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David Donovan

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  • Oklahoma City, Oklahoma
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  • David Donovan

That Special Enrollment Window Was a Lifesaver—Here’s Why

Key Takeaways The Special Enrollment Period (SEP) in 2024 was critical for many USPS employee...
  • David Donovan

What Happens If You Miss the PSHB Deadline? It’s Not the End, But It Might Cost You

Key Takeaways Missing the PSHB enrollment deadline in 2025 doesn’t mean you lose all access to coverage, but your options may become limited and more expensive.Some exceptions and
  • David Donovan

The Coinsurance Curveball Hidden Inside Medicare Part A Coverage Rules

Key Takeaways Medicare Part A coinsurance costs can increase significantly during longer hospital stays, creating unexpected
  • David Donovan

When a $40 Copay Isn’t the End of the Story With PSHB Plans

Key Takeaways Your $40 copay might only cover part of the visit—labs, imaging, and facility fees often come later.In 2025,
  • David Donovan

Why Some Postal Retirees Drop Part C to Let PSHB Stand Alone—For Good Reason

Key Takeaways Dropping Medicare Part C can streamline your coverage and el...
  • David Donovan

The Flashy Extras in Medicare Advantage Plans? They Might Not Be There Much Longer

Key Takeaways Many supplemental benefits in Medicare Advantage plans are being reduced or eliminated...
  • David Donovan

The Real Price of ‘20% After Deductible’ That You Don’t See Coming

Key Takeaways Paying "20% after deductible" under a PSHB plan may seem manageable, but it can lead to thousands in out-of-pocket costs depending on the frequency and type of care you receive.Unde...
  • David Donovan

Here’s Where to Find Unbiased, Reliable Answers About Your PSHB Plan and Enrollment

Key Takeaways While the PSHB Navigator Help Line is a critical first stop for many
  • David Donovan

Don’t Rely on Word of Mouth—Here’s Where to Get PSHB Info That’s Actually Accurate

Key Takeaways In 2025, misinformation about the Postal Service Health Benefits (PSHB) program is common, especially from unofficial sources. Relying on trusted, official resources is essential for accurate decis...
  • David Donovan

How Monthly Premiums and Deductibles Impact Long-Term Healthcare Spending

Key Takeaways Monthly premiums and deductibles are pivotal in determining your overall healthcare expenses, impacting both immediate and long-term financial planning.Understanding how t...
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