How Medigap Premiums Quietly Rise While You’re Busy Worrying About Other Bills

Key Takeaways
Medigap premiums often increase each year, even if your health and coverage stay the same.As a Postal Service annuitant, understanding how these hidden increases affect your overall…
You Might Feel Covered With Medicare—Until You Learn What Happens Outside the Hospital

Key Takeaways
Medicare alone doesn’t cover many of the routine and outpatient services you…
If You’re Enrolled in Both Medicare and PSHB, Your Benefits May Shift Behind the Scenes

Key Takeaways
When you’re enrolled in both Medicare and PSHB, Medicare usually becom…
Why Some Government Employees Pay More for Healthcare Than Others and How to Reduce Your Costs

Key Takeaways
Your healthcare costs under the Postal Service
Why Medigap Premiums Can Be Predictable Now—and Unpredictable Later

Key Takeaways
Medigap premiums may start out stable but can increase due to factors like age-related pricing and inflation, impacting long-term affordability.Choosing a Medigap plan within the PS…
The Link Between Medicare and PSHB That’s Easy to Miss—But Costly to Ignore

Key Takeaways
If you are a Postal Service retiree or family member eligible for Medicare, enrolling in Part B is often required to maintain full PSHB benefits starting in 2025.Not unders…
Why Coinsurance Becomes a Bigger Deal Once You Add Medicare to Your Postal Health Plan

Key Takeaways
Adding Medicare to your PSHB plan can change how coinsurance costs apply—and ignorin…
Medicare Part D Isn’t a Safety Net Unless You Understand How Coverage Phases Work

Key Takeaways Medicare Part D coverage in 2025 includes a $2,000 annual cap on out-of-pocket drug costs, but the financial protection only activates after you’ve moved through all phases of the benefit.
Miss a Deadline, Miss Your Coverage? Let’s Not Go There

Key Takeaways
Missing critical deadlines during your USPS health benefits transition in 2025 can result in loss o…
The Quiet Eligibility Rule That Might Disqualify You from PSHB Without Warning

Key Takeaways
You could meet all the obvious requirements for PSHB enrollment in 2025 and still be denied due to a lesser-known rule tied to Medicare eligibility.Understanding the nuanced excepti…