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…

Why You Still Need to Think About Part A, Even with Comprehensive PSHB Coverage

Key Takeaways
Medicare Part A plays a foundational role in how your PSHB benefits coordinate hospital-related costs, especially when you become Medicare-eligible.Even though your

You Can Have Both PSHB and Medicare—But Only If You Understand the Tradeoffs Involved

Key Takeaways
You can enroll in both PSHB and Medicare for broader

When $20 Copays Don’t Mean Savings: Why Frequent Care Trips Drain Your Wallet

Key Takeaways
Copayments under PSHB may appear modest, but if you receive frequent care, these fixed amounts accumulate rapidly and can significantly impact your monthly expenses.Understanding ho…

What You Gained with FEHB That Might Be Missing from the New PSHB System

Key Takeaways
While the Postal Service Health Benefits (PSHB) program replaces FEHB for

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…

If You Rely on Medication, Part D’s New $2,000 Cap Might Be a Game-Changer

Key Takeaways
The new $2,000 annual out-of-pocket cap for Medicare Part D in 2025 offers meaningful financial relief to those who depend on expensive prescription medications, especially

PSHB Deductibles Compared: What In-Network and Out-of-Network Costs Mean for Your Wallet

Key Takeaways
Understanding in-network and out-of-network costs is crucial for making the most of your