The reading room

A little clarity goes a long way.

Short, practical guides to help you ask better questions about Medicare. These articles provide general education, not individualized advice.

Article

Medicare Savings Programs: 2026 Limits and How to Apply

Medicare Savings Programs can pay your Part B premium and more. See 2026 QMB, SLMB and QI income limits, Illinois and Wisconsin notes, and how to apply.

Read the article
Article

Medicare Advantage Star Ratings: How to Read Them

What Medicare Advantage star ratings measure, what a 5-star plan does and doesn't tell you, and how to use the ratings, and the 5-star enrollment option, wisely.

Read the article
Article

Medicare IRMAA 2026: $109,000/$218,000 Income Lines, Appeal Steps

See how 2024 income sets Medicare IRMAA in 2026, check the $109,000 and $218,000 thresholds, and learn when to use SSA-44 or appeal a decision.

Read the article
Article

Medicare Vision Coverage: Can Medicaid Help in Illinois and Wisconsin

Learn what Medicare pays, when Advantage plans add routine vision, whether Medicaid helps in Illinois and Wisconsin, and how Almond Insurance helps locally.

Read the article
Article

COBRA vs Medicare: Avoid Penalties With Eight Months to Enroll

Compare 2026 COBRA and Medicare costs, learn why Medicare usually pays first, and use the eight months for Part B enrollment to avoid coverage gaps.

Read the article
Article

Is $2,950 Worth It? Medicare’s High Deductible Plan G

See how Medicare’s 2026 $2,950 High Deductible Plan G works, compare premiums with covered costs, and weigh enrollment or switching against your budget.

Read the article
Article

Medicare Observation vs Inpatient: Why SNF Care Can Cost $217 a Day

Learn how Medicare observation and inpatient status affect 2026 hospital bills, SNF coverage, the Two Midnight rule, MOON notices, and appeal rights.

Read the article
Article

Medicare Advantage MOOP: Check What the $9,250 Cap Leaves Out

Medicare Advantage MOOP limits vary by plan. Learn what the 2026 $9,250 federal cap excludes, how to verify coverage, and when Almond Insurance can help.

Read the article
Article

Medicaid vs Medicare: 2026 Costs When You Qualify for Both

Compare Medicare and Medicaid eligibility, 2026 costs, and coverage when you qualify for both. Check eligibility and compare plans with Almond Insurance.

Read the article
Article

2026 Medicare Giveback: Can Local Plans Cut Your $202.90 Part B Bill?

The 2026 Part B premium is $202.90, but givebacks vary by county and plan. Learn how they work, what you may give up, and how local agents compare plans.

Read the article
Article

ALS and Medicare: Eligibility and Enrollment Basics

Learn how ALS affects Medicare waiting periods, how SSDI eligibility is determined, and where to ask about enrollment and equipment coverage.

Read the article
A quiet scene of older adults reviewing paperwork
Coverage choices

Medicare Advantage vs. Medicare Supplement: what’s different?

Read the article
A conversation about coverage and paperwork
The basics

A simple guide to getting started with Medicare

Read the article
Paperwork laid out on a table
Enrollment

Medicare enrollment periods, explained simply

Read the article
Looking for something specific?

Call us at (815) 963-8963. We can talk through your questions, or point you to Medicare.gov for official, up-to-date information.

A conversation is a good place to start.

Get in touch