Sterling Medicare Advantage Private Fee-for-Service (PFFS) plans are offered by Sterling Life Insurance Company. For non-network plans, Sterling allows its members to use any provider, such as a physician, health care professional, hospital, or other Medicare approved provider in the United States that agrees to treat our members after having the opportunity to review these terms and conditions of payment, as long as the provider is eligible to provide health care services under Medicare Part A and Part B (also known as “Original Medicare”) or eligible to be paid by Sterling for benefits that are not covered under Original Medicare.

Once you have an opportunity to review these terms and conditions of payment and you treat a Sterling member, you will be “Deemed” to have a contract with us.

For network PFFS plans, providers who have signed contracts with our plan have already agreed to see members of our plan for all services covered under Original Medicare and have agreed to accept our terms and conditions of payment.

For plan specific terms and conditions please see below.

2011 Terms and Conditions

• 2011 Sterling Terms & Conditions 

2010 Terms and Conditions

• 2010 Sterling Terms & Conditions
• 2010 Sterling Retiree Options Terms & Conditions

2009 Terms and Conditions

• 2009 Sterling Terms & Conditions
• 2009 Sterling Retiree Options Terms & Conditions