You Met the Deductible… Or Did You? How PSHB Plans Make It Confusing

Key Takeaways
Even after you believe you have met your deductible under a PSHB plan, hidden exclusions and timing rules can leave you paying out-of-pocket.Understanding the differences between in…

What Changes When You Move from FEHB to PSHB (and What Stays Frustratingly the Same)

Key Takeaways
The PSHB program replaces FEHB for

How Medicare Part B Fits into PSHB—and When It’s No Longer Optional

Key Takeaways
In 2025, Medicare Part B enrollment becomes mandatory for many Postal Service annuit…

What You Actually Pay in PSHB After Government Contributions Are Factored In

Key Takeaways
In 2025, the government pays approximately 70% of your PSHB premium, but the remaining 30% can still represent a significant monthly cost—especially for family coverage.Your r…

How Your Biweekly Contribution Doesn’t Tell the Whole Story on Plan Costs

Key Takeaways
Your biweekly premium only represents part of your total healthcare s…

Before You Skip Medicare Part B, Read This If You’re a USPS Retiree

Key Takeaways
USPS retirees who are eligible for Medicare and are enrolled in the

Medicare Part A: What’s Free, What’s Not, and Why Some People End Up Paying More Than Expected

Key Takeaways
Medicare Part A is free for most

How Coinsurance Really Works and Why Some Government Employees End Up Paying More Than Others

Key Takeaways
Coinsurance can significantly impact your out-of-pocket costs, especially under the Postal…

Who Can Enroll in PSHB and Who Might Need to Look for Alternative Healthcare Coverage?

Key Takeaways
If you’re a USPS employee or retiree, you’re likely eligible for PSHB—but there are exceptions that might surprise you.Family members and former spouses may not qu…

You Don’t Need to Read Everything—Just These PSHB Resources That Actually Help

Key Takeaways
You don’t need to waste hours reading everything available about the Postal Service …