You Thought Your Coverage Was Full—But Coinsurance Says Otherwise in 2025
Key Takeaways
Coinsurance is one of the most overlooked out-of-pocket expenses in PSHB plans and can significantly affect your total cost of care.In 2025, understanding how coinsurance applies ac…
How to Tell If You’re Paying Too Much in PSHB Premiums Without Realizing It
Key Takeaways
Even with government subsidies, your PSHB premiums in 2025 could be hi…
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…
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 …
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…
Deductibles in PSHB Can Double When You Go Out of Network—But It’s Rarely Stated Clearly
Key Takeaways
Out-of-network deductibles under
What PSHB Enrollees Need to Know About Medicare Coordination Before Turning 65
Key Takeaways
Enrolling in Medicare Part B before age 65 is essential for certain PSHB annuitants to avoid losing benefits or paying higher costs.Timing matters: You must understand enrollment wi…
If You’re Turning 65 Soon, PSHB Won’t Wait for You to Get Organized
Key Takeaways
Turning 65 is a critical milestone for PSHB enrollees because Medicare enrollment becomes time-sensitive and mandatory for many retirees.Missing your Medicare Part B window could le…
How Medicare Part D Plays a Role in Your PSHB Plan: 5 Facts About Medication Coverage
Key Takeaways
Medicare Part D integrates with PSHB plans to provide prescription drug …
