The Retiree Report

Plain-English answers on Medicare, Social Security, and life after 50.

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Medicare

Medicare's 100-day skilled nursing rule and the $217 day-21 coinsurance

2026-06-06 · 7 min read

Medicare covers up to 100 days in a skilled nursing facility, but day 21 brings a $217 daily charge in 2026. Here's what counts and what cuts coverage off.

Medicare hospital discharge rights: the fast appeal that buys you a day

2026-06-05 · 7 min read

Think Medicare is sending you home too soon? File a fast QIO appeal by midnight on your discharge day and stay covered in the hospital while they review.

Medicare telehealth in 2026: what's covered through December 31, 2027

2026-06-04 · 7 min read

Medicare telehealth coverage was extended through December 31, 2027. Here's what stays covered at home, what's now permanent, and what you'll pay.

Medicare cost help by state: SHIP counselors and savings programs

2026-06-01 · 7 min read

Free SHIP counselors and Medicare Savings Programs can cut your 2026 Part B premium and out-of-pocket costs. Here's how to find help in your state.

Medicare and travel: the $50,000 Medigap rule and the gaps abroad

2026-05-29 · 7 min read

Medicare covers you across all 50 states, but rarely abroad. Here's the $50,000 Medigap travel rule and the gaps that surprise retirees overseas.

The dental, vision, and hearing gap in Original Medicare in 2026

2026-05-18 · 7 min read

Original Medicare still skips most dental, vision, and hearing care in 2026. Here is what it does cover, what it costs you, and how seniors fill the gap.

Medicare hearing aid coverage in 2026: Original, Advantage, and OTC

2026-05-18 · 6 min read

Original Medicare won't pay for hearing aids in 2026, but Medicare Advantage often does, and FDA OTC devices start near $200. Here's how it works.

Extra Help for Medicare Part D in 2026: who qualifies and what it pays

2026-05-04 · 7 min read

The 2026 Extra Help subsidy can wipe out your Part D premium and cap copays at a few dollars. Income limits, resource limits, and how to apply, explained.

Medicare Plan Finder: a step-by-step walkthrough for 2026

2026-05-03 · 7 min read

How to use Medicare's official Plan Finder at medicare.gov/plan-compare to compare Part D and Advantage plans without getting buried in choices.

Medicare Savings Programs in 2026: the income limits that decide if your state pays your Part B premium

2026-05-03 · 7 min read

If your monthly income is under about $1,816 single or $2,455 married in 2026, your state Medicaid office may pay your $202.90 Medicare Part B premium.

Medigap Plan G vs Plan N in 2026: copays vs premium, not coverage

2026-05-02 · 7 min read

Plan G and Plan N cover the same Medicare gaps in 2026 except for copays and excess charges. Here's how to pick the one that actually saves you money.

IRMAA 2026: the income brackets that quietly raise your Medicare premium

2026-04-29 · 7 min read

IRMAA 2026 starts at $109,000 single and $218,000 joint. See every bracket, the $202.90 Part B premium, and how Form SSA-44 can lower a surcharge.

Medicare open enrollment 2026: seven decisions before December 7

2026-04-28 · 7 min read

Medicare open enrollment runs Oct. 15 to Dec. 7 each year. Here is a seven-decision checklist for 2026, covering the ANOC, $2,100 Part D cap, and more.

Medicare Advantage vs Original Medicare in 2026: what really changed

2026-04-27 · 7 min read

A side-by-side look at Medicare Advantage and Original Medicare for 2026, with the $202.90 Part B premium and $9,250 in-network cap explained clearly.

Medicare Part D's $2,100 out-of-pocket cap in 2026: what it really means

2026-04-25 · 7 min read

Medicare Part D's out-of-pocket cap rose to $2,100 in 2026, indexed from the IRA's original $2,000. Here's what counts and how to spread costs.