Prescription Coverage Under PSHB and Medicare: What Sounds Good Isn’t Always Complete
Key Takeaways
In 2025, PSHB enrollees who are eligible for Medicare must understand how their
Adding Medigap Might Sound Smart—Until You Compare It to What PSHB Already Covers
Key Takeaways
Medigap might duplicate benefits already offered under the Postal Service Health Benefits (
What Happens When Medicare and PSHB Coverage Overlap—And When They Don’t
Key Takeaways
If you’re a Medicare-eligible Postal retiree, having both Medicare and PSH…
What You’re Actually Paying With a Copay—and Why It’s Not Always Worth It
Key Takeaways
A copayment under PSHB might feel like a small, manageable cost—but in reality, it can lead to disproportionately high expenses depending on the type and frequency of care you receive.
Why Deductibles Catch So Many Retirees Off Guard Right When They Need Care
Key Takeaways
Many PSHB enrollees underestimate how deductibles work, which can lead to surprising out-of-pocket costs, especially after retirement.Knowing when and how deductibles reset, and how…
The Medicare Mistake That Could Cancel Out Your PSHB Benefits Without You Realizing It
Key Takeaways
Failing to enroll in Medicare Part B when required can cause your PSHB benefits to be significantly reduced or even canceled.Not all retirees are affected the same way—eligibi…
You Might Be Paying for Redundant Coverage If You Add a Supplement to PSHB
Key Takeaways
Adding a Medicare Supplement (Medigap) plan to your Postal Service Health Benefits (PSHB) coverage may result in unnecessary overlap, especially if you are already enrolled in Medicare
Prescription Drug Coverage Is Changing Fast—What Part D Means Inside PSHB
Key Takeaways
In 2025, Medicare Part D prescription drug coverage is now integrated …
Even with Government Support, PSHB Costs in 2025 Are Quietly Adding Up
Key Takeaways
Even though the government covers a significant portion of PSHB premiums, your o…
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…