When Deductibles Aren’t Clearly Listed, Your PSHB Plan Could Cost You More
Key Takeaways
PSHB deductibles in 2025 are not always easy to locate or understand on plan brochures or summaries, which can lead to underestimating your total annual out-of-pocket costs.If you s…
Choosing a PSHB Plan? These Coverage Factors Deserve More Attention Than You Think
Key Takeaways
PSHB plans may appear similar on the surface, but their differences can drastically impact your coverage and out-of-pocket costs.Don’t overlook factors like network access, co…
How Medicare Part A’s ‘Free Coverage’ Can Disappear Sooner Than You Expect
Key Takeaways
Medicare Part A is often described as “free,” but that coverage comes with strict limits that can lea…
Medicare Requirements Are Now Tied to PSHB—And That Changes Everything About Your Plan
Key Takeaways
If you’re a Medicare-eligible Postal Service retiree or family member, enrolling in Medicare Part B is now a requirement to keep your PSHB plan.Not enrolling in Medicare Part B if y…
Enrolling in PSHB? Watch for These Common Errors That Delay Coverage or Raise Costs
Key Takeaways
Missing or misunderstanding enrollment deadlines in the PSHB program can de…
That Deductible You Ignored Might Be Blocking Access to Your Full Benefits
Key Takeaways
Ignoring your PSHB deductible could delay or limit your access to full coverage benefits, particularly for specialist care, diagnostics, and hospital services.Understanding how and …
The Real Price of ‘20% After Deductible’ That You Don’t See Coming
Key Takeaways
Paying “20% after deductible” under a PSHB plan may seem manageable, but it can lead to thousands in out-of-pocket costs depending on the frequency and type of care you receive.Unde…
PSHB Prescription Drug Benefits Already Include What Part D Tries to Offer Separately
Key Takeaways
If you’re enrolled in a PSHB plan and also eligible for Medicare, you may already have comprehensive prescription drug coverage through an integrated Part D benefit.Enrolling in a s…
When a 20% Coinsurance Becomes a Burden—And What to Do About It Under PSHB
Key Takeaways
A 20% coinsurance under PSHB can lead to significant out-of-pocket costs, especially for high-cost services like surgeries, hospital stays, or specialist care.You can…
How Part B Enrollment Can Unlock Extra Benefits in Your PSHB Plan in 2025
Key Takeaways
Enrolling in Medicare Part B in 2025 can significantly reduce your out-of-pocket healthcare costs under the Postal Service Health Benefits (PSHB) Program.Many PSHB plans now offer e…
