The Hidden Math Behind PSHB Coinsurance That Could Quietly Drain Your Retirement Budget
Key Takeaways
PSHB coinsurance percentages may appear modest, but they apply to the …
Your Plan Contribution Feels the Same—But Have You Looked at the Math Lately?
Key Takeaways
You may be paying more out of pocket for your PSHB plan in 2025 than you realize, even if your contribution feels similar to last year.Understanding the percentage-based cost struct…
You Might Like Your Medicare Advantage Plan Now—Until You Need Care Outside Its Network
Key Takeaways
Medicare Advantage plans may offer lower upfront costs, but their limit…
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…
The Most Overlooked Reason Medicare Part C Could Leave You Underinsured
Key Takeaways
Medicare Part C plans often limit network flexibility and may exclude certain critical…
Understanding Medicare Isn’t Optional Anymore—Here’s Why It’s Critical for PSHB Users
Key Takeaways
If you’re a Postal Service Health Benefits (PSHB) enrollee aged 65 or older, understanding and enrolling in Medicare—especially Part B—isn’t just helpful anymore, it’s…
Why Choosing a Part C Plan Without Comparing Options Could Cost You in 2025
Key Takeaways
Medicare Part C plans often appear attractive due to extra benefits, but those additions can obscure important limitations that may directly impact your care and costs.For Postal Se…
The Way Medicare Integrates With PSHB Could Save You Money—or Lead to Confusing Gaps
Key Takeaways
Enrolling in both Medicare and a Postal Service Health Benefits (PSHB) plan in 2025 may reduce your overall healthcare costs, but only if you understand how the two systems work together.
How Copayments in PSHB Plans Shift Based on the Care You Actually Use
Key Takeaways
Your out-of-pocket costs under a PSHB plan can vary significantly based on the type and frequency of care you use, even when flat copays appear predictable.Copayments in PSHB plans …
Why Some Postal Retirees Are Walking Away from Medicare Advantage Despite the Extras
Key Takeaways
Many postal retirees are opting out of Medicare Advantage despite its extra perks due to limitations in access, provider restrictions, and lack of cost predictability.For PSHB enrol…
