Still Think Your Coinsurance Costs Are Small? Here’s How They Can Snowball Into Thousands
Key Takeaways
Coinsurance under PSHB can seem manageable at first glance, but it quickly becomes a financial burden during extended care, hospitalizations, or when specialists and out-of-network providers are in…
Don’t Choose a Medigap Plan Based on Premiums Alone—It’s Not That Simple
Key Takeaways
A Medigap plan’s premium is just one part of the picture. In 2025, the most important factors also include coverage details, rate increase history, and how the plan works with your Postal Service
What You Lose in Flexibility When You Say Yes to a Medicare Advantage Plan
Key Takeaways
Medicare Advantage plans may limit your provider choices and require prior a…
Why Medicare Is Required for Some PSHB Enrollees—And What Happens If You Don’t Enroll
Key Takeaways
Certain Medicare-eligible PSHB enrollees are required to enrol…
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…
What Really Changes When You Have Both Medicare and PSHB—and Why Timing Matters
Key Takeaways
Having both Medicare and Postal Service Health Benefits (
Skip Medicare Part B Now, Pay For It For Life: Why Late Enrollment Isn’t Just a Minor Fee
Key Takeaways
If you’re a Postal Service retiree or annuitant eligible for Medicare, skipping Medi…
What Your Deductible Actually Covers (And What You’ll End Up Covering Anyway)
Key Takeaways
Your PSHB deductible does not cover everything—and knowing exactly what i…
Just Because There’s a Cap Doesn’t Mean You’re Safe From Drug Cost Surprises
Key Takeaways
The new $2,000 annual out-of-pocket cap under Medicare Part D in 2025 of…
Why That First $500 or $1500 Deductible Hits Harder Than It Looks on Paper
Key Takeaways
The deductible is one of the largest out-of-pocket costs in your Postal Service Health Ben…