Coinsurance Might Seem Manageable Until a Hospital Stay Changes Everything Overnight
Key Takeaways
Your coinsurance might look small on paper, but in the middle of a hospital stay, it can balloon into thousands of dollars you didn’t budget for.Understanding your
Why Assuming Part A Covers All Hospital Costs Could Leave You Owing Thousands
Key Takeaways
Medicare Part A covers a substantial portion of hospital-related expenses, but it does not cover everything. You may still be responsible for thousands in out-of-pocket costs without …
PSHB Deductibles in 2025 Are Higher Than You Expect—And Harder to Reach Than Ever
Key Takeaways
In 2025, PSHB deductibles are higher than they appear at first glance, especially when you account for out-of-pocket expenses that don’t count toward your deductible.Even though it …
Flat Copays Sound Simple—Until Your Prescription or Specialist Visit Says Otherwise
Key Takeaways
Flat copays in PSHB plans seem predictable, but they often don’t …
What Happens When You Choose a Medicare Part C Plan Without Checking PSHB Rules First
Key Takeaways
Enrolling in a Medicare Part C plan without understanding PSHB coordination rules can jeopardize your federal health coverage.To retain PSHB benefits in retirement, you must underst…
Medicare Part A Isn’t a One-Size-Fits-All Solution—Especially with PSHB in the Picture
Key Takeaways
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Medicare Part A may appear standard, but when paired with the Postal Service Health Benefits (PSHB) program in 2025, its effectiveness varies significantly depending on your circumstances.
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Medicare and PSHB Plans Are Meant to Work Together—But Only If You Time It Right
Key Takeaways
Your PSHB plan is designed to work hand-in-hand with Medicare once you turn 65, but this c…
You’re Paying More Into PSHB Than You Think—Here’s How Contributions Break Down in 2025
Key Takeaways
Your monthly contribution to PSHB in 2025 is just one part of the tota…
There’s a $2,000 Cap on Part D Costs in 2025—But That Doesn’t Mean You’re Safe
Key Takeaways
In 2025, Medicare
Some Medicare Advantage Plans Overlap with PSHB—Others Leave Unexpected Gaps
Key Takeaways
Some Medicare Advantage plans may duplicate benefits already included in your PSHB plan, while others might leave gaps that affect your access to care or prescription coverage.Coord…