Discounts Individual insurance market demands led Sterling to develop our own Sterling Value Added discount program. This program includes thousands of providers and many businesses across the country offering discounts on medical supplies and other services. In the absence of a prescription drug coverage program, it also includes valuable savings of up to 30 percent on retail prescription drug costs through nationally recognized pharmacy chains. Insured prescription program Through our strategic relationships, Sterling makes fully insured prescription drug coverage available. Underwritten by a quality rated insurer and administered through a variety of Pharmacy Benefit Managers (PBMs), these programs can be used to limit the risk associated with self-funded programs or off-load the risk entirely to the underwriting insurer. Care coordination The best formula for quality healthcare centers around informed patients and attending physicians without third-party interference. At Sterling, we believe the right strategies and approaches will improve quality and significantly reduce costs. We offer: Nurse Advice Line—patient advice 24 hours a day Case Management—assistance with navigating the “healthcare maze” Disease Management—education and patient support for long-term chronic disease One-to-one service You can count on your Sterling account team to be responsive to your needs. They will take the time to explain plan options for you as well as field questions and concerns on an ongoing basis. Most importantly, there will always be a Sterling team member available to expedite solutions for you or your retirees. At Sterling, we practice personal customer service every day.

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