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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 29 states listed in red below.

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.