a co-pie as opposed to the 15 percent the united health care pays after medicare pays that's the $6 amount when they look at their evidence of coverage their see the actual flat co-pay. >> okay. >> so that would be like $57. >> correct. >> like $20 at kaiser for an office visit. >> correct. >> too good to be true usually is too good to be true. >> the next slide is the consideration that have been talked about earlier in the presentation there are a number of advantages to group medicare advantage plan there's pa number of advantages inform a coordination plan and the flexibility is more in terms of the benefit design and the medicare side we have to comply with the c.m.s. regulations there's that impact but because we're able to provide equality benefits there are savings i want to mention work the members will receive one set of communication for the plan one package of dmungsz for medical as well as 0 that pharmacy one id card things of that nature definitely things to keep in mind as you look at different options there are a couple of slides at the end that talk about the retire

of course the rush could pay as much as -- the rich could pay as much as europeans pay, but what's theigh. young entrepreneurs leave. worse, big european government encouraged europeans to be dependent on government and that's left them neither rich nor happy. and now some of their governments are broke, and they can't pay the pension and health benefits they promised. when government takes your money and tries to create equality, most everyone becomes poorer and less free. as government grows, individual liberty shrinks. that's not fair. opportunity is much more important than equality and, fortunately, there is still opportunity in america despite our high taxes bureaucracy and government-run schools. most americans are not trapped in poverty. researchers at harvard and berkeley found 64% of kids born to the poorest fifth of families rose to a higher income group. 11% moved all the way from the bottom fifth to the top. the rich ant guaranteed -- aren't guaranteed their place at the top, 66% of those born to the richest of families fell from that group and 8% fell all the way to the b

>> no, we're paying for it directly. this is the only form of human trafficking where the taxpayer directly pays the human trafficker. >> so fluor and dyncorp know that you're supplying to ecolog? >> when we reached out to fluor, the company said it holds subcontractors in afghanistan to a quote 'zero tolerance policy regarding trafficking in persons.' ecolog told us it's against company policy for any employee to pay a recruitment fee. and that all of its policies are fully aligned with us government requirements. the department of defense has not responded to repeated requests for comment. in the last few years, the pentagon, congress and the obama administration have all issued rules designed to stop trafficking on military contracts. but those rules have never been enforced. >> even though this is against us law, there have been no criminal prosecutions, there have been no civil actions there have not even been one contractor that was suspended from getting additional government contracts. even though everyone, inclu

the city would not pay millions to depend the climates. it's a passive acknowledgements of liability, whether the city wants to admit that or not. >> it's the scope of the injustice defying answers. >> how is this able to happen? >> i feel like the climate of those years in new york city was such that pressure was put on the precincts to make arrests in violent crime, homicide cases the violent crime. detective. >> the cases were rushed. it shouldn't have made it beyond the desk. >> he was linked to hamilton's case. accused of framing him for a murder outside a home. something denied. at the time hamilton was well-known to police, and had gotten out of prison when an eyewitness fingered him. the eyewitness recanted her story. and it took 24 years for prosecutors to determine she was unreliable. >> she was sent in a prison sell much the stickmentation of people laughing at you. they think you are crazy when you go before a parole board. to date there has been no finding by a judge or a prosecutor, that the detected contributed. the unit has

still to come - paying back pay day loops. >> being asked pay day. i had to get money there, i had another pay day to keep the payment from the first loop. >> a crackdown on the pay day lending industry. the plan to help break the death trap. also king richard the iii's grave was discovered near a parking lot. scientific testing revealed more about the king that ruled with an iron fist. the dirt unearthed by richard the third. and a trillion dollar fiasco. why has the fighter jet paved with setbacks. find out on aljazeera.com/americatonight welcome back in our fast-forward, it's a vicious cycle. when strapped for cash short-term loans can offer a quick fix. the payoff is anything but convenient. the loans can carry interest rates as high as 500% and customers find themselves borrowing more to pay off the initial loan. "america tonight"s sara hoy on the debt trap. >> reporter: if you could explain to me how much were you in the hole? >> 28 2800. >> reporter: like so many americans struggling with debt for gloria warner a native of jackson,mississippi,

. >> so basically an insurance companies will say this drug is extensive so you're going to have to pay 40 percent of the drug costs. >> that's right it's not just health plans but the means to an end has the same definition. >> it is like baffling i suspect i'm preaching to the choir to say shocking that insurance companies you think you buy insurance so our covered and then all of a sudden i mean literally someone be sent me a photo with a cash register and he showed up to get his monthly drug and he showed me a photo it's beyond me why insurance companies financial incentives it strikes me it is illegal. >> i have a little bit of additional information that gets to that point here. >> okay. >> so you laid out the speciality tiering as you stated supervisor wiener they may violate the affordable health care act provisions for protecting people that have preexisting conditions and maybe discriminatory and for patient it puts a substantial financial strain on people and the costs cannot can be unexpected may be a person needs a drug for a disease and it's on a stoplight tier the health

a typical co-pay of 1b or 25 or 50 conflict of interests a month the patient in addition must pay a significant percentage of the drug when means a co-pay insurance of $6,000 or more the explosion important drug costs our hiv and cancer and rheumatoid arthritis denies the folks the insurance benefits and remain on those medications that is clear here for many most people that havetions and need access to life saving drugs that requiring them to pay six or eight hundred or $6,000 a month is the same as saying they can't have the drug a denial of assess for hiv patient for example for many people that means going off our medications that results in serious ionize and death reducing the access to hiv medication in addition to harming the hiv positive people leads to increased infections because people on medication are less likely to pass on their ill in essence they'll be less healthy and get for sick and today and increased risk of ineffecting other people san francisco strategy to reduce and end hiv infection is in par an hiv people have immediate and consistent access to medication

well as and the pedestrian involvements investment so we rang the bell and called on everyone to paying attention e pay attention and particle with the new dialog in washington and congress to recognize this is a bipartisanship issue with the labor groups calling on congress to move for the funding for transportation by 20 thirty we're expecting to see 40 percent of the population in upper in his places this is wherewith he have sustainable global and social equitable development we want to make sure that particularly where we have older transit systems like in san francisco with our muni is over one hundred years old we're or partnering and supporting what ever way we can meanwhile we're not witting we're seeing experimentation secretary fox talked about that over 2 dozen states are raised their own state gas tax we have not done that we're looking at this thing meanwhile as mark mentioned looking at a stating fee program the program that is based on what oregon and washington have done and we have cap & trade so we're seeing carbon based fuel that is generating revenue for transportat

apple pay is new app to use on apple iphone to pay for things in the store where merchants agreed to use technology. but my question to you is, who is the weak link here? who is allowing bad guys to get into the system? >> there is no evidence there is any fault with the apple pay mobile payments platform itself. the problem is when you load card data, your card into the phone, you have to be verified by your bank and bank has been letting some of these stolen information go through. gerri: why? >> because they were very eager to get on the apple pay system. it is cool, it is new, it is hip and there are hundreds of banks. they may have pulled the trigger a little too soon. gerri: everyone wants to be part of the party. i want you to hear the apple statement "the willis report." apple pay they say is not been breached. it was signed to protect user's information. unfortunately you may be breached. what are the folks buying? >> it is no the technically a breach. if you are a if you're a person who is loading your own card information into apple pay, you are perfectly fine. it is guys

i didn't mention when i was talking about the unexpected nature of the health costs brauj plans you pay a lower amount but the minute you need health care it is far more expensive 2, 3, 4 a baggage plan the cost sharing for speciality plans can be 40 percent of the cost for drugs so what that table shows the proportion of the plans for all the drugs in a specified class into the tier for hiv medications they looked at medications broken covering medications for example 29 percent of the plans for all probable cause terrors and 60 percent of plans put the cancer medications into a stoplight column it is nationwide issue a study was done in speciality medications in 11 health care plans this is a chart from that report that looktsdz the formulas so the dark blue colors show when messages for hiv may appear in tiers 1, 2, 3 and the other is for tier 4 there are 4 plans that have more than 70 percent of mayor medications for hiv in the highest cost tier it is important to point out here i think that the plans that tend to place those medications in the highest one were smaller carries and r

co-pay. you are likely going to see more of that activity as an unfortunate consequence, an unintended consequence of the affordable care act, the tier of medications now has become greatly expanded, and you'll read articles about the 32% of dollars spent on medications are for that specialty tier of medications. so it is, that is a looming crisis out there. not part of what we're talking about fix on the floor of the -- fixing on the floor of the house this week, but more in general. you know, as a physician it's my job to be the advocate for my patients and if that means spending time on an 800-number i don't want to do it, i've got a busy day, i've got patients waiting for me, but that's one of the things you have to do. you have to advocate for your patient, no, this patient cannot take this medication which i think is what he's talking about and explain the reason why. under current law there is the right of appeal and, certainly state commissioners of insurance -- if it is an individual

i was forced to pay them. felt like the mafia. felt like i was shaken down. >> is this the same situation? >> yeah. to me i was forced to pay. they didn't do anything for me. >> everybody be quiet please. i want to get emily in for a second. union membership has plummeted over the last decade. aren't workers voting? >> it has. in illinois when there are these public/private partnerships which are less clear, they are no longer able to be unionized. it's declining for a couple of reasons. also our economy just looks very different. jobs are coming through in all sorts of new ways. we are not necessarily training people for them. we are still living off a couple of benefits of unions like bargaining and health insurance, but we need new models across the board. >> john, last word. >> dropped out of screen actors guild because i was in a tv show and years later they tried to get my video game money for me. that's why people drop out of unions. i paid in for no reason. people understand that. brad pitt's job is not going to china any

if they paying $2,700 for me to stay here, they might as well pay $2,700 for me to get my own apartment. >> do you think other people in the building are paying $2700? >> no. >> how much do you think they're paying? >> less than that. i don't think $2,700. >> i want folks to understand that if it wasn't for this program, that because this apartment is rent-stabilized, you could possibly just afford to be living here. >> wait a minute. so paying tenants in the building the average rent is $900 dollars. >> right. >> and the city is paying up to three thousand dollars? >> yes. >> for the same apartments? >> yes. >> it seems so ridiculous that you would remove affordable housing stock from working families to house people in crisis and then turn a profit. why are people looking for a shelter elsewhere? when they're already in a dwelling that's rent stabilized? it doesn't make any sense to me. >> when mayor de blasio was elected, he promised to phase out cluster sites. but in the last year his administration has actually added 225 cluster units. >> we are facing high numbers and we have to e

de tanta esperanza por la orden del presidente, en este paÍs tenemos que trabajar en conjunto con lasnuevo congreso para ver si juntos podemos lograr una reforma migratoria dura dirÍa que. >> congresista yo sÉ * que usted estuvo invitado a este foro y no habÍa vuelos comerciales que lo llevaran de washington al sur de florida porque usted tenÍa la responsabilidad de votar en el pleno de congreso y entiendo que tratÓ de ir con el presidente en el vuelo presidencial para ver el foro y participar en Él? >> el martes llamamos a la casa blanca y les dijimos que sÍ yo querÍa estar presentes porque el presidente estaba viajando a mÍ distrito en el sur de la florida y me dijeron que no habÍa cupo en el aviÓn presidencial, sin embargo, si habÍa cupo para mis dos colegas demÓcrata la seÑora sÁnchez y la seÑorita de la florida, esa es la actitud en la casa blanca, en lugar de dar la bienvenida a un republicano que estÁ dispuesto a trabajar y hablar sobre el tema a buscar consenso me negaron la posibilidad de estar presente con ustedes y aportar algo al acto que se sostuvo en la universidad de la

the $250 deduct and 15 percent of what we didn't pay after medicare pays which is a claim process you've heard before if they want to stake with the paperwork and they stay in the plan but if they want to keep their decrease and eliminate the $250 deducted and pay the co-pay then this is an option so i felt i believe it was my responsibility to bring it to the board as a funding option as well as an option that will save money own to the trust and to the employer given. >> the employee. >> and the employee once again how is this going to effect the non medicare. >> it will not and because the non medicare's premium is blended with the medicare people is that going to change. >> no our actuary already - i want to let he knows we reviewed this was the chair commissioner scott went through this on a conference call i reviewed it with him before the meeting so you know we're not just springing it but bringing up as an alternative to health care. >> we went through the issue now this is another pharmacy changed again which snapshot changes. >> i will say the 900 and 5 members you'll see that

not paying the sky high prices i was paying when i was working. every time i go to the hospital with the blue cross and blue shield, what i had all my life when i was working, they acted like i did not have any insurance at all. host: let's talk about who remains in the risk pool if these subsidies go away? guest: chances are it is the sickest people who absolutely have to have health insurance and cannot live without it. if you have no healthy people in the risk pool, premiums will skyrocket. there are estimates of premiums going up 35% or more because you do not have your healthy people. you might say i do not have a subsidy, now i do not have to pay that individual mandate penalty, so i will take a chance. host: mary agnes carey, what are you listening for today in these oral arguments lack of what do you think is the key here? guest: it will be interesting to see how the justices work through what congress intended and how literally do they take that phrase established by the state, and how much room if any do we have in determining their view

they pay payroll taxes. we would have to go back to the clinton era tax increase below 250 to get everybody paying for the defense budget. that's how it goes. >> larry b. says we've got skin in the game. >> i agree. i'm never calling for more in the defense budget. iraq costs $2 trillion. the skin in the game is we'll be paying for that in the future. our kids and grandkids will be paying for that. if we don't egress it now and pay for what we choose now and kick it down the road i think that's a problem. >> gary b., 30 seconds last word. >> i know where we can get the money. rip apart obamacare. that money's there. melissa came up with a couple of good areas. >> i found $100 billion. >> just move it around. >> that's the last word. thanks, guys. >>> cavuto on business in 20 minutes from now. neil, what have you got? >> tensions mounting again in ferguson. city budget busting. the human and financial toll adding up from these protests. plus, another executive action. this time for a bill of rights for colleg

it's bad for the people they can't pay it off. it can be discharged in bankruptcy. it locks you out of homeownership in brewster credit. we have to have alternatives as well and i talk about creating alternative ways to credentialed people including no matter where you acquired firm. here is who i am. these are the things i've done. i studied these online on my own. it's taken these courses in this college and i served in the military. someone should be able to package the experience and learning into the equipment of a degree the private sector recognizes. i also outline a loan that is beneficial to graduate students called the student investment plan which allows private-sector investors to pay her college costs in exchange for a percentage of your income over a period of time they can estimate find within a company. it is some alternative to the traditional embalmed. i would also be remiss if i didn't buy not one more aspect of the book and not as the impact of societal break down. the great town of families and this has been documented on the left and right is o

i'll pay a higher deductible. that's a good way to save, you know, on your monthly car insurance as well. but you have to make sure you can actually cover that deductible when the time comes. but you could save, you know, 20% or so right there by doing that. the other thing you want to look at -- yeah, discounts. what you're a good student, if it's a teenage driver. their rates are pretty high. if they have a good academic record, they could lower their rates by as much as 16% according to insure.com. you would think being married is going to cut my rate. but if both of you have a clean driving record, being married there have been studies that show you have future accidents could you could get a lower rate for that. also linking your home and your consider insurance, having the same carrier, that can be a significant discount for you as well. >> so, saying comparison shop is pretty easy. once you get into the details, maybe a little tricky. any hints for telling people how? is there one place you can go and do co

there's a social cost for the victims that pay for wrongful incarceration, the public pays a financial price for all the money spent to convict incarcerate, exonerate and settle claims with a wronged victim of law enforcement. altogether that can cost taxpayers huns of millions hundreds of millions of dollars. the payout to settle claims against law enforcement because of wrongful convictions and police misconduct can end up oto staggers amounts. in new york city, $428 million in four years, philadelphia, and baltimore almost 12 million in a four year period. in los angeles 54 million just in the year 2011. in chicago, $450 million over a decade. and that is something that police departments like the one in richmond, california, want to avoid. what you're about to see could make the difference between life and death. >> drop the gun richmond police drop the gun do it now. stop moving. >> go ahead and kill me. >> do it now. >> i don't care if you shoot me. >> drop to your knees. >> i don't care if you kill me. >> don't move . >> stop. >> this time it's a training exercise but next time

jorge: determinaciÓn y un alto nivel de compromiso con su paÍs natal y con el paÍs en el que reside han las red 4g lte más rápida del país. lo quieres, ¿pero estás atrapado en un contrato? nosotros pagamos los cargos por cancelación de tu familia. sigamos rompiendo las reglas absurdas. ¡cámbiate ya! existe un ilia: aparenten existe un procedimiento mÉdico que permite cambiar de manera permanente el color de los ojos demÁs ron azul. el doctor estadounidense dice que creo una nueva terapia de rayo lÁser que en 20 segundos fue cambiar el color de los ojos de una persona. expertos seÑalan que la tÉcnica podrÍa destruir el pigmento lo que puede causar problemas de visiÓn al permitir que entre en la pupila mucha luz. jorge: otra opciÓn son dos pupilents cree que las tortugas le tiene miedo a los gatos? parece que no es el caso lo voy ganara como si fuera un partido de fÚtbol demos al felino que es perseguido. ilia: el pequeÑo reptil parece dispuesto a hacerle frente al gato. le pedirÍa el gato era jugar con la tortuga la cada vez que podÍa sorprendÍa con un golpe. jorge: siempre tratamos de t

how will we pay for world war ii? 1960.president eisenhower talks of paying off the national debt the economy stumbles into a recession. how can a budget surplus hurt the economy? 1999. huge deficits turn to surplus. what would the government do with the money? almost every year the federal government spends more money than it takes in. year after year, the tide of red ink rolls on. "federal deficits: can we live with them?" we'll investigate that question with the help of economic analyst richard gill on this edition of "economics u$a." i'm david schoumacher. most of us have been taught that to spend more money than we earn is to court financial disaster but the federal government seems to play by a different set of rules. almost every year the country runs a deficit. yet we're told that deficit is necessary, even beneficial. but deficits piled one on top of another create a growing national debt. and the interest payments on that debt add more dollars to the next year's deficit. during a five-yearpan back in the 1940s, ou

with our clients, dividend-paying stocks. david: i didn't mean to steal your thunder but you forced me into it, the 72 number. liz: thanks, guys. david: have a wonderful weekend. apple's mobile payment system, apple pay has been a hit by series of fraudulent transactions using stolen credit card data. some stolen cards are said to come from the home depot and target hacks. >> with us is man named jim moran. north bridge growth equity partners. just sold his own mobile payment firm to paypal. suite get to that in a second. that is a huge story in and of itself. but when you first there was this fraudulent activity, somehow related to apple pay, what was your first thought? >> well, first thought is, there is lots of bad actors out there. they're always going to be focused on looking for ways to sort of back door the system. liz: this is not an apple fought, is it? >> no. this is not an apple fault. this is not apple's technology. this is, still on the bank card issuing side. as you load your wallet there is still a process aut

i was forced to pay them. felt like the mafia. felt like i was shaken down. >> is this the same situation? >> yeah. to me i was forced to pay. they didn't do anything for me. >> everybody be quiet please. i want to get emily in for a second. union membership has plummeted over the last decade. aren't workers voting? >> it has. in illinois when there are these public/private partnerships which are lessss clear, they are no longer able to be unionized. it's declining for a couple of reasons. also our economy just looks very different. jobs are coming through in all sorts of new ways. we are not necessarily training people for them. we are still living off a couple of benefits of unions like bargaining and health insurance, but we need new models across the board. >> john, last word. >> dropped out of screen actors guild because i was in a tv show and years later they tried to get my video game money for me. that's why people drop out of unions. i paid in for no reason. people understand that. brad pitt's job is not going to china an

if we needed to do that it wouldn't it would be co-pays on doctor visits or lab work but that's the only out let that the federal government allows on the costs pga them on those to the actual beneficiary so there's a train at the end of the tunnel. >> remind me when does our contract come up with blue shield and kaiser. >> we're norwalk the renewables right now are blue shield and kaiser we're not anticipating a plan change for 2016. >> thank you. >> thank you for asking. >> yeah. >> okay with that, mr. chairman i think we're ready for public comment. >> ms. supervisor are there speakers. >> i don't 0 not. >> why in the public comment anyone that want to speak please come up and if there's more than 1 speaker line up on the far wall anyone wish to comment on item one. >> i think we have one. >> thank you for having this hearing i'm michael smith an out liar about 10 years ago i severely broke my back with a taxicab that was a minor fall actually about t but it caused any veer to be crushed and spinal colonel aluminum to be pitched chronic pain and over the years i've got 10 other b

the pay gap is a discouraging reality. but says young women shouldn't give up dreams of equality you are watching "real money". hit me at at twitter or facebook or email. keep it here. >> former klansman david duke. >> america has been taken over. >> defending his controversial past. >> i did what i thought was right. >> that was then... what about now? >> i believe the zionists control the country. >> "talk to al jazeera". only on al jazeera america. >> that's why this congress still needs to pass a law to make sure a woman is paid the same as a man for doing the same work. it's 2015. it's time. >>> we've been talking about how the gender bias in the works place leads to pay inebbingalties. in equalities. female talent has been undervalued. a leading economist working on this issue says gender bias is a problem and plays out in the people whom senior managers choose to sponsor. >> so there's 2 pieces of books that i've been involved in and led. first off, the way you get from the middle to the top, right. it's through spo

everyone assumes google will respond to apple pay with a google pay that will work the same with android>> beingle -- google wallet hasn't really worked out and why didn't it and how optimistic are you that apple can get it right? >> apple pay is viewed by the payment industry as revolutionary but it also is the most consistent with the existing payment system of any of these new systems. what actually is surprising about apple pay are so many things that don't change, you put in your credit card -- >> are you saying it's not that innovative? >> innovative but in a way consistent with the status quo. it's very clever. i acknowledge it's connected to what i just said. it's very cleverley done. if everybody has a way to pay and then all the merchants take it, then it's all great. but until you have universal acceptance on both sides, nobody uses it. it's a network effects problem. apple pay is cleverley calibrated to skip through that and being very much in alignment with the status quo payment companies, credit card companies and plugs into the existing system. it enters apple in the midd

pay.e support it just like we do the others. >> that with hill ferguson of paypal with brad stone. brad stone joins us now. really interesting developments in the payment world right now. i feel like we are scratching the surface. >> absolutely. we have seen so much here at the show from google talking about android pay samsung introducing samsung pay. the big question for paypal is, can they compete? i think hill ferguson made a good point -- there are certain merchants that don't want the apple pay solution. maybe transaction fees are too high, or they don't want a tech company between them and their customers. paypal is coming in with more merchant friendly solutions. that will be appealing to emergent like walmart or target, or cvs. these companies that haven't adopted apple pay, even though customers love it. >> redstone, thank you, -- brad stone, thank you, with barcelona. "bloomberg west," will be -- will be back. ♪ >> and cory johnson, this is "bloomberg west." tom wheeler is at th

if you can pay in the short term, the irs will send you a bill. >> really i don't pay. then -- i don't pay, then i just get a bill from them? >> right, they'll send you a bill in a couple weeks, you can pay it then. if it's a little worse than that, you can go to the website, go to irs.gov and they will -- there's a tab called payments, go there, and you can sign up for payment plans. >> you pay interest on the payments, right? >> you always pay interest on that, you're going to have some penalties if you can't pay late. if you can't pay, don't be afraid to file the returns. >> as long as you tell them they don't come and find you. >> you need to tell them if you're going to take longer than that bill. >> basically fink yourself out, and keep yourself from getting into major problems. >> we're going to be here until 8:00 tonight. grab your tax documents and give us a call. 415-954-7621 about i'm michael finney. >> thanks very much. >>> and now to the incredible accusation this week's plane crash in the french alps. the co pilot was alone at the controls, and intentional