Medicare has its benefits, but it was not designed to pay all of Medicare beneficiaries' healthcare costs. It leaves some gaps in coverage that become the beneficiary's responsibility. Some gaps include: payment of Medicare's deductibles and coinsurance, physician charges over the Medicare allowable, emergency care while traveling abroad, and prescription drug coverage. In order to bridge some of these gaps, most beneficiaries purchase additional coverage. The most common form of coverage beneficiaries purchase is Medicare Supplement or "Medigap" insurance. Sterling Premier®
is a standard Medicare Supplement insurance product available to Medicare beneficiaries 65 and older, and in some states, disabled beneficiaries under age 65. Sterling Premier®
is not available in all areas.
Plan Details - Outlines of Coverage by state
Advantages of a Sterling Premier® plan:
No Network Restrictions. Policyholders can choose their own physicians, including specialists, and can receive care at any hospital.
No referrals, pre-certifications, or pre-authorizations are required. No Utilization Review performed.
Claims can be filed electronically and are usually paid within five business days of receipt from the Fiscal Intermediary or Carrier.
No capitated payments. Payments are made under the Fee-for-Service system subsequent to payment by the primary payor, Medicare. In other words, you are paid for the services you provide.
This is not a Medicare Advantage plan, but a Medicare Supplement or "Medigap" plan.
All plans provide coverage to policyholders while traveling throughout the United States.
- Preeminent service featuring local sales agents and automated claims processing.
Value-added programs included with Sterling Premier® Medicare Supplement policies:
Sample Sterling Premier® ID Card
Value-added programs are considered member services and are not insurance benefits. Programs are subject to change or can be discontinued at any time. Silver&Fit and Nurse Advice Line are not offered by Sterling in the state of Illinois.
1The Silver&Fit® program is provided by American Specialty Health Fitness, Inc., a subsidiary of American Specialty Health Incorporated (ASH Fitness). Silver&Fit is a federally registered trademark of ASH and is used with permission herein.
2 DISCOUNT ONLY – NOT INSURANCE. Discounts are available exclusively through participating pharmacies. You may cancel your registration at any time by contacting Customer Care. Administered by Medical Security Card Company, LLC.