Why Copayments Matter More Than Most People Realize—Especially in Chronic Care Plans
Key Takeaways
Copayments may seem manageable per visit, but for chronic care patients under PSHB plans, they can compound quickly and become a significant financial burden over time.Understanding…
The Prescription Drug Cap Looks Great—Until You Hit a Tier Your Plan Doesn’t Like
Key Takeaways
The new $2,000 out-of-pocket cap under …
The Switch From FEHB to PSHB Isn’t Automatic—and Could Save You or Cost You
Key Takeaways
Switching from FEHB to PSHB is not always automatic; if you’re not paying attention, you could be enrolled in a plan that doesn’t align with your
Why Some Postal Retirees Are Shocked by Their Monthly Contributions After Open Season
Key Takeaways
Many postal retirees experience unexpected monthly contribution increases after Open…
How Medicare Eligibility Changes What You Owe Under PSHB Starting at Age 65
Key Takeaways
Once you reach age 65, becoming eligible for Medicare significantly changes what you pay under your PSHB plan. Premiums, deductibles, and cost-sharing can all shift based on whether or not you enrol…
What Retirees Get Wrong About Medicare and PSHB Working Together Seamlessly
Key Takeaways
PSHB and Medicare are not fully integrated systems; each has its own rules, timelines, and coverage requirements that must be managed together.Assuming automatic coordination betwee…
The Mistakes People Make Assuming Medicare Part A Covers Every Hospital Bill
Key Takeaways
Medicare Part A is not free and does not cover all hospital-related costs. Understanding its limitations is essential for effective
Thinking of Dropping Medicare Part B? Your PSHB Coverage Might Not Survive It
Key Takeaways
If you’re a Medicare-eligible Postal Service retiree, dropping Part B could jeopardize your PSHB plan and eliminate your
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…
This Medicare + PSHB Combination Needs Careful Planning or You Risk Gaps in Coverage
Key Takeaways
The combination of Medicare and PSHB requires precise coordination to avoid duplicate coverage or coverage gaps that could leave you financially exposed.In 2025, certain Medicare-el…
