Click to Call

Are you making the right

Medicare Choices?

Your Medicare choices shouldn’t require crossing your fingers!  Let Stacy Haberstroh, owner of Senior Insurance Concepts, help you make the right coverage decisions for you and your family.  

Choice. Care. Confidence. Customer SErvice.

making complicated decisions

supported by professional insight

Making Medicare “uncomplicated” is a tall order, yet Senior Insurance Concepts aims to do just that.  Let’s work together to discover the best plan, or combination of plans for you. 

Medicare Supplement Plans

A Medicare supplement plan is a private health insurance designed to supplement Medicare.  This means that it helps pay some of the health care cost that original Medicare does not cover, for a monthly premium.

Medicare Advantage Plans

Offered by private companies, Medicare Advantage plans offer a total health plan experience.  Get Part A (hospital), Part B (medical) and Part D (prescription drug) coverage for as low as $0 monthly premium.

Part D Prescription Drug Plans

Part D Prescription Drug plans are offered by private companies and assist in the coverage of your prescription drug costs for covered medications.  This is an additional coverage offered on top of Original Medicare.

Final Expense & Life Insurance

Give yourself and your family a lasting gift – peace of mind.  Although thinking about your final expenses may be difficult, making arrangements to cover those expenses is not.  Take that same peace of mind, and extend it to yourself, too.

Health coverage

Needs & priorities

When choosing your Medicare coverage, it’s important to consider your health care needs as well as your budget.  The questions below will help you start to identify your needs and priorities:


Stacy Haberstroh

Stacy, owner and founder of Senior Insurance Concepts, is an insurance broker serving as an intermediary who sells, solicits and negotiates insurance on the behalf of her clients.  She has been an insurance broker for 20 years, and is contracted with all the major healthcare insurance carriers.

Stacy explains how the Medicare system works using clear, easy-to-understand language.  She takes the time to explain the differences between a Medicare Supplement plan and a Medicare Advantage plan.  She educates her clients on the pros and cons of each plan and explains the drug plans, offering tips on how to get the lowest cost for your prescription drugs. 

Senior Insurance Concepts is always federally compliant with all regulations by certifying each year to offer new plans and drug coverage choices.

Stacy received her Masters from Western Illinois University, and is not only an individual consultant, but is also an industry executive and former member of the National Association of Professional Geriatric Care.

Our Mission: To increase the understanding of how Medicare healthcare operates.

Right here in your community

Choice. Care. Confidence. Customer Service.

your Medicare journey

The process is easy!


Let's Connect! Online or by phone.

Give us a call or fill out the contact form, and we will set up a time to discuss your personal Medicare options.  It’s totally free.  And totally worth it.


We'll plan the perfect package

With so many choices in providers, plans & representatives, we are here to help you make the best decisions for your lifestyle, health & budget.


... And we will do it Together!

We know Medicare can be confusing.  It is our mission to ensure you understand your options, and stand with you as your Medicare planning partner.

Hear it from your neighbors

Senior Insurance Concepts Testimonials

A few words of encouragement, a peek into the process, and testimony to the Choice, Care & Customer Service Stacy and her team provide.

Gary Deutschmann

Cherry Hills

“Stacy is the best Medicare broker I know, patient and knows all the ins and outs to get you, what’s best for your needs.”

Andria Yang

West Hampton

“I would recommend contacting a professional to help navigate your options. I have heard Stacy speak and she seems very knowledgeable on the topic”

Meghan Durand

Ashton Woods

“My mom is working with Stacy. She came highly recommended on the STL Healthcare Forum Facebook Page”
1000 +
Medicare Clients Enrolled
0 /5
Star Service Rating
0 +
Training Hours Yearly

Have some general Q's?

These questions are typically the tip of the iceberg when it comes to navigating the waters of Medicare and senior health coverage.

If you have specific questions, please feel free to reach out to us so that we can discuss your particular circumstances, questions and concerns. 

According to SSA.GOV, “Medicare is our country’s health insurance program.  Although most commonly used by people age 65 and older, some younger people are eligible for Medicare, too.”


Please feel free to reach out to us so that we can discuss your particular circumstances.  

According to SSA.GOV, 

“Part A (hospital insurance): Hospital insurance helps pay for inpatient care in a hospital or skilled nursing facility (following a hospital stay), some home health care and hospice care.

Part B (medical insurance): Medical insurance helps pay for doctors’ services and many other medical services and supplies that hospital insurance does not cover.

Part C (Medicare Advantage plans): If you have Medicare Parts A and B, you can join a Medicare Advantage plan. Medicare Advantage plans are offered by private companies and approved by Medicare. These plans generally help you pay the medical costs not covered by Medicare Part A and B.

Part D (prescription drug coverage): Prescription drug coverage helps pay for medications doctors prescribe for treatment.”

According to The “Medicare and You” Booklet,

Original Medicare pays for much, but not all, of the cost for covered health care services and supplies. Medicare Supplement Insurance (Medigap) policies sold by private companies can help pay some of the remaining health care costs for covered services and supplies, like copayments, coinsurance, and deductibles.

Some Medigap policies also offer coverage for services that Original Medicare doesn’t cover, like medical care when you travel outside the U.S. Generally, Medigap doesn’t cover long-term care (like care in a nursing home), vision or dental services, hearing aids, or eyeglasses.

Please feel free to reach out to us so that we can discuss your particular circumstances. 

According to The “Medicare and You” Booklet,

A Medicare Advantage Plan is another way to get your Medicare Part A and Part B coverage. Medicare Advantage Plans, sometimes called “Part C” or “MA Plans,” are offered by Medicare-approved private companies that must follow rules set by Medicare. Most Medicare Advantage Plans include drug coverage (Part D). In most cases, you’ll need to use health care providers who participate in the plan’s network.

These plans set a limit on what you’ll have to pay out-of-pocket each year for covered services. Some plans offer non-emergency coverage out of the network, but typically at a higher cost. In many cases, you may need to get approval from your plan before it covers certain drugs or services.

Remember, you must use the card from your Medicare Advantage Plan to get your Medicare-covered services. Keep your red, white, and blue Medicare card in a safe place because you might need it later. If you join a Medicare Advantage Plan, you’ll still have Medicare but you’ll get most of your Part A and Part B coverage from your Medicare Advantage Plan, not Original Medicare. 

There are programs such as TRICARE and others that may be available to you alongside (or in place of) your military benefits and/or Original Medicare.  


Please feel free to reach out to us so that we can discuss your particular circumstances, and THANK YOU for your service.

Contact Form Demo
Contact Info

How Can I Help You?

Here for you On Your medicare journey

Please fill out the form to get in contact with Stacy Haberstroh, Your Medicare Advisor with Senior Insurance Concepts, today.