Sterling Area Health Center participates in many health plans, and accepts most insurances including Medicare and Medicaid. Some health plans are better for preventative care than others; some health plans offer more choices. We review health plans with your interests in mind.

The Center is also authorized by the Centers for Medicare and Medicaid Services as a Certified Application Counselor Designated Organization. Our application counselors can provide free assistance for: the Marketplace, Open Enrollment, Medicaid, Healthy Michigan Plan enrollment, MIChild/CHIP children’s health care coverage, questions when switching insurance, Marketplace subsidies- to lower the cost of monthly premiums, assistance filling out applications and documents needed for submission. If you have any questions or concerns about your health care coverage please give us a call to connect with an Application Counselor.


Sterling Area Health Center has a sliding fee available to qualified individuals who do not have insurance. Our plan can significantly reduce the cost of your office visits!

If you are paying cash, you're expected to pay at the time of service. If you have insurance and are expected to pay a co-pay and / or deductible, that amount is due on the day of service.

Insurance plans we participate in includes:

  • Medicare
  • Medicaid Michigan
  • BCBS of Michigan – Traditional
  • PPO
  • PPO Trust
  • Medicare Plus Blue and Plus / Advantage
  • Blue Care Network and Health Plus HMO's (The subscriber must be assigned to one of our doctors)
  • Traditional Medicaid
  • Meridian Medicaid
  • McLaren Medicaid and Molina

Commercial insurance plans we participate in are:

  • Aetna / Cofinity
  • Priority Health
  • Tricare North 2 and 5
  • Central Health Plan
  • Northeast Health Plan
  • Allied Benefit Systems
  • First Health Network
  • Michigan Consumers Healthcare CO-OP (MCHCO)
  • All Humana Plans

We will courtesy bill for most commercial insurance plans.

Sterling Area Dental Clinic also participates in the following insurance plans:

  • Delta Dental
  • Blue Cross Blue Shield
  • Medicaid
  • Delta Dental Healthy Kids
  • DenteMax


The Health Insurance Marketplace provides community members who are uninsured, or who buy their own coverage, a new way to shop for health insurance. The Marketplace provides a single application for all available health insurance programs, including Marketplace plans, Medicaid and MIChild.

Residents who are not sure what type of coverage they qualify for are encouraged to use the Marketplace to learn about their options and to enroll.

All insurance plans in the Marketplace will cover the same set of essential health benefits. These benefits include doctor visits, hospitalizations, maternity care, emergency room care, prescriptions and more.

Each plan has to show the actual costs and explain what is covered in simple language with no fine print. Financial help available through Marketplace, tax credits and cost-sharing reductions may lower the amount residents must pay, making health insurance more affordable.

To apply, individuals should visit and review the application and coverage options for more details.

For more assistance, consumers can call the Marketplace’s health care hotline at 1-800-318-2596 24 hours a day, seven days a week. They can also contact Sterling Area Health Center at 989-654-2491 and schedule an appointment for one-on-one application assistance.


Sterling Area Health Center is serving as a Certified Application Counselor to help patients and local residents apply for newly available health insurance coverage.

If you are uninsured, we encourage you to call or visit Sterling Area Health Center and ask to speak with an application counselor, who will assist with completing the application as well as understanding the benefits and costs of each health plan.

Sterling Area Health Center’s application counselors are trained and certified by the Centers for Medicare and Medicaid Services (CMS) to ensure they can provide you with the maximum level of enrollment assistance while following rigorous privacy and security standards to protect sensitive personal information.

Fellow community members who need assistance applying for and understanding new health insurance options are encouraged to contact Sterling Area Health Center at 989-654-2491 for help. Our trained staff is ready and waiting to assist our neighbors, patients and friends in getting the coverage they need.

If you have additional questions about these services, contact Ashley at 989-654-2491 extension 6051.

725 E. State Street, Sterling, MI 48659
Tel: 989-654-2491  •  Fax: 989-654-2190
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Sterling Area Health Center receives HHS funding and has Federal Public Health Service (PHS) deemed status with respect to certain health or health-related claims, including medical malpractice claims, for itself and its covered individuals. For more information about the legal protections offered to FTCA-deemed health centers and their employees, please click here.