If PSHB Seems Affordable at First Glance, You Might Be Missing the Bigger Equation
Key Takeaways
The true cost of your PSHB plan in 2025 goes far beyond the monthly premium. You need to consider deductibles, coinsurance, copayments, and how your plan interacts with Medicare.Rush…
If You’re Ignoring Medicare Part A Because It’s ‘Free,’ Here’s What That Could Cost You
Key Takeaways
Medicare Part A may be premium-free for most, but ignoring it when you’re enrolled in the Postal Serv…
Copayments Are Supposed to Be Predictable—So Why Do They Feel So Random in Retirement?
Key Takeaways
PSHB copayments can vary widely in retirement due to plan design, Medicare integration, and unpredictable care needs, often making them feel less consistent than expected.Understand…
Medicare Advantage Plans Often Look the Same on Paper—Until You Try Using One in Real Life
Key Takeaways
Medicare Advantage plans may appear uniform in brochures, but the real-life experience can vary widely depending on provider networks, prior authorization policies, and cost-sharing rules….
How the 2025 Changes to Medicare Part D Could Save or Cost You Thousands Annually
Key Takeaways
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The 2025 redesign of Medicare Part D introduces a $2,000 annual cap on out-of-pocket prescription drug costs, significantly reducing expenses for high-need enrollees.
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As a …
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…