Sterling Medicare Supplement: Many Options From One Company

The Sterling Life insurance company also has a medical branch which is exclusively dedicated to the needs of seniors who are looking for a Medicare supplement option. Sterling Medicare supplement insurance gives you a variety of choices, including:

• Medicare supplement plan
• Medicare Advantage plans (Sterling Option 1 & Sterling Option 2)
• Medicare Part D prescription drug plan

Let’s take a look at a few of these plans a little more in-depth.

Medicare Advantage Plan: Sterling Option1

Sterling Option1 is a Medicare Advantage plan which allows you to combine your Medicare and Medicare supplement services. This means that you will see your doctor and his office will bill Sterling directly. Sterling will then pay the bill and notify Medicaid of their portion, who will then pay Sterling. This saves you the time and trouble of worrying about filing claim forms with both Medicaid and Sterling. Sterling will handle it all and simplify the process for you as much as possible. All you have to worry about is paying the premium of your Sterling Medicare supplement plan and the premium for your Medicare Part B plan.

here are several benefits you get by choosing Sterling Option1. With Sterling Option 1 you:

· Can choose your own doctors and hospitals. The only requirement is that they agree to Sterling’s conditions. There is a list of providers that have already agreed to partner with Sterling, which is provided for your convenience.

· Don’t have to get a referral first in order to see a specialist. You can see a specialist when you feel you need to see one, without getting approval from your doctor.

· Have coverage even while you are travelling. This is a nice perk if you are using your retirement time to see the world or enjoy a cruise. It will really take the stress off knowing that you have Medical coverage during this time.

Medicare Advantage Plan: Sterling Option 2

Sterling Option 2 is an identical plan to Sterling Option1, except that you get the added benefit of prescription coverage as well. There are over 55,000 pharmacies that participate in Sterling Option 2 and you can even choose to order your prescriptions through the mail if it is more convenient for you.

At a time in your life when your prescription costs can increase rapidly and without warning, it is important to have help paying these costs. Many seniors can find themselves paying $300-$500 in prescription costs per month even WITH Medicaid, so you can see how important this coverage can be. Unfortunately, some seniors often have to make a decision between buying groceries and buying their medicine. Don’t per yourself in this position by going unprotected.

Additional programs through Sterling include Sterling Rx plan, Sterling Rx Plus, Sterling Premier, and Sterling Medicare Select. All of these programs are for seniors who are looking for additional protection beyond their normal Medicaid coverage and all are great coverage options for anyone who is seeking Sterling Medicare supplement insurance.