About Sterling Health Plans

Sterling Health Plans offers a nationally recognized family of health products with both traditional and innovative Medicare coverage. Available in most geographic areas, Sterling has six primary plans: Sterling Premier®, Sterling Medicare Select, Sterling Option I®, Sterling Option II^SM, Sterling Option III^SM, and Sterling Option IV^SM. This range of plans is intended to provide maximum flexibility to Sterling enrollees, enabling them to move from one health plan to another as their needs change, as allowed by federal regulation. Movement between plans within the same insurer serves the provider by offering continuity with Sterling, even though the patient may choose a different product.

Health Plan Options

Sterling Premier® - A Medicare Supplement insurance plan that offers policyholders choice and mobility in selecting their physician, including specialists and hospitals.

Sterling Medicare Select – A Medicare Supplement insurance plan that offers choice of physician and an affordable premium discount in exchange for using a designated hospital and ambulatory surgery center network.

Sterling Option I® - A Medicare Advantage Private Fee For Service Plan that features freedom to choose doctors, hospitals, and specialists without referral (as long as the providers agree to accept the terms, conditions, and payment rates of Sterling Option I®). Enrollees are automatically eligible for a voluntary Sterling Care Coordination program, and preventive wellness benefits, including vision, hearing and dental services, as well as a routine physical exam. In addition, enrollees can enjoy the Sterling Forever Fit program, which pays for membership fees at selected local gyms and provides discounts on health education literature.

Sterling Option II^SM–A Medicare Advantage Private Fee For Service Plan that features prescription drug coverage. As with Sterling Option I®, enrollees may see the healthcare provider of their choice and enjoy the additional features of the Sterling Care Coordination program, preventive wellness benefits, and Sterling Forever Fit.

Sterling Option III^SM– A Medicare Advantage Private Fee For Service Plan that features “physician friendly” benefits and an out-of-pocket maximum. This plan has the same structure and benefits of Sterling Option I®, but also offers providers the opportunity to be reimbursed for email/phone consultations, health risk assessments, and electronic health record attestations. Sterling Option III^SM enrollees have an out-of-pocket maximum of $3,000.

Sterling Option IV^SM – A Medicare Advantage Private Fee For Service Plan that features “physician friendly” benefits, an out-of-pocket maximum, and prescription drug coverage. This plan has the same structure and benefits of Sterling Option II^SM, but also offers providers the opportunity to be reimbursed for email/phone consultations, health risk assessments, and electronic health record attestations. Sterling Option IV^SM enrollees have an out-of-pocket maximum of $4,000.

Why Choose a Sterling Health Plan?

In addition to offering this variety of options for Medicare beneficiaries, Sterling strives to develop and maintain strong relationships with providers. Whenever hospitals or physicians call Sterling with questions, they can rest assured knowing a well-trained, friendly customer service representative will personally assist them. To learn more about Sterling, click on one of the informational links below.

Online Provider Manual

Standard Supplement Plans

Medicare Advantage Plans

Medicare Advantage Claim Information

Contact Us