You’re Covered… Until You’re Not: Why Part A Limits Can Wreck Your Budget Fast
Key Takeaways
Medicare Part A has a strict structure with coverage limits that can lead to…
Even with Medicare Part D, Drug Costs Can Still Surprise You More Than You Expect
Key Takeaways
Even with the new 2025 out-of-pocket cap under Medicare Part D, your drug cos…
What You Gain in Medicare Advantage May Cost You in Unexpected Trade-Offs
Key Takeaways
Medicare Advantage plans may seem attractive for their added benefits, b…
Why Thinking PSHB and FEHB Are Essentially the Same Could Leave You Underprotected in 2025
Key Takeaways
The Postal Service Health Benefits (PSHB) Program in 2025 is no longer interchangeable…
Copayments Are Supposed to Be Predictable—So Why Do They Still Surprise So Many People Each Year?
Key Takeaways
Even though PSHB copayments are supposed to be fixed and predictable, many enrollees still experience confusion or unexpected bills, especially with specialist care and urgent care visits….
Medicare Part C Plans May Advertise More Benefits—But Watch What They Actually Leave Out
Key Takeaways
Medicare Advantage (Part C) plans may advertise extensive extra benefits, but many of those features come with restrictions, conditions, or trade-offs in network access and out-of-pocket costs….
What You’ll Actually Pay for Outpatient Care If You Only Have Part B
Key Takeaways
Medicare Part B covers outpatient care, but it does not cover everything. You are still responsible for deductibles, coinsurance, and excess charges.Combining Medicare Part B with y…
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…
How the Postal Service and Retirees Are Splitting Healthcare Costs—and Why It’s Not Even
Key Takeaways
Although the Postal Service contributes significantly toward healthcare premiums, retirees in 2025 are still paying more out of pocket due to how the cost-sharing formulas work.The …
Medicare Supplement Coverage Isn’t Designed for PSHB Users—But Some Still Buy It
Key Takeaways
Medicare Supplement (Medigap) coverage is generally unnecessary for Postal Service Health Benefits (PSHB) enrollees who already have comprehensive health coverage, especially when paired with Medic…