Don’t Get Caught Paying Hundreds Before Coverage Kicks In—Know Your Deductible First
Key Takeaways
Your PSHB deductible can significantly affect when your benefits begin to offset healthcare expenses. Not knowing your deductible amount could lead to unexpected out-of-pocket costs, especially at …
You’ll Want to Read the Fine Print on Medicare Part A Before Your Next Hospital Visit
Key Takeaways
Medicare Part A may be premium-free for most, but it does not mean it’s cost-free. You still face potential out-of-pocket expenses, including a 2025 hospital deductible of $1,676 and daily coi…
The True Cost Breakdown of PSHB Coverage That You Don’t See on Your Pay Stub
Key Takeaways
Your PSHB paycheck deduction only shows part of the actual cost; the government is paying a significant portion you don’t see directly.Out-of-pocket expenses such as deductibles, co…
The Hospital Bills Part A Covers—and the Gaps You’re Still Responsible For Covering
Key Takeaways
Medicare Part A covers a wide range of hospital-related services, but it does …
You Might Be Sharing More Than You Think: The Hidden Math Behind PSHB Coinsurance Costs
Key Takeaways
Coinsurance under PSHB might seem straightforward, but the actual amounts you pay out of pocket can vary dramatically depending on your service, provider, and Medicare status.In 202…
Meeting Your Deductible Doesn’t Mean You’re Covered—Here’s What Comes Next
Key Takeaways
Reaching your PSHB deductible is only the first step. Significant out-of-pocket costs can still occur due to coinsurance, copayments, and plan limits.Understanding what happens afte…
Medicare Advantage Might Sound Good—But How Will It Interact with Your PSHB Benefits?
Key Takeaways
Enrolling in a Medicare Advantage plan while covered under the
Coinsurance Is Easy to Ignore on Paper, But It’s One of the First Costs You’ll Feel
Key Takeaways
Coinsurance is a percentage-based cost-sharing feature under PSHB plans that…
How to Spot When Copayments Start Replacing Real Coverage Without You Even Noticing
Key Takeaways
Even with Medicare and PSHB working together, you may still face mount…
Premiums, Contributions, and Everything Between: What Your PSHB Deductions Really Cover (and Don’t)
Key Takeaways
Your monthly PSHB premium is only part of the picture. The federal government contributes roughly 72% of the total premium cost, but you’re still responsible for the rest—plus out-of-pocket ex…