All Medigap Plans Look the Same on Paper—Until You Compare What They Actually Pay
Key Takeaways
Medigap plans are standardized by letter (A through N), but what they actually cover in practice can differ due to timing, enrollment conditions, and provider billing.Postal retiree…
Don’t Be Fooled by a Low Premium—That Deductible Could Make You Pay a Lot More Later
Key Takeaways
A low premium may look attractive upfront, but high deductibles can significantly delay when your coverage actually begins to pay for services under a PSHB plan.After age 65, when M…
Choosing a Medigap Plan? Here’s Where the Costs Sneak In—And Stick Around
Key Takeaways
Medigap plans can help you manage healthcare costs, but hidden and rising expense…
Hospital Coverage Sounds Reassuring—Until You See Medicare Part A’s Fine Print
Key Takeaways
Medicare Part A provides hospital coverage, but it doesn’t m…
Breaking Down PSHB Plan Costs Without the Usual Confusion or Misleading Math
Key Takeaways
Understanding your full PSHB costs in 2025 requires looking beyond biweekly premiums to include deductibles,
How the New $2,000 Drug Cap in Part D Works Inside PSHB—And When It Doesn’t
Key Takeaways
The new $2,000 out-of-pocket cap on prescription drugs under Medicare Part D applies automatically inside
Why Your Deductible Feels Invisible—Until You’re Paying Thousands Before Coverage Kicks In
Key Takeaways
PSHB deductibles reset every January, requiring you to pay the full deductible am…
If You’re Turning 65 Soon, PSHB Won’t Wait for You to Get Organized
Key Takeaways
Turning 65 is a critical milestone for PSHB enrollees because Medicare enrollment becomes time-sensitive and mandatory for many retirees.Missing your Medicare Part B window could le…
Medicare Advantage Plans Change Every Year—Here’s What to Watch Before You Re-Enroll
Key Takeaways
Medicare Advantage plans change every year. You need to review more than…
Why Comparing FEHB and PSHB Takes More Than Just Looking at Premiums
Key Takeaways
Premiums alone don’t capture the full cost picture of Postal Service Health Benefits (PSHB) plans—deductibles, coinsurance, and Medicare integration significantly affect what you actual…
