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Ruth Cummings

San Francisco, California


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Published Content and Articles Featuring Ruth Cummings

Articles By Ruth Cummings

Copayments Under PSHB Plans Seem Minor—Until They Start Adding Up Like This

Copayments Under PSHB Plans Seem Minor—Until They Start Adding Up Like This

Key Takeaways While copayments under PSHB plans may appear manageable, frequent visits to healthcare providers or recurring services can make...

Medicare Part B Is Required for Some PSHB Plans—But What If You Opt Out?

Medicare Part B Is Required for Some PSHB Plans—But What If You Opt Out?

Key Takeaways If you're enrolled in certain PSHB plans and eligible for Medicare, enrolling in Medicare Part B is not...

Medicare Part D Is Getting a Big Overhaul in 2025—But the Fine Print Still Matters

Medicare Part D Is Getting a Big Overhaul in 2025—But the Fine Print Still Matters

Key Takeaways In 2025, Medicare Part D introduces major reforms, including a $2,000 annual cap on out-of-pocket drug costs, a...

PSHB Deductibles in 2025: How They Work and Why They’re Different for In-Network Care

PSHB Deductibles in 2025: How They Work and Why They’re Different for In-Network Care

Key Takeaways PSHB deductibles differ for in-network and out-of-network care, impacting your out-of-pocket costs.Knowing how deductibles work can help you...

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PHSB Newsletter

PSHB Isn’t Just Medicare For Postal Employees

If you’re a Licensed Agent with who has been trained on PSHB, we invite you to apply for a free listing. If you need training – we can make an introduction for you to well-established PSHB-focused Agencies that can provide you the knowledge you need to help Postal Employee with their PSHB coverage,

We welcome Medicare experts to apply for a FREE
listing on www.PSHB-Information.com. Applications are approved based on background, reputation, licensure & professional record. Professionals are encouraged to contribute to the website community by sharing and creating content.

Readers are encouraged to connect with the Professionals listed.

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