Sterling Insurance

Sterling is a nationally-recognized family of insurance products designed to:

• Provide a secure, cooperative and financially sound associate for providers who treat Medicare beneficiaries




• Offer enrollees a range of Medicare plans suited to their financial situation, including the nation’s first Medicare Advantage Private Fee For Service Plan**, as well as standard Medicare Supplement plans; and



• Support the patient/physician relationship.

Sterling Option I was the nation’s first Medicare Advantage Private Fee For Service Plan. All of the Sterling Medicare Advantage plans offer some distinct advantages that eliminate or minimize many of the concerns hospitals have about providing service in the Medicare environment. Facilities are compensated on a fee-for-service basis. No utilization review is conducted other than as required by Medicare. There is no retrospective review. Physicians and patients determine the course of treatment without interference. Claims are paid quickly and, in most cases, can be filed electronically. Sterling plans join you in your commitment to improving the healthcare of your community by responding to the needs of Medicare beneficiaries.

Sterling’s range of additional Medicare products include plans that offer conventional first-dollar coverage, both with and without network hospital restrictions. Available in most geographic areas, these products are described on subsequent areas of this site and detailed in a comparative chart in our Provider Section. While the family of plans is intended to offer maximum flexibility to Sterling enrollees by enabling them to move from one plan to another as their needs and financial situations change*, Sterling plans treat all providers with the respect they deserve as the critical link between the patient and their health.

At Sterling, our goal is to provide the leadership necessary to help solve the complex healthcare financing and access issues facing older adults. As the Medicare market continues to grow and change, Sterling will further its dedication towards being the unsurpassed Medicare expert. We will develop, distribute and service a profitable portfolio of products providing value and choice to enrollees.

• We will be the recognized leader in offering a multiple-product platform to Medicare Beneficiaries in markets across the nation.



• We will establish:



• Credible relationships with providers and other key business associates;




• A national distribution system for product sales including both traditional and non-traditional distribution channels;




• Positive relationships with Medicare advocacy organizations; and




• A favorable reputation and strong working relationships with state and federal regulators by embracing the law and its regulatory intent.




• When administering health plans and related products, we will strive to exceed the expectations of our customers and our colleagues.




• We will offer innovative products to the market.




• We will be proactive in making recommendations to federal and state policymakers on changes and enhancements to Medicare and other insurance programs desired by Medicare Beneficiaries.




• We will create economic models for plan performance that make sense from the enrollee perspective, the provider perspective, the insurer perspective and with respect to successful business operations.




• We will create a work environment that presents challenge, rewards performance and offers opportunity for advancement. By doing so, we will energize our team members, not only impacting Sterling’s work culture and profitability, but enabling our team members to return this positive energy to their families and communities.