What You Pay vs. What the Government Covers: Understanding the Split in PSHB Contributions
Key Takeaways
In 2025, the U.S. government covers about 70% of the total premium cost for most PSHB enrollees, while retirees and employees contribute the remaining 30%, which can still be substantial depending …
Why Deductibles Can Be the Most Overlooked but Costliest Part of PSHB Plans
Key Takeaways
PSHB deductibles may appear manageable on paper, but they can add up quickly and significantly impact your annual
What Retirees Like About PSHB Over FEHB Might Not Matter in Your Specific Case
Key Takeaways
Many retirees report high satisfaction with PSHB plans, but the features the…
The Real Financial Impact of Saying No to Part B When You’re in PSHB
Key Takeaways
Enrolling in Medicare Part B is not optional for many Postal retirees under PSHB. Skipping it can lead to higher out-of-pocket costs, penalties, and even loss of drug coverage.In 20…
Don’t Let the Familiar Name Fool You: Why PSHB Isn’t Just Another Version of FEHB
Key Takeaways
While the Postal Service Health Benefits (PSHB) program shares structural similarities with FEHB, it introduces separate rules, eligibility criteria, and integration mechanisms that make it functio…
A Closer Look at Medicare Part A Reveals Costs You Didn’t Budget For
Key Takeaways
Even though Medicare Part A is often described as “premium-free,” you may still face substantial costs—including deductibles, coinsurance, and coverage limitations—that can add up quick…
You’ll Want to Read This Before Relying Solely on Part D for Prescription Coverage
Key Takeaways
Relying exclusively on Medicare Part D for prescriptions under the PSHB program…
The Copayment Curveball: What Your Doctor Visit Actually Costs You Under PSHB Coverage
Key Takeaways
Copayments under the Postal Service Health Benefits (PSHB) Program may seem like fixed f…
Switching From FEHB to PSHB? These Are the Differences That Actually Matter
Key Takeaways
The shift from FEHB to PSHB in 2025 introduces structural changes that affect premiums, deductibles, and Medicare coordination for
Why Medicare Rules Trip Up So Many First-Time Enrollees (Especially Retired Postal Workers)
Key Takeaways
Many retired Postal workers mistakenly assume that turning 65 automatical…