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Joshua Melendez

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  • Cincinnati, Ohio
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Why the PSHB Shift Isn’t Just Administrative—It Could Reshape Your Retirement Planning

Key Takeaways The shift to the Postal Service Health Benefits (PSHB) program in 2025 is not just about new forms or plan

Medigap Fills Gaps—But Some Gaps Are Getting More Expensive Every Year

Key Takeaways Medigap, or Medicare Supplement Insurance, is designed to reduce your out-o...

This Coinsurance Clause Could Cost You More Than Your Yearly Premium if Ignored

Key Takeaways Coinsurance under PSHB plans in 2025 can add up quickly, especially if you u...

You Might Think You’re Covered—Until Coinsurance Quietly Changes Everything

Key Takeaways Even with Postal Service Health Benefits (PSHB), coinsurance can significantly increas...

Part C Plans Offer Convenience—But Look at the Fine Print Before Saying Yes

Key Takeaways Medicare Part C plans can seem attractive due to their bundled nature, but t...

Combining PSHB and Medicare? It’s a Smart Move—But Only If You Know This First

Key Takeaways Coordinating Medicare with your Postal Service Health Benefits (PSHB) plan in 2025 can reduce your overall healthcare costs, but only

Why Medicare Isn’t Enough By Itself If You’re Hoping to Avoid Surprise Healthcare Bills

Key Takeaways Medicare alone doesn’t cover everything—and even with Part A, Part B, and Part D, you may still face considerable out-of-pocket

Switching from FEHB to PSHB? Here’s What Gets Better, What Changes, and What Might Surprise You

Key Takeaways The Postal Service Health Benefits (PSHB) program officially replaces FEHB for USPS emplo...

Even If You Paid Into Medicare, Part A Still Has Costs You Might Not Be Ready For

Key Takeaways Medicare Part A may be premium-free for most PSHB-eligible retirees, but it is not cost-free. You are responsible for deductibles,

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