city to run into people like lou reed. >> distinct lly unique new york character. >> one more thing you have to understand -- >> unfortunately, my family is having thanksgiving dinner on thanksgiving. >> this morning's "eye opener" at 8:00 is presented by benefiber. >> i'm charlie rose with gayle king and norah o'donnell. americans trying to sign up for insurance on healthcare.gov are hitting another obstacle. >> the contractor in charge says it will be fixed as soon as possible and the website aside, the list of obama care complaints is still growing this morning. jan crawford is in washington with the latest. jan, good morning. >> reporter: good morning, gayle, norah, charlie. administration is saying the website is going to be working by the end of next month. that of course two months after it was launched. but it's not just a broken website. some americans now are being booted off their current plans and they're surprised at how much they're being asked to pay for new ones. for many, their introduction to the affordable care act has been negative -- a broken website and now cancellation notices from insurance companies followed by sticker shock over higher prices for the new plans. it's directly at odds with repeated assurances from the president. >> if you like your insurance plan, you will keep it. no one will be able to take that away from you. >> reporter: but people across the country are finding out they're losing their existing insurance plans under obama care. that's because requirements in the law, like prenatal and prescription drug coverage, mean their old plans aren't comprehensive enough. in california, kaiser permanente terminated policies for 160,000 people. in florida, at least 300,000 people are losing coverage. >> when i got this bill, i was outraged. >> reporter: that includes 56-year-old diane burret. last month she received a letter from blues of january 2014 she would lose her current plan. she paid $54 a month. the new plan she's being offered would run $591 a month, ten times more than what she currently pays. >> what i have right now is what i'm happy with, and i just want to know why i can't keep what i have. why do i have to be forced into something else? >> reporter: now, it's important to point out according to healthcare.gov, diane is eligible for some subsidies, but she told us, and this is not a surprise, that she has no idea what they'd be because lo and behold she can't logon to that website, an issue that hhs secretary kathleen sebelius is sure to be asked about when she testifies on capitol hill wednesday. >> jan, thank you. obama administration officials say this morning the president did not know until this sum they're the national security agency was reportedly monitoring up to 35 foreign leaders. european union officials are in washington to meet with white house aides and congressional leaders today. th

all it's just the fact that somebody again by its health insurance coverage from or from blue cross blue shield or somewhere else and it's a managed by those companies they just have to get it that's all and in fact i think this is good for the economy because it actually gives a more you know. more basically. you know it provides a more competitive industry where you know being in new york i was paying you know one thousand dollars a month and other places i pay less and i mean it's no one's managing my health care other than these companies and it certainly isn't the government and i just have the opportunity to buy it from private industry and let me go back to allan here in washington well you know it still gets back to obama it seems to me in this is he's a lightning rod for the right here why does he have to keep battling things that were already accomplished in his first term i don't understand that. it's it really is hard to understand and the american people don't understand it twenty four percent of the american people approve of what the republicans are doing in congress right now th

healthcare.gov she would pay $231 a month but the actual plan on blue cross/blue shield of north carolina's website cost 3/ $360. the difference blue same basic plan on the government's website of $394. the actual price is $634. an hhs spokeswoman said it added the shop and browse feature to provide estimates of premiums would without traction credits. >> they say sebelius should resign over it. sebelius said last night she has no plans to quit. >> i think my job is to get it fully implemented and get the website working right. that's what i'm focused on. i'm working at the pleasure of the president. he's making sure we deliver on this promise. >> sebelius told us that president obama did not hear of any problems until it went online. >>> howard buffett has a big jochblt he's using his father's money to fight world hunger. he has a new book "40 chances." we sat down with father and son to discuss what warren buffett calls intelligent philanthropy. >> "40 chances:finding hope in a hungry world." what's the title? >> the title really is about how we have 40 productive years to achieve our biggest goal legacy, or whatever it is we wan

blue cross blue shield, that's their number.rday touting kentucky and flocking to the online sign-up. but kentucky's not on the federal plan, are they? didn't they go ahead and set up their own plan statewide? >> no. and that's why they supposedly did so well because they set up their own web site, they really promoted, they got out there and told people about it, so people knew to sign up. therefore, they got 3,000 enrollees, and that is the very best performance across the country. bill: okay. now, you're saying -- new york had ten million hits, i thought, right? what was it? >> they had ten million people sign on, but they think they had a denial of service attack because, let's face it, there's only 20 million people shivving in the state -- living in the state of new york, so the idea that half the folks got online is hard to believe. and in reality, last night the new york state officials came out and said it was only 44,000 people. bill: okay, got it. byron, on tuesday morning they said there would be sticker shock becaus

in north carolina, blue cross blue shield said they were able to find out one person.hat is it? gerri: kentucky managed to do the best job. they are being so quiet about this. last night we called and try to get numbers. they would not answer the questions. they are not talking. it is radio silence at health and human services. we will be watching this for days now. so many people have questions about this. we will answer them with a bunch of, there is the phone number right there, we will answer it with a whole panel of experts. call us in the 6:00 o'clock hour. adam: that is a great idea. a lot of people are just plain confused. lori: when do the fines kick in? the clock is ticking. thank you, gerri. see you tonight. "the willis report" right here on fox business. there is a number. flashing it for you once again. call gerri and asked her what her favorite bottle of wine is, too. [laughter] adam: okay. let's celebrate. we are getting the latest numbers on how u.s. citizens actually feel about all of this. 54%, the majority of voters would like to see all or part of t

blue cross, blue shield. all plans must be compliant with the new health care law. therefore blue cross blue shield health insurance plan that you currently have now will no longer be available after december 31st, your premiums will go from $474 to $865, effective january 1 and nearly 100% increase. she writes to me, do not understand how my current policy can legally be canceled since i'm already doing what i'm supposed to do. what am i supposed to say to miss york in jacksonville, illinois? >> first thing i would do is encourage her to go talk to the website or go to the call center and see what's available -- >> wait a minute. she is told by the president, the whitehouse.gov website says if you have health insurance that you like, you will be able to keep it. she has health insurance that she likes and she's been paying her premium, wants to keep it. but she can't. isn't that a lie? >> you know, there's always been the issue where issuers have the ability to stop offering a policy -- >> this is not the issuers wanting to stop to offer policy. the issuer saying we're being mand

in terms of my personal health care right now myself and my family are covered by blue cross-blue shield plan of texas which is available to any federal worker in texas. i pay $433 a month and my employer i.e. the people of the united states pay a little over $900 a month so the total plan is 13 or $1400 a month and i'm paying $433. the taxpayers are paying a little over $900. if i lose that in january as a member of congress i am mandated to go into the public exchange and the district of columbia in the small business exchange which right now doesn't exist and i don't know if there will be any options at all. i can't participate in any plan in texas. i have to participate in the plan in the district of columbia and one of the things that has been controversial is will there be any kind of premium support in and the office of personnel management did rule back in july that there could be. there have been a number of proposals in congress to eliminate that premium support and that is a question that i guess you would have to say is still outstanding. but as someone who has been covered i

blue cross blue shield and emblem that the termination from the medicare advantage plans. this is happening in many states across the country, and new york state, it is happening to many, many physicians and their patients. gerri: to you have a sense of how many of getting the boot? >> most companies won't tell us exactly how many doctors are involved. united told us that about 2,000 doctors from the downstate region are being terminated with about 8,000 patients involved in the downstate areas. gerri: people have got to be nervous and on edge. what is the impact of the marketplace? >> it is significant because a lot of patients depend on their doctors. they need continuity of care. some of the patients actually get the notice before the doctors got the notice, so they called up the doctor and there was confusion. it is very disturbing to patients. some of them are very fragile. in a disservice and necker tends to be deleterious to their health. otherwise it is just a big inconvenience to have to find a new doctor. they have to transport them. gerri: i am aware that obamacare is not working to build up medicare advantage. just the opposite. is that is what is going on? >> that is the excuse that one of the insurance company to less. 8 percent reduction in reimbursement for the medicare advantage plans. i have seen other figures, anywhere from one to 5% reduction. they tell you this is part of what they're going to cut costs. it does not really makes sense because you would think that an adequate network would be important. gerri: apparently it is not. we learn something new every day with obamacare. now, are you one of these doctors? >> i am not affected personally. gerri: but you know people who are, presumably. >> i do. gerri: how will the care be made of? >> the patient will have to find another physician in the network or they may have to switch to a different medicare advantage plan. gerri: are you getting complaints from consumers, patients who are upset with what is going out? >> yes, many complaints. people want their doctor to appeal. a lot of people are upset. gerri: thank you for coming on. it really is a great job you did explaining. we appreciate your time. gerri: now we want to know what you think. our question. are you worried about losing your doctor? log on to gerriwillis.com, vote on the right inside of the screen and we will share the results of the end of the show. readjust getting started. more to come this hour including one man's personal struggle with the obamacare. the white house putting out its minor league team uu for tomorrow's major the event. a preview from the head of the house committees set told kathleen sibelius' attack. congressman fred upton coming back next. ♪ when we made our commitment to the gulf, bp had two big goals: help the gulf recover and learn from what happened so we could be a better, safer energy company. i can tell you - safety is at the heart of everything we do. we've added cutting-edge technology, like a new deepwater well cap and a state-of-the-art monitoring center, whe experts watch over all drilling activity twenty-four-seven. and we're sharing what we've lrned, so we can all produce energy more safely. our commitment has never been stronger. at od, whatever business you're in, that's the business we're in. with premium service like one of the best on-time delivery records and a low claims ratio, we do whatever it takes to make your business our business. od. helping the world keep promises. gerri: calls are mounting for heads to roll over the botched obamacare exchanges, and "the willis report" is live from dc tomorrow as health and human services secretary testifies in public under oath for the very first time. joining me now, republican congressman fred upton of michigan to the drilling of this debacle tomorrow. welcome back to the show. tommy what you are expecting from the secretary tomorrow morning? >> we have a lot of questions. we sat down with republican members this afternoon and went through with people will ask. we're all concerned about the cost. they spent three years trying to develop the site, hundreds of millions of dollars. i don't know if you knew this, but it went down again today, yesterday, over the weekend. it is not ready for prime time. gerri: it went down today? >> it went down today. we just got a notice from cms p it went down an hour ago. so somehow they have to put this together. you remember that this is not -- we are not johnny come lately. we have been after this for awhile. the 13th hearing that we have had over the last year or so. and they assured us, look to us in the eye, it will be ready to run. they never even tested it end to end until only a week or two prior to the deadline. it failed then. meanwhile, that is the easy step. a tougher issue is going to be what happens when those providers or patients go to see their provider. the hospital, doctor. will they be larger in? gerri: and the story breaking all over the place for the last 24 hours that millions of americans are being told that insurance policy that you have right now is being cancelled. this was a promise that obamacare was so long. when a province complained about the law democrats said it is the law of the land. stand back because you're in the minority. it seems that if the law was solemn allied complaining about it makes all the sense in the world. >> that's right. millions, i'm not kidding, millions of people are being told that there insurance plan is being cancelled. i introduced legislation yesterday. we will charge to put it on the fast track. more than 50 co-sponsors of ready. h.r. 5330. if you have a private insurance plan earlier this year, january, you can keep it to each you don't have to give it up. you will not be fined if it is cancelled did we are hearing from folks his premiums have gone up. they somehow figured out how to get through the maze. and in it is going to be as much as of 400% increase in premium. thousands of dollars in additional costs that they have to pay. it is not right. we are going to try to offer the choice. gerri: the administration says people will pay less, not more, paying $50 per month for this news coverage. does that square with what you know of what people are facing when they are able to sign up? >> some people may pay less. that is for sure, but we did a study of it this summer that in 45 states the average will be higher than what they're paying now. why not let them have the choice if they want to keep their health plan, they can keep it. if they can buy something that is better for them as their health needs change or whatever the factor is, let them decide what it ought to be, not the government telling them what they have to do. gerri: here is the of the promise. we just had a guest on moments ago talking about thousands of doctors in the state of new york that will be fired from medicare advantage. people of losing there doctors. if you remember, there was a promise that you could keep your doctor. basso in new york in many states across the country. what should be done about that? that seems to be in a sense of promise. >> you are exactly right. that was one of the promises. i am sure a number of members will talk about that tomorrow. this bill is not ready for primetime. that is what we have been trying to say. the stakes in time to see if we cannot fix it to allow people to have the choices that they need to have. you know, how many people actually signing of for this? have heard in some states it is pretty small. yet more people of being told that there will lose their insurance than actually have been able to sign non. the other question that we will be asking is the security of the information if the individual logsdon. even today the works for breaking a story about how it is pretty easy to hack. gerri: i looked at her testimony. it is already on line. you can read it. nowhere in here can i find the number of people enrolled. she is not going to tell you tomorrow. >> she will get passed, i can assure you that. last week the contractors to testified in essence set we are not going to tell you that hhs can if they decide to do so. we will be asking that question tomorrow. gerri: it is a pleasure seeing you. i will see you tomorrow because we will be in dc, for your hearing. thank you for joining us. >> thank you. thank you very much. gerri: coming up tomorrow, as i said, live from washington. the house firing squad. this will be a showdown that you will not want to mess. so you have to watch for that. later in the show, with nearly all americans have to say about obamacare. i am joined by one man who is in the struggle firsthand after numerous attempts, failed attempts to get obamacare. stay with us. ♪ peace of mind is important when you're running a successful business. so we provide it services you can rely on. with centurylink as your trusted it partner, you'll experience reliable uptime for the network and services you depend on. multi-layered security solutions keep your information safe, and secure. and responsive dedicated support meets your needs, and eases your mind. centurylink. your link to what's next. see who does good work and compare costs. it doesn't usually work that way with health care. but with unitedhealthcare, i get information on quality rated doctors, treatment options and estimates for how much i'll pay. that helps me, and my guys, make better decisions. i don't like guesses with my business, and definitely not with our health. innovations that work for you. that's health in numbers. unitedhealthcare. 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[ ngine revs ] and you find yourself in exactly the right place at the right time. just be sure you're in the right car when it happens. the 2014 c-class sports sedan. power, performance and style in total alignment. see your authorized mercedes-benz dealer for exceptional offers through mercedes-benz financial services. ♪ gerri: from the glitch you website, the sky high premiums, obamacare has been a nightmare for the average consumer. tonight, one man's experience navigating these boxed exchanges joining me now to my david. thank you for coming on the show. tell us -- we were talking of a break. you were informing me of how you win on that very first day. >> i went up there the first day obviously all it was was error messages. gerri: that is what they excel at. how long did you spend on the website that day? >> probably about two or three hours is trying to navigate, seeing what is there, and getting no place fast. gerri: you went back later. when did you decide to go back to the website? >> after we can have later. maybe after the 12th i went back. after everything i had read and heard on tv, you have to register if you want. all your information. prices, my own health care plan website. they still could not find out. things would cost about 50 percent more, if not double. i mean we're talking $602,000. gerri: is that your monthly premium? >> about 600. it read it is up matter if it was a bronze, silver, or gold. gerri: is it affordable? >> no. and after all this i went to the cat litter and found out i was eligible for medicaid. gerri: will you do that? >> why not. gerri: exactly. or you able to enroll in medicaid? >> the next part of the story. i get any message saying that there are automatically taken the healthcare.gov and forwarding to the state because medicated may age is state jen, not federally run. so i had a number, registration number. so wait three days away ten days. waited a couple of days and called. i finally got the number of the state. i talked to this nuys and lydia the state level and asked her what i should do, every register or trust the government. she says, don't just as. [laughter] gerri: so a state employee says you cannot trust the website. is that right? is that why you did? >> that is a set to what i did. forty-five days to see what happens in the state level. gerri: to you feel like you are caught in something that is bigger than you are or do you feel like you are being manipulated by the system? it has got to be. >> you listen to shows like yours, but on the president, do this, that, and then picking on a guy. i'm not picking on anybody. it's the truth. gerri: you just want coverage. >> yes. i am still. i still need health care. what is the truth here? that is all i want. gerri: you can still earn about a doctor. at or near retirement age, very worried about their doctor. are you concerned? >> yes. before i register i found out in new jersey you have a choice of four major health care firms that you can register with them and you have to do it when you sign up. you have to register with blueamerica care. there are two other ones. so i called my doctor's office to find out which one he takes. i don't know what the coverages. i went to their website, no affirmation. call them up. gerri: how frustrated were you? >> totally. that is when your office called me and i said yes. gerri: thank you for helping us out because people understand what an audio this is when you need coverage in you want it and want to pay for it. >> totally frustrating. gerri: thank you for being with us. any time. gerri: coming of next, not sure about how obamacare works? you are not alone. the results of a new survey coming after the break. ♪ the american dream is of a better future, a confident retirement. those dreams, there's just no way we're going to let them die. ♪ like they helped millions of others. by listening. planning. working one on one. that's what ameriprise financial does. that's what they can do with you. that's how ameriprise puts more within reach. ♪ that's how ameriprise puts more w

blue cross blue shield as a roving 71 person. >> that is unbelievable. >> emphasizing.ri: exactly. some other states that we're talking about, then me tell you a lesson of the numbers we found that just ain't right. in california they have 5 million people signed up. the l.a. times revealing for the first time it's more like 645,000. how do you make that kind of mistake? >> only six under some of thousand that visited. we don't know of any signed up. we don't know. ♪ million people visited the site. usable. and ultimately do you think a lot of people will buy obamacare insurance? >> they can add more processing power. there are a lot of glitches. the question of whether people watching and roll is a different story. the sickles of mineral, the yen might not. we will probably get more data at the end of next march. it's a big question. gerri: the cost is high. is cheaper just to pay the fine of $95 in 2014. instead of going in paying something like $3.30 a month for coverage cut years so we saw this week, error messages, some of the sites, the data that people and put it