Get d'Clu

Get a clue & wake up! The best way to lead a nation astray of its values is to keep it ignorant of its history.

Health Policy Insights

CBO: Insurance Proposal Would Effectively Nationalize Private Insurance

December 17, 2009
by John Goodman

 A Medical Loss Ratio (MLR) is the percentage of premium dollars an insurer spends on claims as opposed to administrative costs and other expenses. According to news reports, a proposal from Senator Rockefeller and others would limit MLRs to 90%. The Reid bill already requires insurers to issue rebates to enrollees on a pro rata basis if its medical loss ratio falls below 80% or lower for the individual and small-group markets or 85% or lower for the large-group market. 

However, the Congressional Budget Office (CBO) says that a 90% MLR would expand “the federal government’s regulatory role in the health insurance market so much that it would make such insurance an essentially governmental program, so that all transactions related to health insurance policies (even those with private companies) should be recorded as cash flows in the federal budget.”  A similar ruling helped kill Hillary Clinton’s health reform proposal 15 years ago.

Donald Marron, former Acting Director of CBO, explains the issue at his blog.


 Is This Fair?

Dec 17, 2009
by John Goodman

Health reform on Capitol Hill:

Focus on Jane, a primary breadwinner making $48,000 (in 2016) to support her family of four. If Jane is offered insurance by her employer that meets the test, she must accept it or pay a fine. That means Jane ends up paying for the entire cost of, say, a $14,100 policy, according to some economists. They say she pays the premiums out of pocket and the remainder indirectly because employers offer reduced paychecks to offset the cost of their share of health insurance.

Now, meet Julie, who also makes $48,000 and is not offered insurance at her job. Julie heads to the newly created exchange to purchase the same policy. But it costs her only $5,300. The rest – about $9,000 – comes from federal subsidies.


Full editorial by Douglas Holtz-Eakin in The Boston Globe.


How Much Does Insurance Really Cost?
Dec 16, 2009
by Greg Scandlen

CNNMoney reports on a recent study by that found:

Half of individual policyholders paid $132 or less per month… According to the report, in 2009 the median non-group health insurance premium for an individual in the United States was $1,584 per year ($132 per month) and the average deductible was $2,326. Combined, annual premiums and deductibles account for approximately 7.7 percent of median household income for 2008 ($50,303) as reported by the US Census Bureau.

Now, if individuals buying their own insurance got the same tax break as employees get for employer-provided coverage and if there were a back-up mechanism for high-risk applicants, we might dramatically reduce the numbers of uninsured without any individual mandate.Your new doctor?


New Mammogram Guidelines Show What We Should Expect 



Here are some alternatives to Obamacare:

National Center for Policy Analysis

Health Plan

To confront America’s health care crisis, we do not need more spending, more regulations or more bureaucracy. We do need people, however, including every doctor and every patient. All 300 million Americans must be free to use their intelligence, their creativity and their innovative ability to make the changes needed to create access to low-cost, high-quality health care.
NCPA HC plan (7 page pdf)

Consumers for Health Care Choices

Our friends at FreedomWorks, the National Center for Policy Analysis, and the Council for Citizens Against Government Waste provide great services that enable you to communicate with your Congress Critters. If you are a doctor, go to Take Back, a project of the Association of American Physicians and Surgeons. Health Action Network, an online site sponsored by WellPoint that brings together medical personnel, patients, and informed consumers, also makes it easy for you to communicate with your elected officials. Please take a few minutes to make your voice heard.

You can also sign up for Greg Scandlen’s weekly e-newsletter, Consumer Power Report, become a member of Consumers for Health Care Choices (CHCC), or become a donor to The Heartland Institute, the parent organization of CHCC. See Peter Ferrara’s recent     Heartland Policy Study for the facts about ObamaCare, and The Heartland Institute’s Health Care Issue Suite for extensive background information about health care reform.

And if you think your taxes won’t be affected by Obamacare, you’re drinking Kool-Aid!

Tea Party Patriots


December 17, 2009 Posted by | Agenda of the Left, Family, Fiscal (Ir)Responsibility, Life with Big Brother, Politics, Real Purpose of Govt., Wake Up, WordPress Political Blogs | , , , , , , , , | Leave a comment

Shut Down Senate Health Care

UPDATE 2:15 pm CST

YOU GUYS ARE AWESOME!!!  You received the alert below and took action.  You have completely overwhelmed the Senate switchboard.  I have received emails stating that calls to some of the Senators below were being re-directed to Sen. Reid’s office and other Senators in the Democratic leadership.  I have had reports that the voice mail boxes are full.  Some of you have stated that you received messages stating the calls could not go through.  Some have received a message asking you to put in the mailbox number or phone number.   The phone numbers we sent out were taken directly from the Senators web sites.
Keep up the great work!  You are making a difference in this battle!  I have included the phone numbers of the Senators district offices below.  Please call them as well… Let’s go get ’em !!!

From the Tea Party Patriots, Action Alert!


Dear Fellow Tea Party Patriots,

We are at a critical point in our fight against government run healthcare.  
We need to have the same urgency and intensity level that we displayed at the Congressional Town Hall Meetings during the August recess. We must not diminish our fight to defeat the Senate healthcare bill. Many “Blue Dog” Democrats and some GOP Senators have stated that they don’t see the same intensity level opposing the Senate Healthcare bill that we displayed opposing the House version. They are beginning to believe that we do not strongly oppose the Senate Healthcare bill.  We need to let them know that is not true.
President Obama and the Senate Democratic leadership are pulling out all the stops to pass this Senate Healthcare bill. They are putting enormous pressure on the “Blue Dog” Democrat Senators to pass the bill.
We urgently need you to make phones today and tomorrow  to the Senators listed below. Please call their District Office and their D.C. office. Also, please continue to contact your Senator. Forward this to your email lists and ask them to make phone calls.
The latest Rasmussen Poll showed that 60% oppose this healthcare bill.
We need you to make phones calls to the Senators listed below.

Targeted Senators

Sen. Ben Nelson, Nebraska
DC Office Number: 202-224-6551, DC Fax Number: 202-228-0012

Washington, D.C.
720 Hart Senate Office Building
United States Senate
Washington, DC 20510
Tel: 1-202-224-6551
Fax: 1-202-228-0012
7602 Pacific St.
Suite 205
Omaha, NE 68114
Tel: (402) 391-3411
Fax: (402) 391-4725
440 North 8th Street
Suite 120
Lincoln, NE 68508
Tel: (402) 441-4600
Fax: (402) 476-8753
Tel: (308) 631-7614

Tel: (308) 293-5818
South Sioux City
Tel: (402) 209-3595

Sen. Jim Webb, Virginia
DC Office Phone Number: 202-224-4024, DC Fax Number: 202-228-6363

308 Craghead Street
Suite 102A
Danville, VA 24541
Phone: 434-792-0976
Fax: 434-972-0978
Hampton Roads
222 Central Park Ave.
Suite 120
Virginia Beach, VA 23462
Phone: 757-518-1674
Fax: 757-518-1679
Northern Virginia
7309 Arlington Boulevard
Suite 316
Falls Church, VA 22042
Loehmann’s Plaza
756 Park Avenue, N.W.
Norton, VA 24273
Mail to: 756 Park Avenue, N.W.
P.O. Box 1300
Norton, VA 24273
Phone: 276-679-4925
Fax: 276-679-4929
507 East Franklin Street
Richmond, VA 23219
Phone: 804-771-2221
Fax: 804-771-8313
3140 Chaparral Drive
Building C, Suite 101
Roanoke, VA 24018
Phone: 540-772-4236
Fax: 540-772-6870
Washington, D.C.
248 Russell Senate Office Building
Washington, DC 20510
Phone: 202-224-4024
Fax: 202-228-6363
Sen. Mark Warner, Virginia
DC Office Phone Number: 202-224-2023, DC Fax Number: 202-224-6295

459A Russell Senate Office Building
Washington, DC 20510
Phone: 202-224-2023
Fax: 202-224-6295
180 West Main Street
Abingdon, VA 24210
Phone Number: 276-628-8158
Fax Number: 276-628-1036

101 W. Main Street
Suite 4900
Norfolk, VA 23510
Phone Number: 757-441-3079
Fax Number: 757-441-6250
919 E. Main Street
Suite 630
Richmond, VA 23219
Phone Number: 804-775-2314
Fax Number: 804-775-2319
8000 Towers Crescent Drive
Suite 200
Vienna, Virginia 22182
Phone: 703-442-0670
Fax: 703-442-0408

[202-224-4041 is the direct line if you have the voice mail box number of the Senators.]
PriceWaterhouseCooper released an independent study of the Senate Finance Committee version of the government takeover of health care bill.  The study showed that American family’s budgets will be severely impacted by the bill and that health insurance premiums will increase dramatically.  You may wish to read the study and use this as supporting documentation when you contact the Senators.  Additionally, you may find some these resources helpful as well:
Tea Party Patriots Health Care Talking Points
Why Is Tea Party Patriots Focusing on Health Care

Questions to Ask Your Representative About Health Care

Cloture Process and Timeline

Approximately 6 days minimum, if all time used

Cloture – definition:

    1.  a method of closing a debate and causing an immediate vote to be taken on the question.
–verb (used with object), verb (used without object
    2. to close (a debate) by cloture.
~   (getdclu)

· Day 1: Cloture filed on the managers’ amendment, the Reid substitute amendment, and the bill (Note: there is a lot of mischief that can happen on Day 1 but that is not included in this memo)
· Day 2: Cloture motions ripen
· Day 3: Cloture vote on the managers’ amendment occurs one hour after the Senate convenes
60 votes are required to invoke cloture on the managers’ amendment

If cloture is invoked, no other Senate business may be conducted during the 30 hours of post-cloture time

· 30 Hours later: The up/down vote on the managers’ amendment occurs. A majority vote is required to agree to the managers’ amendment.

Immediately after the up/down vote on the managers’ amendment, the Senate proceeds to the cloture vote on the Reid substitute amendment (as amended by the managers’ amendment)

60 votes are required to invoke cloture on the Reid substitute amendment

If cloture is invoked, no other Senate business may be conducted during the 30 hours of post-cloture time

· 30 Hours later: The up/down vote on the Reid substitute amendment occurs. A majority vote is required to agree to the Reid substitute amendment

Immediately after the up/down vote on the Reid substitute amendment, the Senate proceeds to the cloture vote on the health care reform bill (as amended by the substitute amendment, which has been amended by the managers’ amendment)

60 votes are required to invoke cloture on the health reform bill, as amended

If cloture is invoked, no other Senate business may be conducted during the 30 hours of post-cloture time

· 30 Hours later: The up/down final passage vote on the Patient Protection and Affordable Care Act, as amended, occurs. A majority vote is required to pass the bill, as amended.


You are the heart and soul of the Tea Party Movement. Thank you for promoting the causes of fiscal responsibility, constitutionally limited government, and free markets with us!

Your Tea Party Patriots National Coordinator Team,
Debbie Dooley, Mike Gaske, Kellen Giuda, Ryan Hecker, Jenny Beth Martin, Mark Meckler, Sally Oljar, Diana Reimer, Billie Tucker, and Dawn Wildman

Jenny Beth Martin (, 770-878-1550)
Dawn Wildman (
Mark Meckler (
Diana Reimer (
Debbie Dooley (

Tea Party Patriots, Inc. is a social welfare organization organized under section 501(c)(4) of the Internal Revenue Code. Contributions to Tea Party Patriots, Inc. are not deductible as charitable contributions for income tax purposes.

[This email message was intended for Central US recipients, but I feel is essential for all national patriots. – getdclu]
Shut Down Senate Health Care:

December 16, 2009 Posted by | (Un)Limited Government, Action Alert, Agenda of the Left, Citizen Patriotism, Constituional Issues, Fiscal (Ir)Responsibility, Govt Oppression, Life with Big Brother, Politics, Wake Up, WordPress Political Blogs | , , , , , , , , , , , , | Leave a comment

Can You Hear Me Now???

While the voting public know what the success of Virginia and New Jersey conservative wins mean, the spin from the liberals is deafening.  Adam Bitely words it well when he states, “the White House Communication Office, aka the Main Stream Media, is spinning the results as being unrelated to Obama’s agenda…” but it means a huge swing away from gluttonous federal spending and an “overreaching (liberal) power grab” not seen since the New Deal.

This Conservative Wave™ has more than just a “scant basis in reality.”  Note to all MSM: just report the facts and leave the thinking to us!

The Wave has been building a long time and was exacerbated by Obama’s few months in office.  BO’s radical changes and horrendous upset to the economy, et al., have produced not only cohesion among Conservatives, but these challenges have brought together Republicans and Independents along with traditional Conservatives to reach agreement on core values and Constitutionalism. 

The voters spoke up saying the economy is important.  That they want to live under the rule of law and not under a Constitution that is a “living document” (which practically means no constitution).  These united voters want a fundamental shift away from the all-powerful socialistic, statist government and a return to local and state power with minimal federal intrusion. 

These voters, especially in VA, want the Christian ethos put back into its rightful place of honor in the courtrooms and hearts of its people, as it was with the Founders.  The state cannot legislate morality.  Without a moral code, statism can only prescribe more and more laws to try and control the passions of populace.  But educating the people again with the basic tenets of the Judeo-Christian heritage would all but solve a majority of societal issues—soul issues born out of societal ills.  According to Joseph Farah, in his book “Taking America Back: A Radical Plan to Revive Freedom, Morality, and Justice“:

The choice is simple: the world of standards and morality, of marriage, order, the rule of law, and accountability to God or the world of anything goes, aberrant behavior, do-your-own-thing lifestyles, and moral codes that change with the speed of the latest public opinion polls.

So ride the Conservative Wave™ all the way to Washington D.C. today, meet with your Representatives, and stand on the Capitol lawn to sing “God Bless America” in solidarity with other peaceful warrior patriots for freedom.

Other Sources:

1.  You can read an excellent analysis of the election results as they pertain to Obama’s responsibility and the new Wavey Train here .

2.  Listen to the rally:  You can also listen live right on WND daily here.

3.  Tea Party Patriots LIVE

Live internet radio show discussing Tea Party Topics.

Featuring well-known Tea Party personalities Andrew Ian Dodge and CL Bryant, Tea Party Patriots National Coordinator Mark Meckler, Tea Party Patriots LIVE Coordinator Rob Gaudet, along with organizers Sam Mela and Sgt Richard Correa.

We will discuss nationalized health care, high noon in DC and the Farmer Relief and Freedom Rally.

November 5th, 2009
11:30 – 2:30 Eastern
Click here to listen live


Can You Hear Me Now?:

November 5, 2009 Posted by | Action Alert, Christian, Citizen Patriotism, Constituional Issues, Culture, Govt Oppression, MSM Disinterest, Politics, propaganda, Wake Up, WordPress Political Blogs | , , , , , , , , , , , , , , , | 1 Comment

What YOU Can DO about Obamacare NOW

tea party graphicWe are in for what may very well be the most important political fight of our lifetime.  And we mean lifetime literally.  In the future, our very lives may depend on our actions today. 

You probably know at least 1 person who has had an abnormal medical test.  Maybe you have had it yourself.  Maybe it was a family member or a loved one.  After that first abnormal test, the doctor usually schedules more tests, maybe refers you to a specialist, and works to determine what the diagnosis is.  Waiting for those tests and the results can feel like the longest wait in the world.  You worry that something is wrong. You hope that nothing is wrong.  You think, “Is it serious?  Do I have cancer or some other terrible disease?  Is it malignant?  Maybe it will be benign.  Maybe the doctors are wrong.”  You wait.  And you worry.  Luckily, in our health care system today in America, that wait is only days or maybe a couple of weeks.  And, if the diagnosis is serious and requires further treatment, doctors work to treat your problem right away. 

Imagine if that wait were months and months long.  Imagine if some government bureaucrat said, “You will have to wait for 4 months until we have the time and doctors to treat you.”  Imagine that few days or weeks turning to months.  What if the problem were serious?  What if the wait time caused you to miss your treatment window?  What if it were your mom? Your spouse?  Your child?  This happened to Shona Holmes.  A couple of weeks ago, Amy Kremer and I had the privilege to meet Shona Holmes and hear her story first hand.  Had Shona waited for her nationalized health care in Canada to actually diagnose and treat her, she would have died.  Click here to watch her story on Patients United Now and her Fox News Interview

The liberal tax and spend politicians want to takeover our health care.  They want control not just of our wallets but also our very lives.  These politicians realize what is at stake.  If the bill passes, bureaucrats in Washington will determine when you can see a doctor, which doctor you can see, and whether or not you can actually have treatment.  Is this what you want?  Are you going to let politicians takeover your health care? 

The bill that will allow the government to takeover our health care was introduced today.  It is 1,018 pages long.  The politicians know that if you have time to read the bill you will not want it.  They are not willing to allow honest debate and honest review of amendments.  Speaker Pelosi and the House of Representatives are trying to rush passage of this bill, this one thousand eighteen page bill, by the time they go on summer vacation on July 31.

Are you willing to fight for control of your personal health care?  Do you want the government to takeover your health care? 

The heat is on!  It is make or break time. 

If you do not want the government to take control of your physical well being in addition to your wallets, then you must act.  We must act quickly, decisively, and relentlessly.  Here is what you can do: 

1.  Attend the Tea Party Patriots Health Care Freedom Protest in your area.  Take an hour off of work.  Are your health care and the physical well being of your family members important enough to you to spend an hour making sure your voice is heard?  While you are there, we need you to do 3 things:  sign the Free Our Health Care Now Petition, Sign the Letter to your Representative or Senator and hand deliver it to their office, and hold your signs opposing government takeover of your health care.

2.  On Monday, July 20, call every single Blue Dog Democrat, those are Democrats who say they are fiscally conservative, (click here for list and phone numbers).  Record your answers in this form (click for the form). We want to keep up with the number of calls, emails, and faxes that are made into Congress.
3.  Be prepared to make more phone calls next week.

Have a little more time?  Want to do a little more?  –  Forward this message to everyone in your list.  Ask them to take these actions as well.  Make phone calls to your friends and family to make sure they understand what is at stake.

Really want to go a little further?  Have the time to make a large commitment to keeping control of your health care? – Print the Free Our Health Care Now Petition.  Now, take that petition and walk up and down your street asking your neighbors to sign it.  Ask them if they will print the letter and email it to their elected officials.  If they are passionate, then forward this email to them and ask them to call each and every Blue Dog Democrat.


Jenny Beth Martin on behalf of
Your Tea Party Patriots National Coordinator Team
Jenny Beth Martin, (404-326-0936)
Amy Kremer, (678-495-8271)
Mark Meckler,
Rob Neppell,

NOTE: There is the probability when some of you will receive this message some of the information will be outdated. This is due to the way Constant Contact must stage emails to ensure their customers are not spammers.  Since we are adding such a large volume of contacts on a regular basis, it takes awhile to run the email. We will keep our Health Care Page updated as to when the bill passes through each committee.


Letter to Your Elected Officials on Capitol Hill

(Note:  This is an example — change this up a bit and add your own words.  Boilerplate letters don’t carry much weight!)

Dear Representative ___________ and Senators______________,
As your constituent, a fellow American, and citizen of your state, I am writing to ask you to vote against any bill that will give the government increased control over healthcare and will lead to nationalized health care in the United States. 
The documented accounts of rationing of medical services, long wait line for diagnosis and then longer wait lines for treatment, and inferior medical care cannot be ignored.  In America, while our health care system may not perfect, we are able to choose our doctors, the doctors determine the best course of treatment for their patients, and there is no rationing of medical services.  Additionally, in America, uninsured patients cannot be denied treatment in public hospital emergency rooms, so those uninsured patients are able to get the treatment they need in a timely manner.
If you insist on voting for government politicians to take over my health care, I implore you to do 4 things:

Promise and commit to change your health insurance and your immediate family members’ health insurance to the new government run program.

Promise and sign the pledge to read the bill and allow public input on the final bill for a minimum of 72 hours before voting.

Guarantee you will vote against any bill that will lead to rationing of medical services, that will limit in any way the ability for a patient to choose his or her doctor, and that will cause longer wait times before diagnosis and before treatment.

Guarantee you will vote against any bill that will increase the cost of medical care through increased taxes, reduced competition of medical providers, reduced competition of private sector health insurance.

Will you make these four commitments to your voters and American taxpayers?  If you will not make these four commitments, why won’t you?  What stands in your way of making these promises to insure that the superior medical care in America is not compromised in anyway?  Why would you vote for a bill and then be unwilling to live by its consequences as an example to your constituents? 
Please answer these questions in a return mailing to me.  I eagerly await your reply as the future of my physical well being now seems to be in your hands.  Thank you!
Your Constituent

Tea Party Patriots

July 18, 2009 Posted by | (Definitely Not) Free Markets, (Un)Limited Government, Action Alert, Agenda of the Left, Family, Fiscal (Ir)Responsibility, Politics, Wake Up | , , , , , , , , , , , | 3 Comments