Coinsurance Isn’t a Flat Fee—and Here’s Why That Can Hit Retirees the Hardest
Key Takeaways
Coinsurance under PSHB in 2025 is not a fixed cost. It is a percentage-based obligation that fluctuates with the cost of medical services, which can create unpredictable and sometimes substantial ou…
Why Comparing FEHB to PSHB on Just Cost Is a Trap You Should Avoid
Key Takeaways
Comparing FEHB and PSHB based solely on premiums or deductibles misses critical details like Medicare integration,
You Might Think PSHB Is Just Another FEHB Plan—But It Plays by Different Rules Entirely
Key Takeaways
PSHB is a distinct program from FEHB, not just a name change. It comes with its own eligibility rules,
The Parts of Medicare You Never Hear About Are the Ones That Matter the Most Later
Key Takeaways
Many Medicare components that impact Postal retirees the most aren’t talked about until they create serious financial or coverage issues. You need to understand the full structure of Medicare&mdash…
Why Medicare Part A Often Feels Like It Covers Everything—Until You’re Stuck in a Multi-Day Stay
Key Takeaways
Even though Medicare Part A is premium-free for most enrollees, it does not provide unlimit…
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…
Why It’s Risky to Assume Every Medicare Part C Plan Covers What You Need
Key Takeaways
Medicare Part C plans (Medicare Advantage) do not all offer the same coverage or access to providers, and assuming they do can lead to major gaps in your
You’re Being Sold on Medicare Advantage—But Here’s What You Might Not Be Told
Key Takeaways
While Medicare Advantage plans might look attractive in marketing materials, many h…
Medicare Part B Isn’t Just an Add-On with PSHB—It’s a Requirement in Many Cases
Key Takeaways
Enrolling in Medicare Part B is not optional for many Postal Service retirees and their family members under the PSHB program. Your continued access to full PSHB coverage may depend on it….
Why Some Retirees Save Big by Pairing Medicare with PSHB, While Others End Up Paying More
Key Takeaways
Pairing Medicare with PSHB can offer significant cost savings, but only if you understand how the two systems interact.Poor timing or incomplete