Medicare & Health Plans

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.

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Original Medicare (A & B)

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)

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

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)

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

Doctors & Networks

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

Costs & Value

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

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

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

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