Sterling Life Insurance Company, an AM Best A- rated (Excellent) insurer, provides consultation, advice and creative product development ideas for the Medicare system. Supported by nearly 15 years of experience in administering healthcare coverage to Medicare-eligible retirees, we specialize in custom product design for retiree groups, Medicare claims processing, customer service, premium services, marketing, sales, and care coordination. Today, through these efforts, Sterling has created a multiple-product platform to benefit your company. When you partner with Sterling, you’re working with Medicare specialists. Our relationship with the Centers for Medicare & Medicaid Services (CMS) allows us to offer your retirees the largest single Medicare Advantage service area in the country (25 states) through Sterling Life Insurance Company’s Medicare Advantage Private Fee for Service plan (PFFS)—Sterling Option ISM. Sterling was the first insurer in the nation to offer a PFFS plan. Sterling Option ISM provides affordable healthcare to retirees in many rural areas of the country. With a variety of group and individual Medicare products, Sterling maintains a strong provider network throughout the country. Our Sterling Option ISM plan currently has over 110,000 providers in its database. We have also developed numerous multi-state provider networks to support our Medicare Select (PPO) product filings. Your company will profit from our keen understanding of the use of the innovative benefits opportunities under Medicare regulations. Mastering this expertise demands great emphasis on plan administration, requiring nationwide Medicare claims processing. Our claims system is capable of determining CMS approved, Medicare equivalent payments for any service rendered by any provider, anywhere in the country. No other claims system can provide this level of national coverage or support. Plus, Sterling is well versed in HIPAA and compliance issues. Starting in June 2000, Sterling began the arduous task of moving towards support of the uniform data exchange requirements, known as Transactions and Code Sets. Sterling understands these complex rules and regulations, so you don't have to.

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