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Phillip Ramos

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  • Chula Vista, California
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Why Medicare Part C Could Interfere With Your PSHB Coverage in Unseen Ways

Key Takeaways Enrolling in a Medicare Part C plan while also maintaining

Switching From FEHB to PSHB? These Are the Differences That Actually Matter

Key Takeaways The shift from FEHB to PSHB in 2025 introduces structural changes that affect premiums, deductibles, and Medicare coordination for

Why the New $2,000 Cap Doesn’t Guarantee Lower Drug Spending for Everyone

Key Takeaways The new $2,000 out-of-pocket cap on Medicare Part D drug spending in 202...

PSHB In 2025—Here’s the Timeline You Need to Stay On Track

Key Takeaways You must be enrolled in a Postal Service Health Benefits (PSHB) plan starting i...

Everything You Need to Know About Coinsurance and How It Impacts Your Overall Healthcare Costs

Key Takeaways Coinsurance is a cost-sharing mechanism that directly affects how much you pay for

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