Guardian Health Care - Providing Healthcare Solutions for Your Family

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Safety Notices

Guardian Healthcare is now underwritten by Sterling Life Insurance Company

As of November 1, 2010, the Guardian Healthcare Medicare Advantage plans are now underwritten by Sterling Life Insurance Company. Sterling, which has an A- rating with A.M. Best, is a subsidiary of Munich Re, a leading global reinsurer. Sterling operates Medicare Advantage and Medicare Supplement plans in local communities across the country.

Just like Guardian, Sterling believes healthcare is local and that customer service, access to your preferred providers, attractive benefits, and accountability are important to our members. Guardian's new relationship with Sterling provides the peace of mind and stability you deserve when choosing a Medicare Advantage plan.

As a Guardian member, you will continue to enjoy the same service and benefits currently available to you through 2010. You will soon be receiving your 2011 membership packet with your Guardian ID card and a description of the 2011 benefits, premium and service area. Please continue using your Guardian ID card in the same way you always have through the end of the year.

Now that Guardian Healthcare is underwritten by Sterling Life Insurance Company, your health care benefits are more secure than ever.

Sterling is pleased to be able to serve the members of Guardian Healthcare and is looking forward to a long and healthy future.

If you have questions, please call 1-877-661-7181 (TTY 1-888-844-5530), Monday through Sunday 8 a.m. to 8 p.m. Eastern time.

Welcome to the Sterling family.

Providers: All claims with a date of service on or after November 1, 2010 are processed and paid under the new relationship with Sterling Life Insurance. Claims with a date of service on or prior to October 31, 2010 are under the jurisdiction of the South Carolina Department of Insurance (DOI).

In order for you to collect payment for anything above the allowable member cost share, you must file a Proof of Claim with the South Carolina DOI. You are not permitted to bill a member for anything beyond their cost share. You may obtain instructions for submitting a Proof of Claim to the South Carolina DOI directly from the following website http://doi.sc.gov/legal/Pages/receivershipcompanies.aspx . From that page you will want to select the link entitled "Proof of Claim, Instructions, Schedule A and W-9 with Cover Letter to Providers".

We are here to help. If you need to confirm the maximum allowable amount you may collect, please contact our Member Services Department at 1-866-850-1256 (TTY only, call 1-888-844-5530). Hours are Monday through Friday, 8:00 a.m. until 8:00 p.m. EST. If you have questions about the submission of Proof of Claim process, please contact the South Carolina Department of Insurance at the following mailing address: Guardian Healthcare Liquidating Trust Post Office Box 8625 Columbia, SC 29202

H7341_H9779_18911 Pending CMS Approval

GHC0910 (H4917); (H9779) CMS Approved 11/17/2009

Guardian Healthcare is underwritten by Sterling Life Insurance Company. A Medicare Advantage organization with a Medicare contract. Guardian Healthcare offers Medicare Advantage Private Fee-for Service (PFFS) plans throughoutSouth Carolina and a Preferred Provider Organization (PPO) Plan in Greenville County, South Carolina. Guardian Healthcare renews its contract with the Centers for Medicare and Medicaid Services (CMS) annually. Benefits beyond the current contract year are not guaranteed. Even if a Medicare Advantage plan leaves the area, you will not lose Medicare coverage.

A Medicare Advantage Private Fee-for-Service (PFFS) plan works differently than a Medicare Supplement plan. Your doctor or hospital must agree to accept the plan?s terms and conditions prior to providing healthcare service to you with the exception of emergencies. If your doctor or hospital does not agree to accept Guardian Healthcare?s payment terms and conditions, they may not provide healthcare services to you, except in emergencies. Providers can find Guardian Healthcare?s terms and conditions on Guardian?s website at: myguardianhealth.com. When you enroll in a Medicare Advantage Private Fee-for-Service plan you must continue to pay your Part B premium. For additional Information on the Medicare Advantage Plans offered by Guardian Healthcare, call 1-877-554-8273 Monday through Friday 8:00 am. until 8:00 pm. TTY users call 1-800-955-8771.