PSHB Copayments Look Modest, But the Math Gets Tricky After a Few Visits
Key Takeaways
While copayments under Postal Service Health Benefits (PSHB) plans may appear manageable at first glance, rep…
The Real Catch to Medicare Part C That You Only Notice Once the Bills Arrive
Key Takeaways
Medicare Advantage (Part C) plans may seem comprehensive at first, but they often come with unexpected out-of-pocket costs and network restrictions that can reduce your benefits when used alongside…
Why the New Medicare Part D Rules Don’t Automatically Mean Lower Costs for Everyone
Key Takeaways
The $2,000 out-of-pocket cap under Medicare Part D in 2025 brings important relief, but it does not guarantee lower total costs for all beneficiaries.If you’re enrolled in a PSHB pl…
Why Hitting Your Deductible Doesn’t Always Mean Lower Costs in PSHB
Key Takeaways
Reaching your deductible in a PSHB plan does not auto…
When Combining Medicare Part C With PSHB Backfires and You Pay Twice
Key Takeaways
Enrolling in a Medicare Part C (Medicare Advantage) plan while you’re already…
PSHB Members Are Seeing Medicare Advantage Perks Disappear Faster Than Expected
Key Takeaways
Many Medicare Advantage supplemental benefits that were common in 2024 have been reduced or eliminated in 2025, directly affecting Postal Service Health Benefits (
The Hospital Stay Timeline That Determines How Much You Owe with Medicare Part A
Key Takeaways
Medicare Part A only fully covers the first 60 days of an inpatient hospital stay; after that, costs rise quickly—especially if you’re not coordinating benefits with your
The Real Numbers Behind PSHB Costs—and Why They’re So Often Misunderstood
Key Takeaways
In 2025, many Postal Service Health Benefits (PSHB) participants are u…
Why Declining Medicare Part D Could Shut You Out of PSHB Prescription Benefits
Key Takeaways
If you decline Medicare Part D coverage inside a PSHB plan, you could …
FEHB vs PSHB Sounds Boring—Until You Realize It Can Change Your Retirement Game
Key Takeaways
Choosing between FEHB and PSHB isn’t just about names—what you pick determines how your healthcare aligns with Medicare, how much you pay, and whether your coverage works for you in ret…