"...This pre-payment requirement is something that no other federal government agency or private corporation attempts to do—not to mention that there is no actuarial justification for such an accelerated payment schedule. The pre-funding requirement effectively forces the Postal Service to finance a $72 billion..."
Reference: scheerpost.com
So who needs Medigap plans?
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Snippet of Article: "...So who needs Medigap plans? Anyone with traditional
Medicare who wants help with out-of-pocket costs like coinsurance and
co-pays —...