The Deductible Trap: When You Think You’re Covered, But You’re Really Not
Key Takeaways
In 2025, many PSHB enrollees underestimate how much they must pay out-o…
PSHB Deductibles Are Structured Differently—Here’s How They Can Catch You Off Guard
Key Takeaways
PSHB deductibles in 2025 operate under unique structures that can reset or vary by service category, family tier, or even coordination with Medicare.Misunderstanding how and when yo…
The Truth About Deductibles: When They Reset, How They Work, and What They Cost
Key Takeaways
PSHB deductibles reset every calendar year—knowing when this happens helps you plan major care to avoid higher out-of-pocket costs.Understanding how deductibles interact with …
If You Assume PSHB Deductibles Are Low, You Might Miss a Costly Exception
Key Takeaways
While many PSHB plans advertise low in-network deductibles, certain services or settings m…
Deductibles May Be Resetting When You Least Expect It—And That’s a Costly Surprise
Key Takeaways
Deductibles under the Postal Service Health Benefits (PSHB) program reset on a fixed annual schedule, typical…
The Shocking Ways Deductibles Work Differently in Postal Plans—Especially After Age 65
Key Takeaways
Once you turn 65, your deductible under the Postal Service Health Benefits (PSHB) program can behave differen…
Why Hitting Your Deductible Doesn’t Always Mean Lower Costs in PSHB
Key Takeaways
Reaching your deductible in a PSHB plan does not auto…
If You Haven’t Looked at Your Deductible This Year, You’re Probably Paying Too Much
Key Takeaways
Many Postal Service
How Your PSHB Deductible Could Make an Inexpensive Illness Suddenly Feel Financially Heavy
Key Takeaways
Your PSHB deductible is not just a technical detail—it plays a di…
What Makes a ‘Reasonable’ Deductible? You Might Be Paying More Than You Realize
Key Takeaways
A deductible that seems reasonable on paper may turn out to be much more expensive once you begin using your PSHB plan, especially if you have recurring or unexpected health needs.U…