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Sterling Medicare Select

ETMC partners with Sterling Medicare program.

East Texas Medical Center has partnered with Sterling Medicare supplement program. This program offers unique benefits and lower prices in its Select network. ETMC is among 380 contracted facilities in 22 states chosen by Sterling to be a part of this program.

Sterling Medicare Select is a type of Medicare Supplement Insurance or "MediGap" product. Sterling Medicare Select offers lower premiums in exchange for the policyholder's commitment to use Network Facilities - specifically East Texas Medical Center facilities - whenever inpatient hospital, outpatient hospital or ambulatory surgery center (ASC) are required. Exceptions to the network restrictions include emergency care, when traveling outside of the service area, or when required services are not offered at an ETMC facility. Policyholders can choose their own physicians; however, when they need inpatient or outpatient services, their physician must have the ability to admit them to an ETMC facility.

Benefits of choosing a Sterling Medicare Select supplement plan include:

● The same coverage as a traditional Medicare supplement plan, but at a lower price
● Plan options with minimal out-of-pocket costs
● A guaranteed renewable policy
● The ability to choose any doctor or specialist that accepts Medicare patients
● Guaranteed acceptance of insurance at East Texas Medical Center facilities

Advantages of a Sterling Medicare Select plan:

● This is not an HMO, but a Medicare Supplement or "MediGap" plan
● No physician network restrictions. Policyholders can choose their own physicians, including specialists. When policyholders need hospital or ASC services, their physician must have admitting privileges at an ETMC facility*, or be willing to refer them to a physician who does
● No utilization review, but assistance is provided to locate an East Texas Medical Center facility that provides the necessary service. No referrals, pre-certifications, or pre-authorizations are required

Sterling offers:

● Live customer service representatives
● More than 20 years of experience in Medicare
● Automated claims processing

To learn more about the plan please call toll-free: 1-877-906-0926 or visit

Plans Underwritten by Sterling Life Insurance Company, a Windsor Health Group Company.

For Sterling Medicare Select Supplement Insurance, neither Sterling nor its agents are connected with or endorsed by the United States government or the federal Medicare program. These policies may have exclusions, limitations and reductions of benefits. For costs and complete details of coverage, contact Sterling.

*Network Hospital and Network Facility restrictions apply. Nursing home, convalescent home or extended care is not included in the definition of "hospital." When non-emergency hospital services are needed, your physician must have Network Hospital admitting privileges. In case of emergency, or if your network hospital doesn't provide the services you require, you will still be covered at a non-network facility.  

Use of East Texas Medical Center facilities applies to Sterling Medicare Select Supplement policies sold in the following Texas counties: Anderson, Angelina, Camp, Cherokee, Delta, Ellis, Franklin, Freestone, Gregg, Harrison, Henderson, Hopkins, Houston, Kaufman, Lamar, Marion, Morris, Nacogdoches, Panola, Rains, Red River, Rusk, Shelby, Smith, Titus, Trinity, Upshur, Van Zandt, and Wood.