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.
Deductibles Sound Like a Minor Thing—Until You Need Care and Get a Big Bill First
Key Takeaways
In 2025, many PSHB plans carry deductibles between $350 and $2,000, depending on …
Why Prescription Drug Coverage Under Medicare Part D Still Requires Careful Plan Comparison
Key Takeaways
Even though Medicare Part D now includes a $2,000 cap on out-of-pocket drug costs in 2025, it still doesn’t mean every drug is covered the same across all plans. The details of coverage can vary wid…
