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…
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…
