What USPS Employees Need to Know About FEHB vs. PSHB and How It Affects Retirement Planning
Key Takeaways
The switch from FEHB to PSHB in 2025 changes how USPS health benefits interact with Medicare and retirement planning.Understanding your options now can help you avoid gaps in covera…
3 Reasons You Might Not Qualify for PSHB—And What to Do About It
Key Takeaways
You must actively enroll during the designated enrollment period; automatic enrollment doesn’t always apply.
You’ll Need Medicare Part B More Than You Think—But It’ll Cost You First
Key Takeaways
Enrolling in Medicare Part B is critical for protecting your access to outpatient care, even if you already have Postal Service Health Benefits (PSHB) coverage.In 202…
From Premiums to Out-of-Pocket: The Full Story on PSHB Costs
Key Takeaways
PSHB plans in 2025 come with a variety of costs beyond monthly premiums, including copayments, coinsurance, deductibles, and out-of-pocket maximums that can significantly affect your total yearly e…
Why Having Both PSHB and Medicare Isn’t Always the Best Choice for USPS Employees
Key Takeaways
While it might seem like doubling up on PSHB and Medicare gives you th…
Why Medicare Part A Isn’t Completely Free and What You Need to Budget for in Retirement
Key Takeaways
Medicare Part A may be premium-free for most USPS retirees, but out-of-pocket costs still apply, including deductibles and coinsurance.Planning ahead for hospital stays, skilled nur…
Deductibles Explained in PSHB Plans: 5 Important Considerations for Your Health Budget
Key Takeaways
Understanding your PSHB deductible helps you manage healthcare expenses and avoid unexpected costs.PSHB plans have varying deductible structures, so comparing options…
Mark Your Calendar: These PSHB Deadlines Are Closer Than You Think
Key Takeaways
Several important deadlines for the Postal Service Health Benefits (PSHB) Program affect your coverage in 2025, and missing them could mean losing access or paying more for healthcare….
The Catch with Medicare Supplement Plans That Rarely Comes Up Until It’s Too Late
Key Takeaways
Medicare Supplement (Medigap) plans may look like a secure option, but limitations around enrollment and coverage can leave you unexpectedly exposed.For Postal Service retirees with…
What You Assume About PSHB Premiums Could Be Totally Wrong by the Time You Retire
Key Takeaways
The premiums you expect to pay under the Postal Service Health Benefits (PSHB) Program in ret…
