Sterling Life Insurance Company, an A.M. Best “A-” (Excellent) rated insurer, offers a
portfolio of plans to cover virtually all the health, life and prescription drug insurance
needs of Medicare beneficiaries and other mature adults. The Sterling family of plans offers
maximum flexibility to enrollees by enabling them to move from one health plan to another
(as federal law allows), as their needs, circumstances, or financial situations change.
We call this very important feature Choice and Mobility.
Sterling Premier®, a Standard Medicare Supplement Insurance plan,
is designed for people who know they need additional coverage and have the desire to
maintain control over their healthcare decisions. Sterling Premier® has no
restrictions on physicians or hospitals.
One of Sterling’s most popular products, Sterling Medicare Select, is designed to provide the additional coverage
beneficiaries need, with the features they want most, at a price they can afford. To date, Sterling has contracted
with over 360 network hospitals and surgery centers around the country.
Sterling Option I® is a Medicare Advantage Private Fee For Service (PFFS)
plan featuring the freedom to choose any
doctor or hospital who accepts the plan's terms and conditions, and to see specialists without
a referral. Enrollees receive full coverage when traveling
within the United States and for emergency or urgently needed services outside the country.
As added benefits, this plan also offers programs to improve or maintain good health
such as: disease and care management, a 24-hour Nurse Advice Line, Sterling Forever Fit
Wellness Program, preventive dental, vision, hearing, and physical exam benefits.
Though some cost-sharing applies, plan premiums are
generally lower than Standard and Select Medicare Supplement Insurance.
Sterling Option IISM is a Medicare Advantage Prescription Drug (MAPD) Private Fee For Service
(PFFS) plan that offers enhanced Medicare benefits similar to Sterling Option I® plus
prescription drug coverage to make it even more attractive
while maintaining a low price. This plan is a cost effective
solution for those needing basic health and drug coverage.
Our newest plans, Sterling Option IIISM and Sterling Option IVSM, are enhanced plans
with out-of-pocket limits to protect enrollees from catastrophic medical costs. Both
plans also offer an allowance for non-Medicare covered benefits. Enrollees can use
the allowance as they wish for covered routine dental, hearing and vision services.
Sterling Option IVSM includes Medicare prescription drug coverage.
Sterling Partners® - Montana is another innovative plan from Sterling. This
Medicare Advantage Prescription Drug (MAPD) Private Fee For Service (PFFS) plan offers enhanced
benefits including routine dental, hearing, and vision, and then adds the very important
and much needed Medicare Part D prescription drug coverage. Sterling Partners® -
Montana is available in selected counties in Montana, and is accepted at contracted network hospitals.
Stand-alone Medicare Prescription Drug Plans
Sterling RxSM is a standard prescription drug plan offering under Medicare Part D.
This Medicare-approved PDP offers a rich, four-tier formulary and is accepted at
more than 50,000 pharmacies nationwide.
Sterling Rx PlusSM is a real leader in the market, providing all of the benefits of our
standard Rx plan plus no co-pay, no deductible and coverage through the "coverage
gap" when generic drugs are used. This option takes away a large portion of the
out-of-pocket expenses that our customers experience and is a major selling point against our competition.
Complementary Products
Sterling Life Insurance Company offers three types of life insurance plans: Whole
Life, Limited Benefit Whole Life and Child Life Protector which provide addtional
benefits to our enrollees as well as increased income opportunities for our Sales Agents.
Sterling Long Term Care helps pay for long term care provided at home, adult day
health centers, assisted living facilities, hospice and provide respite care in addition
to nursing home care because only a small percentage of Americans needing long
term care live in a nursing home.
In partnership with our parent company, Combined Insurance Company of America,
Sterling offers supplemental health insurance plans including Critical Condition,
Cancer and Senior Cancer. These plans provide policyholders with the means to
help pay some of the expenses associated with an illness. They provide benefits to
policyholders who are totally disabled by cancer or another covered illness.
Sterling Discount RxSM is a discount pharmacy program. This program is open to
Sterling health plan enrollees/policyholders and is accepted at more than 50,000
pharmacies nationwide. There are three tiers of discounts for prescriptions and two plan
options - individuals or families, each with an affordable monthly membership fee.
Sterling is constantly researching and developing new and innovative
products to bring to our market. Our offerings continue to grow each year
and new plans mean increased income opportunities for our Sales Agents.
1. Local Sales Agents–our most important resource
2. Choice and mobility
3. Reliable company
4. Outstanding customer service
5. Provider satisfaction
6. Choice of physician and other providers
7. Automated claims processing
8. Local offices and a national presence
9. 24-hour toll-free Nurse Advice Line available
10. Prescription drug plan options
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“We have some very good people on our staff that are thinking
very intelligently about what seniors really need.”
—Sterling Sales Agent
“We have numerous choices, so there’s one plan for anybody
and everybody. That’s what our business is all about—people.”
—Sterling Sales Agent
“If we have an idea that maybe we might want to change our
plan, because they have several of them—and it’s just no problem. The door is always open.”
—Kenneth G.
Sterling Customer
“The people at Sterling—it’s such an important part of this.
We are “hands-on” with every client. We will help them in every way.
Everything that we do is in the client’s best interest. And to me, that’s just invaluable.”
—Kathy R.
Sterling Sales Agent
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