The biggest employer advantages of self-insuring are control and cost savings. Our programs deliver both. The biggest advantages of working with Sterling SIA to administer the self-insurance program are flexible, integrated, single source solutions for small and large employer groups.
We offer two types of self-insurance programs - Sterling Level Funding and Sterling Traditional Self-Insurance. The right product choice depends on claims experience, stop loss underwriting guidelines, group size and demographics, and state regulations.
We work with clients who have claims experience and those who don't through our contracts with multiple "A" rated stop-loss carriers. We give employers choices about health plan design, including pharmacy benefit management and wellness, depending upon which program is implemented. We help guide decisions based on years of experience administering consumer directed health plans that engage employees in making healthy, cost conscious choices. It all adds up to employer control and cost savings with expert Sterling administration.
