Your Deductible Might Be Resetting Sooner Than You Think—Look for This Detail
Key Takeaways
PSHB deductibles typically reset every calendar year, but some situations may cause them to reset sooner than you expect.Understanding when and why your
The Most Popular Medicare Advantage Plans Are Also the Ones That May Limit Your Freedom
Key Takeaways
Medicare Advantage plans are widely popular but often come with significant limitations on your provider choices, prior authorizations, and geographic coverage.As a PSHB enrollee in…
What Percentage Are You Really Paying? The Surprising Math Behind PSHB Coinsurance
Key Takeaways
Coinsurance may appear to be a small percentage, but when applied to major medical services, it can result in thousands of dollars out-of-pocket.Understanding how coinsurance is cal…
The Fine Print Inside Medicare Part A That Catches Many People Off Guard
Key Takeaways
Medicare Part A is often misunderstood as “free hospital insurance,” but…
Why Coinsurance Can Feel Like a Moving Target When You Combine PSHB With Medicare
Key Takeaways
Combining Medicare with your PSHB p…
You Might Pay More Than You Think in Coinsurance, Especially for Out-of-Network Services
Key Takeaways
Coinsurance under the Postal Service Health Benefits (PSHB) program can become significantly m…
Skipping Medicare Part D Can Affect Your PSHB Coverage in Ways You Don’t Expect
Key Takeaways
Skipping Medicare Part D in 2025, even with PSHB drug coverage, can lead to gaps in prescription benefits and unexpected penalties.Part D’s integration with PSHB through Medicare Pa…
You Might Think Part A Covers Everything in the Hospital—But You’d Be Shocked What’s Left Out
Key Takeaways
Medicare Part A does not cover everything that happens in a hospital setting. Important gaps, such as observation stays, extended skilled nursing, and deductibles, often catch retirees off guard.
If You’re Choosing Medicare Advantage, Ask These Questions Before You Make It Official
Key Takeaways
Before selecting a Medicare Advantage plan as a Postal Service Health Benefits (PSHB) …
The Extra Insurance That Sometimes Adds Cost Without Adding Real Value to Your Care
Key Takeaways
Adding a separate Medicare Supplement (Medigap) policy to your Postal Service Health Benefits (PSHB) coverage in 2025 may result in higher out-of-pocket costs without proportionate added benefits.
