Medigap Premiums Can Be Worth It—Especially When Your PSHB Plan Leaves Gaps Unfilled
Key Takeaways
Even with robust coverage through the Postal Service Health Benefits (PSHB) Prog…
The Differences Between FEHB and PSHB That Matter Most—But Get Discussed Least
Key Takeaways
Although PSHB may appear similar to FEHB on the surface, core differences in plan structure, Medicare integration, and cost-sharing impact your wallet and coverage experience more than you might exp…
If You’re Expecting FEHB-Style Benefits Under PSHB, You Could Be in for a Surprise
Key Takeaways
The PSHB program in 2025 introduces changes that differ significantly from …
Deductibles Aren’t Just a Yearly Expense—They Shape How Much You Really Use Care
Key Takeaways
Your deductible affects more than just your annual out-of-pocket cost—it ca…
How Medicare Coordinates with PSHB Benefits—And Why the Timing of Enrollment Matters
Key Takeaways
Your enrollment in Medicare directly affects how your PSHB benefits work, especially once you reach age 65 or become otherwise eligible.Missing the appropriate Medicare enrollment w…
PSHB Prescription Coverage and Part D Might Overlap—But They’re Not Interchangeable
Key Takeaways
In 2025, the prescription drug coverage under the Postal Service Health Benefits (PSHB) program works in tandem with Medicare Part D, but these two coverages are not interchangeable. Each plays a di…
If You’re Counting on Medicare Alone, You Might Be Leaving Yourself Exposed
Key Takeaways
Relying solely on Medicare in 2025 can leave you responsible for unexpected out-of-pocket costs, gaps in coverage, and limited access to certain services.Coordinating your Medicare …
You Might Be Covered, But Until You Meet the Deductible—You’re Mostly on Your Own
Key Takeaways
Your PSHB coverage does not fully protect you until you’ve met your an…
Why Medicare Part C Might Not Be the Right Fit if You Use PSHB or Travel Often
Key Takeaways
If you are enrolled in the Postal Service Health Benefits (PSHB) progr…
The Medical Services That Part B Covers—and the Hidden Costs People Don’t Talk About
Key Takeaways
Medicare Part B covers a wide range of outpatient and physician services, but many ser…
