Why Coinsurance Costs Start Small but Can Explode if You’re Not Paying Attention
Key Takeaways
Coinsurance under the PSHB program can appear modest at first but quickly compo…
Why Medigap Premiums May Be the Steady Expense You Didn’t Expect to Rise
Key Takeaways
Medigap premiums in 2025 continue to rise steadily, making it essential for postal retirees and workers to monitor these costs closely.Understanding how Medigap premi…
The Medigap Question That Becomes More Urgent Once You’re Already in PSHB
Key Takeaways
Being enrolled in a PSHB plan does not automatically mean you don’t need Medigap. In fact, once you’re in PSHB and
You Might Assume Medicare Part A Covers It All, But PSHB Says Otherwise
Key Takeaways
Medicare Part A offers essential hospital coverage, but it does not cover everything you might expect. There are limitations on services, costs, and timelines that can leave gaps in…
Why Your Drug Costs Could Still Surprise You Under Medicare Part D in 2025
Key Takeaways
The $2,000 out-of-pocket cap in Medicare Part D for 2025 offers relief but doesn’t eliminate all cost-sharing, especially early in the year.PSHB enrollees with Medicare must underst…
When a Part C Plan Sounds Great on Paper—But Doesn’t Fit Your Doctor Network
Key Takeaways
Many Medicare Part C plans offer appealing extras but come with limited provi…
You Only Get One Chance to Pair Medicare and PSHB the Right Way—Here It Is
Key Takeaways
Your window to coordinate Medicare and your PSHB coverage correctly often comes just once, especially if you’re already Medicare-eligible or approaching eligibility soon.Missing key…
One Medicare Mistake Can Trigger Cascading Issues With Your PSHB Health Plan
Key Takeaways
Missing Medicare Part B enrollment when required can result in the loss of
Some PSHB Deductibles Are Hidden Behind Benefit Language—Here’s Where to Find Them
Key Takeaways
Some Postal Service Health Benefits (PSHB) plans include deductibles that are not clea…
PSHB Deductibles Aren’t Just a Number—They Can Affect When Your Coverage Actually Kicks In
Key Takeaways
In 2025, PSHB deductibles directly influence when your benefits begin paying out, often delaying coverage until you meet a specific cost threshold.