The Sterling Standard.
Sterling Insurance works with major health insurance carriers, as well as smaller firms, to provide our clients with the highest quality and most cost-effective solution available. 
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Our Leading Carriers
We're A Different Kind of Agency

At Sterling Insurance, we've established a new standard. We do more than just provide top-notch group benefits and insurance plans, we become your human resources partner.

We work for you and provide the personal attention you need to make the best decisions for your business or family.
This is the Sterling Standard. 

Group Benefits

Medicare Advantage

Retirement Services

Sterling Insurance provides a full array of solutions to help employers create their own specific, tailored and and cost-effective group benefits plan. We strive to leverage the changes throughout the marketplace and provide the personal attention rarely found at other firms.
Generally, a plan offered by a private company that contracts with Medicare to provide Part A and Part B benefits to people with Medicare who enroll in the plan. Medicare health plans include all Medicare Advantage Plans, Medicare Cost Plans, and Demonstration/Pilot Programs. Programs of All-inclusive Care for the Elderly (PACE) organizations are special types of Medicare health plans that can be offered by public or private entities and provide Part D and other benefits in addition to Part A and Part B benefits.
Sterling Insurance provides a variety of retirement services for employees and individuals. Below are a few examples of these services, but don't hesitate to contact us if there is another service you are looking for.
Group Benefits
Sterling Insurance provides a full array of solutions to help employer's create their own specific, tailored and cost-effective group benefits plan. We strive to leverage the changes throughout the marketplace and provide the personal attention not found among other firms.
Group Health Plans
Through sophisticated and unbiased solutions, we can help you create a plan designed to assist you in attracting and retaining quality employees. 

Our services include:

  • Health
  • Short Term Disability
  • Long Term Disabilty
  • Life
  • Dental
  • Vision
  • Long Term Care
To inquire about what options are available, you can fill out our online quote form or contact Sterling Insurance Group directly at 317-885-9105 or tom@sterlinginsgrp.com.
Medicare Advantage
13 Things You Need to Know about Medicare Advantage Plans
 
  1. You're still in the Medicare Program.
  2. You still have Medicare rights and protections.  
  3. You still get complete Part A and Part B coverage through the plan.
  4. You can only join a plan at certain times during the year. In most cases, you're enrolled in a plan for a year.
  5. You can join a Medicare Advantage Plan even if you have a pre-existing condition, except for End-Stage Renal Disease (ESRD).
  6. You can check with the plan before you get a service to find out if it's covered and what your costs may be.
  7. You must follow plan rules, like getting a referral to see a specialist to avoid higher costs if your plan requires it. The specialist you're referred to must also be in the plan's network. Check with the plan.
  8. If you go to a doctor, other health care provider, facility, or supplier that doesn't belong to the plan's network, your services may not be covered, or your costs could be higher. In most cases, this applies to Medicare Advantage HMOs and PPOs.
  9. Providers can join or leave a plan’s provider network anytime during the year. Your plan can also change the providers in the network anytime during the year. If this happens, you may need to choose a new provider.
  10. If you join a clinical research study, some costs may be covered by your plan. Call your plan for more information.Get your plan's contact information from a Personalized Search (under General Search), orsearch by plan name.
  11. Medicare Advantage Plans can't charge more than Original Medicarefor certain services like chemotherapy, dialysis, and skilled nursing facility care.
  12. Medicare Advantage Plans have a yearly limit on your out-of-pocket costs for medical services. Once you reach this limit, you’ll pay nothing for covered services. This limit may be different between Medicare Advantage Plans and can change each year. You should consider this when choosing a plan.
  13. If the plan decides to stop participating in Medicare, you'll have to join another Medicare health plan or return to Original Medicare.
Medicare Advantage Plans
Retirement Services
Sterling Insurance provides a variety of retirement services for employees and individuals. Below are a few examples of these services, but don't hesitate to contact us if there is another service you are looking for.
  • Retirement & Benefit Plans
  • 401(a), 403(b), 457
  • Profit Sharing Plans
  • Defined Benefit and Contribution Plans
  • Qualified or Non-Qualified Deferred Compensation
  • Direct Transfer and Rollover Plans
  • Consultation Services available upon request

To inquire about what options are available or to receive a quote, you can contact Sterling Insurance at 317-885-9105 or tom@sterlinginsgrp.com.
Retirement Services