How the Postal Service and Retirees Are Splitting Healthcare Costs—and Why It’s Not Even
Key Takeaways
Although the Postal Service contributes significantly toward healthcare premiums, retirees in 2025 are still paying more out of pocket due to how the cost-sharing formulas work.The …
Medicare Supplement Coverage Isn’t Designed for PSHB Users—But Some Still Buy It
Key Takeaways
Medicare Supplement (Medigap) coverage is generally unnecessary for Postal Service Health Benefits (PSHB) enrollees who already have comprehensive health coverage, especially when paired with Medic…
Medicare Supplement Coverage Isn’t Designed for PSHB Users—But Some Still Buy It
Key Takeaways
Medicare Supplement (Medigap) coverage is generally unnecessary for Postal Service Health Benefits (PSHB) enrollees who already have comprehensive health coverage, especially when paired with Medic…
When Medicare Advantage Promises More—but Quietly Delivers Less Than You Thought
Key Takeaways
Medicare Advantage plans often appear more generous than they are, especiall…
Combining PSHB and Medicare? It’s a Smart Move—But Only If You Know This First
Key Takeaways
Coordinating Medicare with your Postal Service Health Benefits (PSHB) plan in 2025 can reduce your overall healthcare costs, but only if you understand how they interact.Certain Med…
Why Medicare Isn’t Enough By Itself If You’re Hoping to Avoid Surprise Healthcare Bills
Key Takeaways
Medicare alone doesn’t cover everything—and even with Part A, Part B, and Part D, you may still face considerable out-of-pocket costs.As a Postal Service Health Benefits…
What All-in-One Coverage Doesn’t Always Include in a Medicare Part C Plan
Key Takeaways
While Medicare Part C (Medicare Advantage) plans appear to offer all-in-one coverage, they often come with network restrictions, cost-sharing, and exclusions that are not obvious upfront.
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
What Medicare Part D Really Pays For—and What You Still Owe at the Pharmacy Counter
Key Takeaways
Medicare Part D in 2025 offers better protection with a $2,000 cap on out-of-pocket prescription costs, but it doesn’t eliminate all expenses.If you’re a Postal Service …
Copays Can Seem Minor—Until You Stack Them Across Multiple Specialists and Visits
Key Takeaways
Copayments under PSHB plans might appear low individually but can accumulate…