The Problem With Copays Isn’t the Amount—It’s How Frequently You’re Expected to Pay Them
Key Takeaways
The true financial burden of copayments under your
Skipping Medicare Part B Doesn’t Just Cost You Later—It Can Also Cancel Other Coverage Options
Key Takeaways
If you skip Medicare Part B when you’re required to enroll, you risk losing critical access to Postal Service Health Benefits (PSHB) coverage or seeing major reductions in your benefits.
Why Comparing FEHB and PSHB Isn’t Apples to Apples—Even If the Coverage Looks Similar
Key Takeaways
While PSHB and FEHB plans may look nearly identical on the surface, they…
The Prescription Coverage Details in Part D That Catch People Off Guard Every Time
Key Takeaways
The 2025 Medicare Part D program includes a $2,000 annual out-of-pocket cap, but you can still face unexpected costs based on plan rules, tier levels, and formularies.
The Prescription Coverage Details in Part D That Catch People Off Guard Every Time
Key Takeaways
The 2025 Medicare Part D program includes a $2,000 annual out-of-pocket cap, but you can still face unexpected costs based on plan rules, tier levels, and formularies.
Hospital Coverage Under Medicare Part A Has Limits—And They’re Not Always Obvious
Key Takeaways
Medicare Part A covers hospital care, but your financial responsibility can increase quickly if your stay extends beyond standard coverage periods or includes out-of-network services.
Medicare Feels Like a Safety Net—Until You Realize How Many Costs Still Fall Through
Key Takeaways
Even with Medicare, you may still be responsible for significant out-of-pocket costs like deductibles, copayments, and coinsurance. PSHB plans can help fill some, but not all, of those gaps.
The Real Costs Behind Medicare Part A That Rarely Get Mentioned in Plan Descriptions
Key Takeaways
While Medicare Part A is often considered premium-free, it comes with significant out-of-pocket costs if you need extended hospital care or specialized services.As a Postal Service …
This Is What It Means to Share Costs Under PSHB—And It’s Not What You Expect
Key Takeaways
Your PSHB plan involves multiple types of cost sharing, including premiums, copays, coinsurance, and deductibles. These add up significantly beyond what you see on your paycheck.Und…
Medicare Advantage Plans in 2025 Sound Comprehensive—But Look Closer at the Coverage Gaps
Key Takeaways
While Medicare Advantage plans in 2025 appear comprehensive, many come …
