When Medicare Becomes Primary, Does PSHB Still Cover Enough? Here’s What to Watch

Key Takeaways
Once Medicare becomes your primary coverage, PSHB acts as secondary insurance

FEHB vs PSHB: The Small Print That Can Have a Big Impact on Your Retirement Coverage

Key Takeaways
Transitioning from the Federal Employees Health Benefits (FEHB) program t…

Why Medicare Supplement Plans Still Have a Role—Even With PSHB Coverage in Place

Key Takeaways
Even with 2025 Postal Service Health Benefits (PSHB) coverage, you may face out-of-poc…

Part B Feels Optional—Until You Learn What Happens If You Skip It

Key Takeaways
Skipping Medicare Part B might seem like a way to cut costs in 2025, but doing so can lead to permanent late enrollment penalties, reduced

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

Can Medicare Advantage Replace Everything? Not Quite—Especially Not with Postal Plans

Key Takeaways
Medicare Advantage does not replace Postal Service Health Benefits (PSHB); b…

Here’s What Medicare Part A Really Covers—and What That Means for Your Wallet

Key Takeaways
Medicare Part A does cover essential hospital-related services, but you still face deductibles, coinsurance, and time-based limits that can leave you paying out-of-pocket sooner than expected.

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

Why the New $2,000 Cap Doesn’t Guarantee Lower Drug Spending for Everyone

Key Takeaways
The new $2,000 out-of-pocket cap on Medicare Part D drug spending in 202…

The Hidden Math Behind PSHB Coinsurance That Makes Routine Visits Less Predictable

Key Takeaways PSHB coinsurance percentages can seem reasonable at first glance, but the real costs often spike due to unpredictable service charges and billing structures.Understanding your plan’s …