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    • Home
    • Protect your Business
      • Property
      • General Liability
      • Workers’ Compensation
      • Commercial Auto
      • Professional Liability
      • Business Owners Policy
      • Industry Solutions
    • Protect Your People
      • Group Health Insurance
      • Group Life & Disability
      • Key Person Insurance
      • Voluntary Benefits
      • Supplemental Plans
    • Protect Your Family
      • Homeowners Insurance
      • Auto Insurance
      • Life Insurance
      • Medicare & Health Plans
      • Umbrella Insurance
    • Contact Us
Anchor and Trust
  • Home
  • Protect your Business
    • Property
    • General Liability
    • Workers’ Compensation
    • Commercial Auto
    • Professional Liability
    • Business Owners Policy
    • Industry Solutions
  • Protect Your People
    • Group Health Insurance
    • Group Life & Disability
    • Key Person Insurance
    • Voluntary Benefits
    • Supplemental Plans
  • Protect Your Family
    • Homeowners Insurance
    • Auto Insurance
    • Life Insurance
    • Medicare & Health Plans
    • Umbrella Insurance
  • Contact Us

Find the Right Medicare Coverage for You

Medicare can be confusing. Anchor & Trust Insurance Group compares plans and explains your options in plain English—so you can choose coverage with confidence and keep your costs predictable.

Get Medicare Help

Your Medicare Options at a Glance

Original Medicare (A & B)

Medicare Advantage (Part C)

Medicare Advantage (Part C)

Hospital (A) + medical (B). Doesn’t include most drugs or a yearly out-of-pocket max. Many add Part D and either Medigap or an Advantage plan.

Medicare Advantage (Part C)

Medicare Advantage (Part C)

Medicare Advantage (Part C)

All-in-one plans from private carriers. Often include drugs, dental, vision, hearing, extras, and an annual out-of-pocket max.

Medigap (Supplements)

Medicare Advantage (Part C)

Medigap (Supplements)

Works with Original Medicare. Helps pay deductibles/coinsurance. No networks. Does not include Part D—add a drug plan separately.

Drug Plans (Part D)

Drug Plans (Part D)

Medigap (Supplements)

Standalone prescription coverage for those on Original Medicare/Medigap. Check formularies, tiers, and preferred pharmacies.

Doctors & Networks

Drug Plans (Part D)

Doctors & Networks

Medigap: any provider who accepts Medicare. Advantage: HMO/PPO networks—check your doctors and hospitals before enrolling.

Costs & Value

Drug Plans (Part D)

Doctors & Networks

Advantage: lower premiums, pay as you use care. Medigap: higher premium, lower bills when you get care. We’ll price both.

Medicare Advantage vs. Medigap — Key Differences

Medicare Advantage / Part C

Medicare Advantage / Part C

Medicare Advantage / Part C

  • Bundles A, B, usually D in one plan
     
  • HMO/PPO networks; referrals may apply
     
  • Lower monthly premiums common
     
  • Extra benefits (dental/vision/hearing, OTC, fitness)
     
  • Annual out-of-pocket max for Part A/B services

Medigap + Part D

Medicare Advantage / Part C

Medicare Advantage / Part C

  • Use any doctor who accepts Medicare
     
  • Minimal out-of-pocket for covered services (plan-dependent)
     
  • Separate Part D drug plan
     
  • Premiums higher, but predictable costs
     
  • Great for frequent travelers / snowbirds

How We Match You with the Right Drug Plan

  • Review your medications, dosages, and preferred pharmacies
     
  • Compare formularies, tiers, deductibles, and copays
     
  • Look for preferred pharmacy pricing and mail-order options
     
  • Re-check annually—formularies and prices can change

Get Help

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