Comparing FEHB and PSHB Without the Fine Print Could Be a Big Financial Mistake
Key Takeaways
PSHB has replaced FEHB for USPS workers and retirees in 2025, but the differences go deeper than just a name change. The way plans are structured, the Medicare integration rules, and out-of-pocket …
Why Relying on Medicare to Back Up PSHB Could Work—or Backfire—Fast
Key Takeaways
Depending solely on Medicare to support your PSHB plan in 2025 can either help reduce out-of-pocket costs or leave you with serious coverage gaps—especially if you’re unaware of current rules…
Here’s Where to Find Unbiased, Reliable Answers About Your PSHB Plan and Enrollment
Key Takeaways
While the PSHB Navigator Help Line is a critical first stop for many
Don’t Buy a Medicare Supplement Before You Understand What’s Already Included in PSHB Benefits
Key Takeaways
PSHB plans in 2025 often include many of the benefits that Medicare Supplement (Medigap) policies offer, potentially making separate Medigap coverage unnecessary.Enrolling in both P…
How to Avoid Losing PSHB Coverage By Misunderstanding Your Medicare Requirements
Key Takeaways
You risk losing your Postal Service Health Benefits (PSHB) coverage if you fail to meet mandatory Medicare enrollment requirements once eligible.Understanding the timelines and exce…
Coinsurance Isn’t a Backup Fee—It’s the Price Tag Hidden in Plain Sight
Key Takeaways
Coinsurance is not just a minor detail of your PSHB plan; it can significantly impact your out-of-pocket costs—especially after large medical services.Knowing your coinsurance…
Why You Can’t Afford to Ignore Medicare Part B if You’re Relying on PSHB
Key Takeaways
If you’re Medicare-eligible and relying on PSHB in 2025, enrolling in Medicare Part B is not just a suggestion—it’s a requirement for most.Failing to enroll in Part B on time …
You Might Not Think About Coinsurance Now—But You’ll Definitely Notice It After the First Big Bill
Key Takeaways
Coinsurance is a percentage-based cost-sharing obligation that applies after you meet your deductible—and it can quickly escalate your out-of-pocket expenses, especially durin…
It’s Not Just 20 Percent—Coinsurance in PSHB Can Shift Based on These Factors
Key Takeaways
Coinsurance under the Postal Service Health Benefits (PSHB) Program varies based on several factors, including provider network status, service type, and Medicare enrollment.
You May Still Spend Thousands on Medications Even With a Medicare Part D Plan
Key Takeaways
Even with the $2,000 out-of-pocket cap under Medicare Part D in 2025, many PSHB enrollees can still face substantial medication expenses throughout the year.Understanding what is an…
