When Medigap Isn’t Necessary at All—Because Your PSHB Plan Already Does It Better
Key Takeaways
Medigap plans are not required for most Postal retirees enrolled in PSHB with Medicare P…
If You Haven’t Looked at PSHB Yet, This Transition Period Is Your Wake-Up Call
Key Takeaways
The PSHB transition has already begun, and waiting any longer could mean missing critical deadlines or making ill-informed choices.If you are a USPS employee, retiree, or eligible f…
Why You Should Look Twice at the Contribution Column on Your PSHB Premium Sheet
Key Takeaways
The contribution column on your PSHB premium sheet doesn’t reflect the total co…
PSHB Doesn’t Automatically Fill the Gaps Medicare Part A Might Leave Behind
Key Takeaways
While Medicare Part A provides essential hospital coverage, it does not cover every cost associated with inpatient or post-acute care, which means
Before You Buy Medigap, Consider What You’re Already Getting From Your PSHB Plan
Key Takeaways
Your 2025 PSHB plan may already include benefits similar to what Medigap offers, making additional Medigap coverage unnecessary or even counterproductive.Understanding your PSHB ben…
The Difference Between In-Network and Out-of-Network Copays in PSHB Isn’t Always Obvious
Key Takeaways
In-network and out-of-network providers under PSHB plans come with vas…
How Frequent Copays Could Turn Your “Affordable” PSHB Plan Into a Costly One
Key Takeaways
Frequent copays under PSHB in 2025 can quietly accumulate and outpace your expectations, especially if you need multiple visits or treatments in a short time.A plan that appears aff…
The Flashy Extras in Medicare Advantage Plans? They Might Not Be There Much Longer
Key Takeaways
Many supplemental benefits in Medicare Advantage plans are being reduced or eliminated…
Prescription Coverage Gaps Haven’t Vanished—Even With New Medicare Part D Rules
Key Takeaways
Despite the 2025 improvements to Medicare Part D, such as the $2,000 out-of-pocket cap, there are still areas where
Why Your PSHB Contributions May Keep Rising—Even If Your Coverage Looks the Same
Key Takeaways
Your PSHB premium contributions may rise in 2025 even if you stay in the same plan, due to cost-sharing formulas, inflation, and shifts in government contribution levels.Understandi…
