Copayments Are No Longer Predictable—Why 2025 Brought Some Big Shifts
Key Takeaways
Copayments under the 2025 PSHB plans are no longer as straightforward as they once were. Many variables—including
How One Missed Deadline With Medicare Part B Could Disrupt Your Whole PSHB Plan
Key Takeaways
Missing your Medicare Part B enrollment deadline could cause your entire PSHB health coverage to collapse or become far more expensive than expected.If you are required to enroll in…
The Shift From FEHB to PSHB Is Bigger Than You’ve Been Told
Key Takeaways
The shift from the Federal Employees Health Benefits (FEHB) Program to th…
Why Medicare Part A Isn’t Always Enough to Handle the Full Cost of a Hospital Stay
Key Takeaways
Medicare Part A covers inpatient hospital care, but it comes with significant out-of-pocket costs that can add up quickly during prolonged or repeated hospital stays.As a
Coinsurance Can Seem Harmless—Until It Hits You After Major Medical Services
Key Takeaways
Coinsurance under PSHB plans can significantly increase your out-of-pocket c…
When Medicare and PSHB Clash, It’s Often the Patient Who Pays the Price
Key Takeaways
Medicare and PSHB are both critical parts of your
You Might Think You’re Covered—Until Coinsurance Quietly Changes Everything
Key Takeaways
Even with Postal Service Health Benefits (PSHB), coinsurance can significantly increas…
Your Premium Is Just the Beginning: Where Your PSHB Contributions Really Go Month After Month
Key Takeaways
Your monthly PSHB premium is just the starting point—additional costs like copayments, coinsurance, and deductibles add up quickly across the year.Understanding where your con…
What You Contribute Is Only Half the Picture—The Real Cost Shows Up Later
Key Takeaways
Your PSHB contribution on paper is only part of what you eventually pay. Additional costs like deductibles, coinsurance, and prescription caps significantly impact your overall financial responsibi…
Medicare Might Seem Optional—But Your PSHB Coverage Could Say Otherwise
Key Takeaways
Medicare Part B enrollment is no longer a simple choice for many Postal Service annuitants—it’s now a PSHB requirement under certain conditions.If you or your covered family m…