Medicare: What is a Medicare Supplement or Medigap plan?

Medicare Supplement Plans are also referred to as Medigap Plans.

Medicare can be confusing and the terminology doesn’t help.  We’re going to dedicate a few posts to give simple explanations regarding Medicare Supplement Plans, also known as Medigap Plans. These terms are used interchangeably to describe the same product.
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Four Tips to Understanding Medicare That Can Save Money

Understanding Medicare is simple, right? Actually, Medicare can be complicated. However, we provide you with some simple tips that clear up the main misconceptions regarding Medicare coverage.

In a recent Market Watch article, Kristen Gerencher provides insight into these misconceptions that could end up costing you money. Here is a list of these common misconceptions. I have linked to the main article below as well but, here are the bullet points. [Read more…]

25% of Baby Boomers have NO Retirement Savings

by Lance Cashion
One in Four (25%) of the estimated 79 Million Baby Boomers (ages 46-64) have no retirement savings. If you think that is a disturbing statistic, let’s look at a few more.

Below are the findings of a recent Harris Poll (February 2, 2011)

  • 34% of Americans have no retirement savings
  • 27% of Americans have no personal savings
  • 22% of Americans age 65 and older have no retirement savings
  • 14% of Americans age 56 and older have no personal savings
  • 26% of Baby Boomers have no personal savings

If these numbers send chills up your spine, they should. This is your wake up call America!
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Retirement: Recognizing Diversification

Gaining more insight and control of your retirement planning today can be the difference between retiring comfortably and facing financial challenges during your retirement years. HybridCare founder and Financial Advisor Lance Cashion provides some useful information in his article; “Retirement Insurance: How to Recognize True Diversification“.

“What your future retirement looks like depends on where you find yourself right now. The only way to be truly diversified is to have a portion of your retirement in a safe place where it is guaranteed to grow regardless of market behavior and provide a guaranteed income for the rest of your life. I like to call it “retirement insurance”. Insuring larger portions of your retirement as you age is the most important part of the diversification puzzle. No one can argue with that.” Read more here

Question: How comfortable are you with your retirement plan?

News: Baby Boomers Working Retirement

by Lance Cashion
Most retirees won’t completely ‘retire’ when they read 65 years old.  The Baby Boomer generation is active and their retirement lifestyle will be reflective of this activity.  Many retirement-age Americans will want to continue to work.  Due to some challenging economic times over the last three years, some will have no choice but to continue working.  At no other time in history have retirees had so many choices of how they want to spend their retirement years.  Smart Money’s Catey Hill provides some useful information and opportunities for up-and-coming retirees.

Hill says; “Far more people who are working in retirement are doing so because they want to, not because they need to. For them, there’s good news. The pool of part-time, flexible-schedule, professional jobs – precisely the ones that appeal to retirees – is growing.”

The Smart Money article continues; For many retirees, “‘working in retirement’ is quickly becoming a new stage in career progression,” a 2010 Families and Work Institute Study concludes Of the 20% of retirees currently working for pay, nearly half do it because they’d otherwise be bored or want to feel helpful or productive; 53% also say they’d like a little extra money. But just 18% say they work because their current retirement income is insufficient, according to the study.”

If you are currently retirement-age or approaching retirement age, where do you find yourself? You can work if you want to, and the choices are many.  The Smart Money article offers four interesting part-time career options for retirees.  Click here to read more; The Best Part-Time Jobs for Retirees (Author: Catey Hill)


Credits: Article reference credited to Catey Hill (Smart Money) “The Best Part-Time Jobs for Retirees” Jan. 21,2011

medicare open enrollment

Below is link to an entry from from November 15th in regard to Medicare Open Enrollment.  Now is the time make changes to your Medicare plan.  There have been some changes within Medicare you’ll want to be aware of going into 2011.  It is our goal to provide you with information and service as you go through this process.

Article: “medicare news: open enrollment begins today” (11/15/10)
See our post about medicare open enrollment scams as well.

As always, we recommend visiting for more information.

Please contact HybridCare if you need assistance with your Medicare or Health Insurance Needs.

protection against medicare open enrollment scams

medicare open enrollment scamsHybridCare would like to remind everyone that Open Enrollment begins on November 15th. We urge those eligible for open enrollment to use caution when choosing a plan. There is nothing wrong with putting on the breaks in the purchasing process. Here are some quick tips to avoid problems and scams.

  1. Be careful sharing you personal and banking information with people stating that they “represent Medicare” or “endorsed by Medicare”
  2. Stop the selection process if you do not understand how a product will function
  3. If you feel pressured into buying, DO NOT BUY.
  4. Use resources: Call 1-800-Medicare or go to
  5. Learn what type of product suites you better; Medicare Supplement, Medicare Advantage, etc (contact us if you need more information)

The best thing you can do is educate yourself and your family about Medicare.
Our team is here to help answer questions. You MUST know how a product functions before you purchase. We encourage you to ask and compare.  Yes, there are a few crooks that make our job serving you more difficult.  However, we want to give you the knowledge and tools to protect yourself and make a good decision in regard to Medicare.  A knowledgeable consumer is a good consumer.

Contact us: (800)-772-2355

change your insurance buying experience

The HybridCare team is dedicated to providing our customers with an excellent buying experience through education and service.  You may not be passionate about insurance, but we are!  Would you go to a medical doctor who was not passionate about medicine?  Of course not.  Why would you trust your insurance needs with someone who was not passionate about insurance?  HybridCare is about empowering our clients with the right information to make sound insurance decisions.  You direct the process.  HybridCare serves with EXCELLENCE!

Call us to experience ‘Insane Customer Service’! (800)-772-2355