How to Spot When Copayments Start Replacing Real Coverage Without You Even Noticing
Key Takeaways
Even with Medicare and PSHB working together, you may still face mount…
Premiums, Contributions, and Everything Between: What Your PSHB Deductions Really Cover (and Don’t)
Key Takeaways
Your monthly PSHB premium is only part of the picture. The federal government contributes roughly 72% of the total premium cost, but you’re still responsible for the rest—plus out-of-pocket ex…
Deductibles Feel Like a Minor Detail—But They Often Decide How Affordable Your Plan Really Is
Key Takeaways
A plan’s deductible isn’t just a fine-print figure—it’s often what determines whether your
Switching from FEHB to PSHB? Here’s What Gets Better, What Changes, and What Might Surprise You
Key Takeaways
The Postal Service Health Benefits (PSHB) program officially replaces FEHB for USPS emplo…
Most Retirees Think They Know Medicare—But the Gaps Show Up When It’s Too Late
Key Takeaways
While Medicare and PSHB plans can work well together, failing to under…
You Might Love the Extra Perks of Medicare Advantage, But Watch What You Give Up in Return
Key Takeaways
While Medicare Advantage plans may appear attractive due to added perks, the…
You Can’t Just Assume Medicare Automatically Enhances PSHB—The Relationship Is More Complicated
Key Takeaways
Medicare and PSHB can complement each other, but only when you understand how e…
You Can’t Just Assume Medicare Automatically Enhances PSHB—The Relationship Is More Complicated
Key Takeaways
Medicare and PSHB can complement each other, but only when you understand how e…
Even If You Paid Into Medicare, Part A Still Has Costs You Might Not Be Ready For
Key Takeaways
Medicare Part A may be premium-free for most PSHB-eligible retirees, but it is not cost-free. You are responsible for deductibles, coinsurance, and potential limits on coverage that could result in …
Medicare Part B Isn’t Always Optional—Especially for Postal Retirees Who Want Full PSHB Benefits
Key Takeaways
As of 2025, most Medicare-eligible Postal retirees must enroll in Medicare Part B to keep full