The Shift From FEHB to PSHB Is Bigger Than You’ve Been Told
Key Takeaways
The shift from the Federal Employees Health Benefits (FEHB) Program to th…
Why Medicare Part A Isn’t Always Enough to Handle the Full Cost of a Hospital Stay
Key Takeaways
Medicare Part A covers inpatient hospital care, but it comes with significant out-of-pocket costs that can add up quickly during prolonged or repeated hospital stays.As a
Coinsurance Can Seem Harmless—Until It Hits You After Major Medical Services
Key Takeaways
Coinsurance under PSHB plans can significantly increase your out-of-pocket c…
When Medicare and PSHB Clash, It’s Often the Patient Who Pays the Price
Key Takeaways
Medicare and PSHB are both critical parts of your
You Might Think You’re Covered—Until Coinsurance Quietly Changes Everything
Key Takeaways
Even with Postal Service Health Benefits (PSHB), coinsurance can significantly increas…
Your Premium Is Just the Beginning: Where Your PSHB Contributions Really Go Month After Month
Key Takeaways
Your monthly PSHB premium is just the starting point—additional costs like copayments, coinsurance, and deductibles add up quickly across the year.Understanding where your con…
What You Contribute Is Only Half the Picture—The Real Cost Shows Up Later
Key Takeaways
Your PSHB contribution on paper is only part of what you eventually pay. Additional costs like deductibles, coinsurance, and prescription caps significantly impact your overall financial responsibi…
Medicare Might Seem Optional—But Your PSHB Coverage Could Say Otherwise
Key Takeaways
Medicare Part B enrollment is no longer a simple choice for many Postal Service annuitants—it’s now a PSHB requirement under certain conditions.If you or your covered family m…
Still Think Your Coinsurance Costs Are Small? Here’s How They Can Snowball Into Thousands
Key Takeaways
Coinsurance under PSHB can seem manageable at first glance, but it quickly becomes a financial burden during extended care, hospitalizations, or when specialists and out-of-network providers are in…
Don’t Choose a Medigap Plan Based on Premiums Alone—It’s Not That Simple
Key Takeaways
A Medigap plan’s premium is just one part of the picture. In 2025, the most important factors also include coverage details, rate increase history, and how the plan works with your Postal Service