If You Ignore Medicare Part B Too Long, You Could Pay Penalties for the Rest of Your Life
Key Takeaways
Delaying Medicare Part B enrollment without qualifying for a Special Enrollment Pe…
If You’re Not Using These Free PSHB Tools, You Might Be Missing Critical Info
Key Takeaways
Several official and free PSHB tools are available to help you compare plans, e…
These Medicare Mistakes Could Seriously Limit What Your PSHB Plan Will Actually Pay For
Key Takeaways
Enrolling in Medicare Part B is not optional for many PSHB annuitants in 2025—it&r…
Why Medicare Isn’t Optional for Many PSHB Members—Even If It Feels Redundant
Key Takeaways
Even if you are already enrolled in a PSHB plan in 2025, Medicare Part B enrollment may still be mandatory, depending on your retirement date and age.Declining Medicare when require…
What Medigap Plans Overlap With PSHB—and When You’re Wasting Premiums
Key Takeaways
Medigap (Medicare Supplement Insurance) is generally unnecessary when you’re enrolled in a PSHB plan, especially if you also have Medicare Parts A and B.Paying for both PSHB a…
What You Pay vs. What the Government Covers: Understanding the Split in PSHB Contributions
Key Takeaways
In 2025, the U.S. government covers about 70% of the total premium cost for most PSHB enrollees, while retirees and employees contribute the remaining 30%, which can still be substantial depending …
Why Deductibles Can Be the Most Overlooked but Costliest Part of PSHB Plans
Key Takeaways
PSHB deductibles may appear manageable on paper, but they can add up quickly and significantly impact your annual
What Retirees Like About PSHB Over FEHB Might Not Matter in Your Specific Case
Key Takeaways
Many retirees report high satisfaction with PSHB plans, but the features the…
The Real Financial Impact of Saying No to Part B When You’re in PSHB
Key Takeaways
Enrolling in Medicare Part B is not optional for many Postal retirees under PSHB. Skipping it can lead to higher out-of-pocket costs, penalties, and even loss of drug coverage.In 20…
Don’t Let the Familiar Name Fool You: Why PSHB Isn’t Just Another Version of FEHB
Key Takeaways
While the Postal Service Health Benefits (PSHB) program shares structural similarities with FEHB, it introduces separate rules, eligibility criteria, and integration mechanisms that make it functio…