Who We Are . . .    What We Do . . .

What is different about American Sterling’s Third Party Administration (TPA) Department?

American Sterling will exceed your expectation for TPA services.  We have a dedicated staff that focuses on the needs of Employer groups from 100-1000 lives.  All members of the staff are cross-trained on a variety of functions; therefore, they have a broad knowledge base of the operation and can assist your every need.  American Sterling’s dedication to excellence is demonstrated daily through collaborative teamwork and a think tank approach to its operation.  American Sterling’s TPA Department is unique because we have consolidated our services to include a broker and consulting firm.  The needs of our clients are met in one office by our highly trained staff.

That's what makes American Sterling a different kind of company.
 

Don't like contributing to insurance carrier profits?

Consider a Self-Funded Medical Plan.

Why should your company consider self-funding for some aspects of your group medical plan? When you examine the statistics, most claims fall within a moderate range. The cost of insuring those moderate claims is more predictable. If your company is large enough to assume the risk for those claims, then it probably should. If it does, you won't give all the insurance profits to the insurance company.

The term "self-funded" can be slightly confusing. Your group medical insurance won't be totally self-funded. You'll simply use self-funding to cover the risks that are more predictable. The higher risks will be covered by a stop loss carrier who limits your exposure.

The self-funded programs are also more cost-efficient. You do not pay the insurance carrier for managing the program, and you will save money on technology costs. American Sterling believes in self-funding. Why? Because it makes sense for our clients.

That's what makes American Sterling a different kind of company.