Thank you! I believe the people who have worked and paid into these programs have a right to know and should be notified with a right to comment as to what and when items are being cut from them. And, it's unfair to expect someone to go PURCHASE a supplemental policy for what they have already paid taxes. Eventually, it will be to the point that the supplemental policies cost as much as individual policies. So, why have we paid taxes into these programs for our entire working life if we will still have to purchase what should have been covered in the benefits package.