KJ Ford 🇺🇲
836 posts

KJ Ford 🇺🇲
@TheOnlyKJF
Dad, Husband, Slave to the Pension & Avid Indoorsman.
USA Katılım Aralık 2017
252 Takip Edilen98 Takipçiler


@FinFreedom414 B. Family is everything and having $1M sure would make it easier than when I did it on nearly $0 at the end of each month.
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Imagine you had to choose your life at age 40:
Option A:
Single. No kids.
$10M net worth.
Travel anywhere. Total freedom.
Quiet house. Quiet holidays.
Option B:
Married. 3 kids.
$1M net worth.
Drive a Toyota. Chaos every morning.
Loud house. Full dinner table.
Be honest, which life are you choosing?
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@Centazzo I literally laughed out loud at this. Well said and well done.
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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 $4,200
hospitals don't send you itemized bills by default. they send you a summary. one line. one number. pay this
the itemized version shows every single charge. and that's where the scam falls apart
$78 for a single Tylenol you could buy at CVS for $3 $400 for "room usage" for a room you sat in for 12 minutes $1,200 for "physician consultation"
when a nurse practitioner spent 45 seconds checking your chart $250 for "surgical supplies"
when you got 3 stitches and a bandaid duplicate charges for the same procedure billed twice under different codes
hospitals get away with this because most people never ask. they just pay the summary or let it go to collections and destroy their credit for 7 years over charges that were never real
the call script:
"Hi, I'm calling about account number [X]. I'd like a fully itemized statement showing every individual charge, CPT code, and unit cost. I'm also requesting the chargemaster rate versus what my insurance was billed"
they'll push back. "we already sent your statement." no. you sent a summary. you want the itemized breakdown with procedure codes
once you get it:
step 1: google every CPT code on the bill. compare their price to the Medicare rate for the same procedure. hospitals routinely charge 300-800% above Medicare rates. you now have negotiating leverage
step 2: call back. "I've reviewed the itemized statement. There are duplicate charges on lines [X] and [X]. The charge for [procedure] is $1,200 but the Medicare reimbursement rate is $180. I'd like to discuss a fair adjustment"
step 3: ask about financial hardship discount. every nonprofit hospital has one and many for-profit hospitals do too. most require a simple application. income under $60K-$80K for a family qualifies at most nonprofit hospitals for 40-100% reduction. they won't volunteer this. you have to ask
step 4: if they won't negotiate, say "I'd like to file a formal billing dispute and request review by your patient advocate"
this triggers an internal audit. a different person reviews the charges. errors get caught. bills get reduced
step 5: offer a lump sum. "I can pay $3,800 today if we can settle this account in full." hospitals would rather take $3,800 now than send $14,000 to collections where they'll recover a fraction of the balance
and if it already went to collections? the collection agency bought that $14,000 bill for pennies on the dollar. they'll often take a fraction of the original amount to delete it and walk away happy
you were about to destroy your credit for 7 years over a bill that was mostly inflated charges
five words would have saved you
(i repair credit in 60-90 days, links in my bio)
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@TheEXECUTlONER_ Lest we forget @FerrisFootball also was 16-0 in this modern era. Congrats to both teams making history and doing it with grace and class.

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Sometimes the good guys win.
That play will be Fernando Mendoza’s legacy.
I think the reason why Indiana won they had a 12th man on the field!!!! And his name was Jesus Christ!!! 🙏
The fact that his dad never stands because his wife can’t gets me every time and explains everything! ❤
History making 16-0 for the first time in the modern era.
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#AGTG After a great conversation with @Coachcalexander i’m blessed to receive my 2nd offer from Capital University ‼️@WoodfordFBall @coachRoleyDBN


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@teeroyhowell Middle is middle, no matter width of the uprights.
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@stoolpresidente Tom's Papa Dino's
288 Main St
Florence, KY
Just across the Ohio River
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Cincinnati is a rare city I’ve never done a pizza review in. What are top 5 must hit spots.
Big Noon Kickoff@BNKonFOX
NEXT STOP: 📍Cincinnati! Big Noon Kickoff will be bringing the party to Cincinnati at 10am ET ahead of @GoBearcatsFB's matchup with @BYUfootball at 8pm ET on FOX 🎉
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Congratulations & good luck to @loganf0rd & @LWUfootball #BlueRaiders for being @MidSouthSports Conference Champions and #7 seed in the @naia football playoffs! Go get 'em! #1and0
@WoodfordFBall @Prokickercom




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@grayce_notes @shoovy1x I'll agree with you no matter what for some of your next harvest. How 'bout it?
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@shoovy1x I wanna be so rich I can buy best friends who will always agree with me no matter what
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@JohnHines66 Being on the field in mid-November is a blessing, you're right Coach. Go get 'em!
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It’s great to be on the practice field today. Good weather, bad weather, the Cards are working to improve.
#Team56 #WeComingWAO

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@MrPitbull07 Oh man, I remember finishing a test in record time, pulling my paper out of the IBM machine, then reaching over to the guy next to me and pushing down and holding the "Z" key. Sounded like a machine gun and there were about 13 Zs across his page. Haha. Remember that @MALJrBBV ??
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