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2020 MediGap Plan F rates Colorado


Blue Sky Medicare, based in Denver, offers UnitedHealthcare and Humana Medicare Supplement plans, also called Medigap, to all residents of Colorado. Medigap Plans cover some or all of the medical costs Medicare doesn’t pay. You must have Medicare Part A and B to enroll in any Medigap Plan. You can enroll or switch your current Medigap plan at anytime of the year.

Medicare Supplement Plan F is the most popular Plan in the country  and also the easiest to explain because it covers 100% of your deductibles and co-insurance that Medicare doesn’t cover.  Couples receive an additional 5% discount.

Medigap Plan N and G is the next step down, provides similar cover of Plan F but doesn’t cover Part B deductible of $198 and you can have a co-pay of up to $20 for a doctor visit on Plan N.

You can change your Medicare Supplement plan anytime of the year. Medigap policies do NOT cover prescription drugs, which is called Part D and run around $30 month.

Humana is one of the largest insurer of Medicare Supplement Plans providing stable rates and one of the only companies to include SilverSneakers gym membership in all Colorado plans, allowing you unrestricted access to over 14,000 locations nationwide including 24 Hour Fitness, YMCA, local rec centers and these health clubs outside of Denver:

Grand Junction

CrossRoads Fitness- Downtown

CrossRoads Fitness- Airport

Golds Gym- 700 Maldonado Way

Golds Gym- Clifton

Anytime Fitness- 2740 Highway 50

The Commos of Hilltop

The Fountains of Hilltop

Curves- 2470 Patterson Rd

Fruita Health Club- 158 S Park Square

Fruita Community Center


Health Clubs in other parts of Colorado


Exclusive Athletic Club- New Castle

Exclusive Athletic Club- Rifle

Midland Fitness- Glenwood Springs

Carbondale Rec Center

The Aspen Clinic Fitness Center- Basalt

Salida Hot Springs Aquatic Center

Monte Vista Athletic Club

Durango Sports Club

Durango Rec Center

Trapper Fitness Center- Craig

Mt Princeton Hot Springs Resort

Peak Fitness- Buena Vista

Silverthorne Rec Center

Grand Park Rec Center- Fraser

Gypsum Rec Center

Snap Fitness Silverthorne

Avon Rec Center

24/7 Gym – Gunnison

Grand Valley Rec Center- Battleground Mesa


My name is Steve Schrader, I work exclusively in the Medicare market. Working with an agent does not cost you anything, but gives you a personal agent you can call or email about your Medicare plan anytime you have questions.

Call Steve at 303-501-3125 or email