Proactive Risk Management That Protects Your Plan and Your People.
Expert Guidance for Complex Care, Cost Control, and Clinical Oversight
With Blue Water Underwriting, risk management is more than a service—it is a strategic advantage. Our consultative team brings decades of experience to help you identify complex risks, manage specialty care, and improve outcomes while lowering costs. With a high-touch approach that includes claim analytics, eligibility oversight, and access to negotiated clinical resources, we deliver measurable savings and peace of mind. Let us help you protect your plan with expertise and precision.
Specialized Risk Oversight
We offer advanced risk management strategies that go beyond traditional plan administration. Our team brings deep technical expertise to address complex risks, defend plan integrity, and deliver value that extends well beyond the basics.
Exceptional Service Experience
Our clients consistently recognize our service team for its responsiveness, professionalism, and attention to detail. We are committed to providing a positive experience for both employers and members, ensuring that questions are answered and issues are resolved quickly and thoroughly.
Proven Risk Management Results
With a 100% success rate, our experts identify high-risk conditions early and coordinate access to clinical resources and specialty providers at negotiated rates. We use claim analytics to support smarter care decisions, educate patients, and apply alternative coverage options where appropriate—all with the goal of improving outcomes and reducing unnecessary costs.
Case Study #1
A newly diagnosed patient was administered an infusion therapy drug scheduled to be administered every six months thereafter. Billed charges of $143K were payable at a net rate of $62K after the application of the network discount. Our team, working with specialty drug sources and a clinical Case Manager to support the patient, executed delivery of the infusion therapy medication to the administrating provider rather than sourcing from the facility pharmacy.
As a result, the new billed charge amount for the second and subsequent treatments was reduced to $31.6K, and the net payable was reduced to $21.5K. A claim cost savings of $40,630.57 – every six months.
Case Study #2
A pediatric patient required a specialty procedure. In cooperation with parents, a clinical Case Manager and third-party medical director identified a less invasive procedure available at a specialty hospital. Although still experimental, the specialty provider had a record of successful clinical trials. As a result, we negotiated a flat case rate with the facility at a rate lower than the traditional procedure. In addition, the facility agreed to assume any expenses in excess of the flat rate. Cost was 55% of the standard procedure cost while the patient benefited from quicker recovery based on the less invasive nature of the procedure.
Case Study #3
Plan participant diagnosed with the need for organ transplant services. Our consultative team arranged for specialty review at an alternative facility with higher positive outcome data. Upon confirmation of diagnosis, the patient preferred to utilize the second opinion source, and our team negotiated a flat case rate for the procedure. The negotiated rate allowed the patient to receive care from a provider with higher clinical outcome ratings without increasing the cost to the Plan.
Request a Custom Quote.
Discover how our technology can enhance your benefits experience and streamline administration from day one.