Your Coinsurance Isn’t a Fixed Percentage—And That’s Where the Real Risk Lies
Key Takeaways
Coinsurance under the Postal Service Health Benefits (
This PSHB Rule Requires Medicare Part B—and There Are No Exceptions After Retirement
Key Takeaways
If you’re a Postal Service retiree or annuitant who is eligible for Medicare,
Why Automatic Enrollment in PSHB Isn’t Always as Automatic as You Were Told
Key Takeaways
Automatic enrollment in the PSHB program only applies to certain groups, and misunderstanding these details could result in a lapse in your health coverage.Not everyone who was enro…
You’re Paying More Than You Think—Understanding What PSHB Contributions Really Cover
Key Takeaways
Your biweekly PSHB contributions are only part of the total costs you cover; deductibles, coinsurance, copayments, and prescription expenses can significantly increase your overall out-of-pocket bu…
How Medicare Part A and PSHB Split Costs—And Where It Leaves You Exposed
Key Takeaways
Medicare Part A and your PSHB plan don’t cover every cost equally—and some gaps may surprise you if you’re not prepared.Knowing who pays first and what each plan l…
The Coinsurance Amount May Seem Harmless—Until a Hospital Visit Turns It Into a Major Cost
Key Takeaways
Coinsurance under your PSHB plan can appear manageable—until you’re faced…
This One Medicare Advantage Detail Might Conflict With What Your PSHB Plan Offers
Key Takeaways
A Medicare Advantage plan may include rules or provider networks that conflict with your PSHB plan’s benefits, especially when both plans attempt to manage your care.If you ar…
What PSHB Advertises vs. What It Actually Covers Could Surprise You at Retirement
Key Takeaways
While PSHB plans advertise broad retiree health coverage, the actual benefit…
You’ll Pay More Out of Pocket in Copays Under PSHB If You Miss This Rule
Key Takeaways
You may end up paying significantly higher copays under PSHB if you overlook critical plan coordination rules, especially those involving Medicare Part B.Avoidable out-of-pocket cos…
Medicare Advantage Plans in 2025 Are Cutting Back Quietly—Here’s What’s Vanishing
Key Takeaways
Many Medicare Advantage plans in 2025 are reducing or eliminating certain su…