Blue Sky MedicareWelcome to Blue Sky Medicare.

My name is Steve Schrader, and I live in Littleton, Colorado, with my wife of 16 years, and two great kids. I work exclusively in the Medicare market offering Humana and UnitedHealthCare Medicare plans, and I am licensed in Arizona, Colorado, California, Florida, Georgia, Missouri, North Carolina, South Carolina and Texas.

UnitedHealthcare Medicare is the largest insurer of Medicare Supplement plans in the country, and they are the same company that offers the AARP Medicare Supplements. Medicare Supplement plans are also referred to as Medigap and offered by UnitedHealthcare and Humana.

The goal of this website is to provide you with useful information in a straightforward and UNBIASED manner, so that YOU can decide which plan works best for your situation. Within this website, I have addressed common questions and concerns which clients have every day, regarding the difference between Medicare Advantage plans and Medicare Supplement plans.

Because UnitedHealthCare and Humana offer both types of plans, I can give you the pros and cons of each plan. This is actually very rare among Medicare agents, typically agents steer you towards a Medicare Supplement because that’s all they offer. They’re only advice is usually “buy a Plan F if you can afford it”. I work with clients by explaining the differences between the two types of plans and let the client choose what’s right for them.


Medicare Advantage vs. Medicare Supplement Plans

Deciding between Medicare Part C and a Medigap plan is a decision which everyone entering Medicare must make. Medicare Supplement Plans are standardized nationwide, meaning that a Medicare Supplement Plan F in Dallas, Texas, has the same coverage as a Medicare Supplement Plan F in Denver, Colorado, regardless of which insurance company issues the policy.

Medicare Advantage Plans are different in every city and are available based on your county of residence. I offer Medicare Supplement Plans and Medicare Advantage plans in counties in and around these metro areas:

  • Denver, CO – 13 counties touching I-25
  • Phoenix, AZ – Maricopa County
  • Tucson, AZ – Pima County
  • Dallas, TX – Colin, Cooke, Dallas, Denton, Ellis, Fannin, Hunt, Grayson, Hood, Johnson, Kaufman, Parker, Rockwall, Tarant, Van Zandt and Wise counties
  • San Antonio, TX – Altascosa, Bexar, Comal, Guadalupe, Kendall and Wilson counties
  • Houston, TX – Austin, Brazoria, Fort Bend, Hardin, Harris, Jefferson, Liberty and Montgomery counties
  • Austin, TX –Bastrop, Hays, Travis and Williamson counties
  • El Paso, TX – El Paso County
  • North Carolina
  • South Carolina
  • Missouri
  • Florida
  • Georgia
  • San Diego, CA
  • Los Angeles, CA – Riverside, Kern, Orange, LA, San Diego and San Bernadino counties