In a large skillet over medium heat, brown and drain sausage. Add onions, carrots and bell pepper, cook until tender. Stir in flour till smooth. Slowly stir in milk, stirring til mixture thickens and boils. Stir in worcestershire and sage.
In a 2 quart baking dish, combine beans and sausage mixture. Bake, at 350F, uncovered for 30 minutes or until hot and bubbly.