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My reply to the editor. Currently people pay medicare so that 330 a month for a couple and lets say NALC insurance rated the best come in at 456 a month……That’s 786 a month . Likely under PSHB the rate will be under my medicare advantage plan and PSHB will be a 85 a month rebate to us or 170 a month on medicare premiums and the PSHB plan will be 235 a month. So that would be 330 medicare less 170 is 160 plus 235 PSHB…….So 405 a month is a lot cheaper than 786 a month. Your OPINE is wrong

I do not believe my opinion is inaccurate and I do not believe your opinion is accurate. I mosst certainly do not agree that the NALC plan is the best health coverage. I believe Federal B/C/ B/S is the best cost and coverage.

However, at this point in time for this idiot PSHB to go into effect absolutely none of us know what the costs will be or the benefits for said plans.

Even OPM states the following:

– It is estimated that the cost of coverage for Postal employees and their eligible family members is slightly higher than for the other Federal employees. The creation of a separate risk pool for Postal Service employees and annuitants will result in premiums that are more reflective of the resulting Postal and non-Postal populations.

– The expected decrease in FEHB plan premiums would be mirrored by a slight increase in PSHB premiums, although this increase would be minimal compared to the expected decrease in premium due to Medicare enrollments, meaning that the likely result will be lower premiums for PSHB plans compared with current FEHB plan premium amounts.

– We estimate that approximately 100,000 Postal Service annuitant subscribers aged 65+ currently enrolled in the FEHB Program are not enrolled in Medicare Part B and, thus, would be eligible for the SEP. Given that these individuals have previously elected not to enroll in Part B, it is estimated that around 30% of current Postal Service annuitants will choose to enroll during the SEP. For these individuals, the additional late enrollment penalties will be transferred to the Postal Service.

Despite the assumption that not all carriers will offer both FEHB plans and PSHB plans, it is likely that the PSRA will increase the total number of plans covering both the Postal and greater FEHB population. This will result in smaller risk pools within each plan, which could lead to greater uncertainty with respect to costs. With smaller risk pools, each enrollee’s health status has a larger impact on total costs. This can create greater variability in annual premiums. Smaller risk pools increase individual plans’ exposure to high-cost outlier events, as there are fewer low or average-cost enrollees to offset these costs. Administrative costs would also be spread across smaller risk pools. To ensure financial solvency in such scenarios, plans may seek to price this additional risk exposure into premiums, resulting in an increase in the aggregate costs for all PSHB plan and FEHB plan enrollees compared to the baseline.

So, as I said, at this point nobody knows what the outcome will be. It is so wrong to push retirees into PSHB coverage. I understand USPS wanting to save money, but doing so on the backs of those who worked hard to retire and have good affordable health coverage is nothing but dirty politics. Rick Owens – PEN

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Trang An Golf and Resort