This PSHB Deductible Clause Can Quietly Reset Mid-Year Without Any Formal Notice
Key Takeaways
Your deductible under a PSHB plan can reset mid-year in ways that are not clear…
You Might Miss Critical Coverage If You Choose the Wrong PSHB Option This Year
Key Takeaways
Choosing the wrong Postal Service Health Benefits (PSHB) option in 2025 can leave you …
Can You Really Combine Medicare Advantage With PSHB Without Redundant Coverage?
Key Takeaways
Medicare Advantage is not required for
Don’t Ignore Your Copays Just Because They Look Harmless—They Rarely Are
Key Takeaways
Copayments under the Postal Service Health Benefits (PSHB) Program may appear small indi…
You Could Be Double Paying for Drugs if You Combine Part D With PSHB
Key Takeaways
Enrolling in both Medicare Part D and a
Small Changes in Contribution Rates Can Have Big Effects on PSHB Affordability Over Time
Key Takeaways
Even modest increases in PSHB contribution rates can add up significantly over time, especially for annuitants on fixed incomes.Understanding your plan structure and monitoring annu…
The Copay Trap in 2025 PSHB Plans That Could Add Up Before You Notice
Key Takeaways
In 2025, copayments under PSHB plans may seem small at first but can lead to significant out-of-pocket costs if you aren’t tracking them closely.Understanding how your PSHB pl…
PSHB Plus Medicare Advantage? Why This Combo Isn’t Always as Easy as It Seems
Key Takeaways
Combining your PSHB plan with a Medicare Advantage plan in 2025 might seem appealing at first, but can bring unexpected complexities, limitations, or even duplicated costs.Not all
Your Coinsurance Isn’t a Fixed Percentage—And That’s Where the Real Risk Lies
Key Takeaways
Coinsurance under the Postal Service Health Benefits (
This PSHB Rule Requires Medicare Part B—and There Are No Exceptions After Retirement
Key Takeaways
If you’re a Postal Service retiree or annuitant who is eligible for Medicare,