What You Lose in Flexibility When You Say Yes to a Medicare Advantage Plan
Key Takeaways
Medicare Advantage plans may limit your provider choices and require prior a…
Why Medicare Is Required for Some PSHB Enrollees—And What Happens If You Don’t Enroll
Key Takeaways
Certain Medicare-eligible PSHB enrollees are required to enrol…
Why Your Copayments Under PSHB Plans Might Be Much Higher Than You Think
Key Takeaways
Many PSHB enrollees underestimate how quickly copayments can add up, especially for services like specialist visits, urgent care, and prescriptions.Even if you’ve budgeted for…
What Really Changes When You Have Both Medicare and PSHB—and Why Timing Matters
Key Takeaways
Having both Medicare and Postal Service Health Benefits (
Skip Medicare Part B Now, Pay For It For Life: Why Late Enrollment Isn’t Just a Minor Fee
Key Takeaways
If you’re a Postal Service retiree or annuitant eligible for Medicare, skipping Medi…
What Your Deductible Actually Covers (And What You’ll End Up Covering Anyway)
Key Takeaways
Your PSHB deductible does not cover everything—and knowing exactly what i…
Just Because There’s a Cap Doesn’t Mean You’re Safe From Drug Cost Surprises
Key Takeaways
The new $2,000 annual out-of-pocket cap under Medicare Part D in 2025 of…
Why That First $500 or $1500 Deductible Hits Harder Than It Looks on Paper
Key Takeaways
The deductible is one of the largest out-of-pocket costs in your Postal Service Health Ben…
When Medicare Becomes Primary, Does PSHB Still Cover Enough? Here’s What to Watch
Key Takeaways
Once Medicare becomes your primary coverage, PSHB acts as secondary insurance
FEHB vs PSHB: The Small Print That Can Have a Big Impact on Your Retirement Coverage
Key Takeaways
Transitioning from the Federal Employees Health Benefits (FEHB) program t…