Account Management Services

Based on the account plan you chose, Sterling offers a variety of services that most other health services administrators don't offer. Because our employees have years of experience in the health insurance industry, we provide an unparalleled level of expertise.

• Explanation of Benefit (EOB) Review & Bill Paying – Expert review of your EOB and payment of HSA qualified healthcare bills to your providers with your prior approval. We can also reimburse you directly.
• Debit Cards – Sterling accountholders can request a debit MasterCard® for easy, secure and convenient access to funds in their HSA. Cards for dependents authorized to use the HSA funds are also available. For more information, go to Debit Cards & Disbursements.
• Account Statements – Quarterly statements for HSA accountholders and employers are provided to keep you well informed about account activity. This information is now also available online, if you have registered for online account access. With each statement, Sterling's CEO sends a personal letter discussing industry trends, useful tips for tax filing, IRS updates, and other helpful information.
• IRS Record Keeping – In the event that you are audited by the IRS, Sterling can reproduce records of account deposits and disbursements to verify that funds were used for IRS qualified medical expenses. We also notify accountholders if deposits exceed the maximum amount allowed by law or if manual distributions don't meet the IRS definition of qualified medical expenses.
• Online Banking – Available to all accountholders who have registered for online access to their account. With online banking and account access, you can make deposits and take disbursements through our eChecking service. Other features include the ability to review account information, update personal information, calculate contribution amounts and many other online tools.