BMO the Racer 🇺🇸

Always do good and make sure you take care of you and your people🇺🇸🇺🇸🇺🇸Don’t get MAD it’s only my OPINION🇺🇸🇺🇸🇺🇸No DMs

[BMO the Racer 🇺🇸 @BMOracer]

Morning After 🇺🇸🇺🇸🇺🇸

[hunter @hxxntrr]

you're about to pay that $14,000 hospital bill. Stop

call the billing department and say five words: "I need an itemized statement"

watch $14,000 turn into $3,200

hospitals send you a summary bill on purpose. one line. one number. one deadline. designed to make you panic and pay or ignore it until it destroys your credit

the itemized version tells a completely different story

every charge has a CPT code (Current Procedural Terminology). this is the 5-digit number that identifies the exact procedure or service. your $14,000 bill might have 30-60 individual CPT codes on it. each one represents a charge the hospital decided you owe

here's what you'll typically find when you actually read them:

$83 for a tablet of acetaminophen. you know this drug as Tylenol. CVS sells a bottle of 100 for $6.49. the hospital charged you $83 for ONE

$482 for "room utilization." you sat in a curtained area in the ER for 22 minutes while a nurse took your blood pressure

$1,400 for "physician consultation" when a nurse practitioner checked your chart for 90 seconds and a doctor you never met signed off remotely

$312 for "surgical supplies" for 4 stitches and a gauze pad that cost the hospital $0.74 in materials

$234 for "facility fee." this is a charge for being in the building. literally a fee for walking through the door

duplicate charges billed under different CPT codes for the same procedure

the chargemaster:

every hospital has a document called the chargemaster. it's a master list of every service and its price. chargemaster prices are set internally by the hospital with zero external regulation. there is no law governing how much a hospital can charge for a tylenol or a CT scan. the chargemaster is a fictional pricing document that has no relationship to the actual cost of care

under the Hospital Price Transparency Rule (CMS-1717-F2, effective January 2021), hospitals with 300+ beds are required to publish their chargemaster prices online. most hospitals bury the file in an obscure corner of their website as a 40,000-row spreadsheet that nobody can read. but it's there

pull it. compare what they charged you to what they published. then compare both numbers to the Medicare reimbursement rate for the same CPT code at https://t.co/OYp6CWUAOK. Medicare rates represent what the federal government has determined is a fair price for each procedure

the gaps are violent:

CT scan abdomen (CPT 74177):
Medicare rate: $280
Average chargemaster price: $4,200
Markup: 1,400%

basic metabolic panel (CPT 80048):
Medicare rate: $11
Average chargemaster price: $620
Markup: 5,536%

ER visit level 4 (CPT 99284):
Medicare rate: $268
Average chargemaster price: $2,800
Markup: 945%

the negotiation sequence:

call 1: "I received my itemized statement. I've compared each CPT code to the Medicare reimbursement rate and found that your charges exceed Medicare rates by 400-1,400% across 18 line items. I'd like to discuss a fair adjustment to bring these charges closer to market rates"

most billing departments have authority to reduce 20-40% without supervisor approval. push for 50%+

call 2: "I'd like to apply for your financial assistance program under your 501(r) charity care policy"

every nonprofit hospital (roughly 60% of US hospitals) is required under IRC Section 501(r) to maintain a financial assistance policy. if your household income falls below 200-400% of the federal poverty level (varies by hospital), you qualify for 40-100% reduction. for 2026, 400% FPL for a single person is roughly $60,240. family of four: $124,800

this means a family earning $120K/year may qualify for a 50-80% reduction at many nonprofit hospitals. they will never tell you this. you have to ask

call 3: "I've identified billing errors including [duplicate charges/upcoded procedures/unbundled services] and I'm filing a formal billing dispute. Please route this to your patient advocate for internal audit review"

the word "audit" triggers a different process. a compliance officer reviews the bill instead of a collections agent. errors get found. charges get removed

call 4 (the close): "I can pay $3,200 today as settlement in full. This resolves the account. I'll need written confirmation that the account is settled and will not be sent to collections"

hospitals would rather take $3,200 today than send $14,000 to a collection agency that will buy it for $420 and harass you for years. your lump-sum offer at 23 cents on the dollar is more profitable for the hospital than the collections route

if it already went to collections:

the collector bought your $14,000 bill for $280-$560. they'll take $1,500 and delete. but first, send the FDCPA 809 validation letter demanding the full itemized statement with CPT codes, the insurance explanation of benefits, and proof the remaining balance is accurate after all contractual adjustments

collectors almost never have this for medical debt. the hospital sold a spreadsheet. the supporting documentation went to a filing cabinet nobody will ever open. unable to validate = dispute with bureaus = deleted in 30 days

a woman came to us with $89,000 in medical bills across 4 hospital visits from 2023-2025. we requested itemized statements for all four. found $31,000 in duplicate charges, facility fees already included in surgeon's bills, and supplies billed at 2,000-5,000% above cost. applied for 501(r) financial assistance at 2 of the 4 hospitals. she qualified for 70% reduction at both

$89,000 original total
$31,000 removed (billing errors)
$58,000 remaining
$40,600 reduced (70% charity care at 2 hospitals)
$17,400 remaining across 2 for-profit hospitals
Settled for $6,200 lump sum payment

$89,000 to $6,200. 7 cents on the dollar. score went from 512 to 703 in 68 days after the collections were deleted

five words. "I need an itemized statement." the hospital is hoping you never say them lol

(i fix credit in 30-90 days. link in bio)

[Maxine Pye @LiveAncestral]

What the doctor says vs what it actually means.

“Your LDL is high.”

What it means: Your body is producing more of the molecule it uses to repair tissue, make hormones, and carry fat-soluble vitamins to your cells. That is biology doing its job.

“LDL is the bad cholesterol.”

What it means: LDL is a lipoprotein. A transport vehicle. It carries cholesterol to the cells that need it. There is no bad cholesterol. There is only cholesterol doing its job.

“You are at increased cardiovascular risk.”

What it means: A population-level risk calculator produced a percentage. It does not know your insulin level, your inflammation markers, or your LDL particle size. It knows your age and your total cholesterol number.

“Statins will reduce your risk by 50 percent.”

What it means: Your relative risk drops by 50 percent. Your absolute risk drops by around 1 percent. These are not the same number. One of them is used in the consultation. Malcolm Kendrick documents this distinction in Doctoring Data.

“Statins are well tolerated.”

What it means: Known side effects include muscle damage, fatigue, memory problems, and raised blood sugar. Well tolerated means most people stay on them.

“This is the standard of care.”

What it means: This is what the guidelines say. The guidelines were written by committees where financial conflicts of interest with pharmaceutical companies are well documented.

The doctor is not lying. They are following a protocol. The protocol is the problem.

Did your doctor explain the difference between relative risk and absolute risk before they wrote that prescription?

Share this with people who need to hear it 🙏🏻

[Wall Street Apes @WallStreetApes]

This is Crooked Creek reservoir in Wyoming

See this concrete? That’s was a boat ramp

“Y'all ever want to know how dry it is out here in the West? This is a boat ramp that has not seen water for years”

Cheyenne Wyoming is about 20 miles away and Meta, Microsoft, and other major companies have Data Centers facilities or expansions

There are 8 more planned projects statewide adding significant water and electricity usage

Now there aren’t any data centers I couldn’t find by Crooked Creek so it’s mainly drought and low rainfall here, but the entire surrounding area is in a drought. Not a good time to keep adding data centers

[📢Rebelión en la Granja🚨 @elorwelliano]

💥Denzel Washington rompe el silencio en Hollywood: “Estamos lidiando con poderes superiores a nosotros”.

El actor Denzel Washington sorprendió a sus seguidores al conectarse en vivo por Instagram junto al pastor Bernard, donde expresó abiertamente su devoción a Cristo y su confianza total en el plan de Dios para su vida.

Durante la transmisión, Washington también se refirió al estado actual de la industria del entretenimiento, asegurando que los artistas se ven forzados a enfrentar “poderes superiores a nosotros mismos”. Esto se confirma con el ataque infernal que se ha desatado en todo el mundo en contra del cristianismo.

[Bill Mitchell @mitchellvii]

🇺🇸 🇮🇷 THE MULLAHS JUST TOLD ON THEMSELVES.

Iran has been screaming "peaceful nuclear energy" for two decades. But the moment Trump put a real deal on the table, offering low-grade enriched uranium for civilian power, they flinched.

You don't flinch if you have nothing to hide.

Low-enriched uranium runs your power grid. High-enriched uranium builds a bomb. Iran wants to keep the high-grade stuff. That tells you everything about what they were building.

This is not a nuclear energy program. It never was. It's a weapons program wrapped in diplomatic language and stalled negotiations.

Reagan said trust but verify. Trump said verify or walk. Iran's response to both is the same: delay, deflect, and enrich.

The regime isn't protecting energy infrastructure. They're protecting a warhead they haven't finished yet.
Every day the media calls this a "diplomatic standoff" is a day they're covering for a government that has publicly called for the destruction of Israel and death to America.

Call it what it is. Iran wants the bomb. They always did. And they just admitted it by refusing the one deal that would only work if their intentions were clean.

The mask is off. The question now is whether the world has the spine to act like it.

[BMO the Racer 🇺🇸 @BMOracer]

@PinoAmericano Did you see his post

[Secretary Markwayne Mullin @SecMullinDHS]

Let me be ABUNDANTLY clear:

Temporary Protected Status is just that: TEMPORARY.

Democrats tried to turn this into a defacto amnesty program. President Trump put a STOP to it.

If you are in the country without status, you are here illegally. Illegal aliens have two choices — they can either accept a $2,600 stipend and a flight home to self deport, or they will be removed.

[The White House @WhiteHouse]

“Our Great National Security Facility and Ballroom is moving along on schedule. When completed, there will be nothing like it anywhere in the World!” - President Donald J. Trump

[il Donaldo Trumpo @PapiTrumpo]

BEAUTIFUL!!!❤️🇺🇸

[Massimo @Rainmaker1973]

She totally deserves an oscar

[katsu @katsuxbt]

Ivanka Trump says her fashion brand was earning $800,000,000 a year with a new baby on her hip, then her dad called and said “I need you”

“My fashion brand were doing over $800 million in sales annually. I was running all real estate acquisitions and development for the Trump Organization”

“I was building the Old Post Office at the same time as I was building Trump Doral, which is 800 acres here in Miami”

“I had three young children, very young in one case. My son Theo was literally on my hip, he was 6 months old”

“And then my father won the presidency. And he said, ‘I need you.’ He had never spent a night in Washington until his first night in the White House. And he didn’t know anyone…”

“He trusted my ability and Jared’s ability… and he asked us to go. This was about a week and a half after he won”

“A complete change in trajectory of our whole lives”

[J @JayTC53]

President Trump and Stephen Miller are NOT going to accept 500,000 Haitian illegal aliens applying for permanent residency.

They will all be denied. Markwayne Mullin only stated what the law says. That's not his position or the position of the admin

Please calm down everyone.

[Kosher @koshercockney]

Holy f*cking sh*t.

Earlier today the IDF sent out a notification to residents to Northern Israel.

One they had never received before.

It informed them that there would be the sound of an enormous explosion this evening and may even be so powerful it could trigger earthquake detectors and this may cause warning sensors to go off but residents should not to be concerned.

Turns out Israel just destroyed the entire Hezbollah terror tunnel network system that they discovered this month (you may have seen the videos this week)

This is absolutely incredible. The size of that explosion.

There will be no more Hezbollah rats will be hiding in the tunnels in the hills next to Israel anymore.

[Trumps Nephew @ForgiatoBlow47]

YOU DO REALIZE THAT THE 8 MILLION PEOPLE "LOSING" MEDICAID, AND THE 3 MILLION "LOSING" SNAP BENEFITS ARE NOT ENTITILED TO THOSE BENEFITS IN THE FIRST PLACE.

[BMO the Racer 🇺🇸 @BMOracer]

Then all can relax once they leave

[Leading Report @LeadingReport]

Supreme Court ruling could put thousands (nearly 20%) of Springfield, Ohio’s Haitian immigrants at risk of deportation after allowing the Trump admin to end TPS protections.

[Rising serpent 🇺🇸 @rising_serpent]

That was quick.
Less than 4 hours.
I should start fortune telling.

[BMO the Racer 🇺🇸 @BMOracer]

We need justice for all the dogs and cats 🐈

[Geraldo Rivera @GeraldoRivera]

Supreme Court this week ended Temporary Protected Status for refugees here from hell holes like Haiti. Now that President Trump has succeeded in stopping illegal immigration why not show compassion to those already here?
If they are otherwise following the rules, give them a break to honor America’s big birthday.

[BMO the Racer 🇺🇸 @BMOracer]

@TrumpWarRoom @realDonaldTrump He’s a piece of shit

[Andrew Kolvet @AndrewKolvet]

MS NOW on Haitians in Springfield:

"So of the 350,000 Haitians in the United States with TPS, a little over 10,000, close to 15,000 live here in Springfield, the population of Springfield is about 58,000. So with this decision from the Supreme Court, 20% of this community in Ohio overnight has lost their status."

There are tens of thousands of Americans in Springfield who are overjoyed they’ll soon be able to recognize their home again.