The Copay Costs Most Postal Retirees Miss—Until the Doctor’s Bill Arrives
Key Takeaways
Even with a well-chosen PSHB plan, your out-of-pocket copayments can a…
The Annual Costs You Probably Didn’t Budget for When You Picked a PSHB Plan
Key Takeaways
Many PSHB enrollees overlook annual out-of-pocket expenses like deductibles, coinsurance, and cost-sharing limits when selecting a plan.Even with government contributions, your tota…
Why Medicare’s Coverage Limits Can Surprise You Right When You Need Help Most
Key Takeaways
Medicare doesn’t cover everything, and certain gaps can result in significant out-of-pocket costs—especially for long-term care,
How PSHB and Medicare Work Together Sounds Simple—Until You Actually Use Both at Once
Key Takeaways
You can have both PSHB and Medicare in 2025, but coverage coordination …
You May Be Underestimating the Costs of Medicare Part B Until the Bills Arrive
Key Takeaways
Medicare Part B monthly premiums, deductibles, and cost-sharing in 2025 can come as a surprise if you’re not fully prepared. Even if you’re enrolled in a
You Might Not Need Medicare Part B Yet—but Skipping It Could Mean Bigger Bills Later
Key Takeaways
Delaying Medicare Part B enrollment when you’re eligible could result in lifelong late penalties and coverage g…
What Everyone Forgets About Medicare Part B Until They’re Stuck Paying Late Penalties
Key Takeaways
Failing to enroll in Medicare Part B on time can result in a lifetime monthly penalty that increases the longer you delay enrollment without qualifying coverage.For
Part D Plans Are Changing in 2025—Here’s What That Could Mean for Your Budget
Key Takeaways
In 2025, Medicare Part D plans include new protections that can significantly reduc…
The Quiet Way Routine Copays Can Drain Hundreds from Your Wallet Every Month
Key Takeaways
Routine copays under PSHB plans can quietly accumulate into significant monthly and yearly…
Coinsurance Isn’t a Straight Percentage—Here’s How It Sneaks Up Under Certain PSHB Plans
Key Takeaways
Coinsurance under PSHB may sound like a simple percentage, but the actual cost to you depends on timing, network status, and how much of your deductible you’ve already met.The unpre…