hZn> Z,Y( B>"I(urHY*UY+;UeC+T]*hhsU72oreCg*8UH\paV3&3!&T1X%0IU A person must have a body mass index (BMI) of 40 or greater, orBMIof 35 or greater with an obesity-related co-morbid condition including, but not limited to: **Please Note: All clinical guidelines and qualifying factors vary based on insurance company and the policies in place. Their accounting department is fabulous. 0 Worst company ever. <<5D0A48CDAB051444A35BDEC03408FBA1>]/Prev 447176/XRefStm 1617>> In all other states (where available), Cigna Dental Care plans are insured by Cigna Health and Life Insurance Company, Cigna Health and Life Insurance Company or Connecticut General Life Insurance Company. - Unresponsive, confusing processes even for their own customer service reps; Customer service was prompt in answering my call and also resolving the problem I had with a provider. Meet Bywater. 2023 CWI Benefits, LLC All rights reserved. Cigna Onsite Heath, LLC provides management services to worksite health and wellness centers in Michigan, Minnesota, New Jersey, and North Carolina. I then had to explain that an ultrasound is NOT an X-ray but that an X-ray falls under radiology which has a different copay amount. jerej Jn Schedule Consultation Schedule Consultation Contact Info Visit Website Address 0000001787 00000 n As a third-party administrator, we specialize in helping small to mid-sized companies make the switch from fully insured to a self-funded plan, guiding and simplifying the process every step of the way. Cigna is more than a health insurance company. For other questions regarding eligibility and coverage of services, please contact your health plan representative. All member calls answered in 2 minutes or less, Acknowledgement of all inbound inquiries in 24 hours or less, All employers onboarded with their Summary Plan Description completed in 30 days or less, 99% of all claims adjudicated accurately in 14 days or less. If you are a decision maker for your employee benefits at your company, and would like additional information about CWIBenefits services please complete this form. Worst insurance ever!!! tbc@bywater.com. For a physician referral, please call (800) UCLA-MD1(825-2631). Companies must offer compeitive benefits in markets like Cleveland-Elyria, OH due to increasing demand for employees. This means you have access to Cigna's In-Network providers and . Plans come with $0 virtual care and $0 preventive care Financial assistance available, if you qualify Additional coverage for diabetes and asthma/COPD, if needed Available for shopping during Open Enrollment (Nov 1-Dec 15, in most states) See what Cigna offers Report. 0000014378 00000 n As a global health service company, Cigna's mission is to improve the health, well-being, and peace of mind of those they serve by making health. 278 0 obj <> endobj You are always responsive and helpful. Read full disclaimer. Cigna may not control the content or links of non-Cigna websites. 0000005737 00000 n 0000050665 00000 n - Randomly rejecting claims, even the recurring treatments, or COVID tests after exposure!! Commercial/Group Products Whether it is claims processing, enrollment, workers compensation or HR data management, we will continue to help meet your benefit plan administration needs. Serving Central Florida Since 1977. I have wasted hours & hours on the phone with their customer service trying to make sense of their EOBs. 8. Companies must offer compeitive benefits in markets like Cleveland-Elyria, OH due to increasing demand for employees. Get tools and flyers to share with your clients. Chattanooga, TN 37422-7223. Accidental injury, critical illness, and hospital care. Switching to a self-funded plan is easier when you have a trusted partner to help guide you. Please Contact us at310-825-7163. In North Carolina, patient care services for worksite health and wellness centers are provided by Cigna HealthCare of North Carolina, Inc. 0000005049 00000 n Our personalized customer service, simplified ordering process and post shipment compliance program ensures you have your diabetes supplies on-time, every time! Our team always puts the customer first. There is no guarantee of specific results. No vision or dental offered. 0000011061 00000 n 7In Virginia, worksite health and wellness centers are provided by Cigna Health and Life Insurance Company. Please email us atContactUs@myEHCS.com. Get tools and flyers to share with your clients Dental Network Together, we can build a solution that's right for your clients For more information, email CignaPayerSolutions@cigna.com or call 1 (888) 284-6851. So fast. Implementation & integration is seamless, as we bring 30 years of expertise & technology to your clients. 0 However, it is important to check with our office to ensure your health policy covers your weight loss surgery procedure. 0000028532 00000 n For example, they left me a $500 copay stating my X-ray taken at the hospital was for an outpatient hospital stay. Cigna is a health and wellness company which specializes in fitness programs, individual private medical insurance and global health benefits. Were committed to helping you manage your health plan efficiently, with best-in-class service no matter your group size. IN - Cigna HealthCare of Indiana, Inc. and Cigna HealthCare of Illinois, Inc. MO - Cigna HealthCare of St. Louis, Inc. and Cigna HealthCare of Tennessee, Inc. NC - Cigna HealthCare of North Carolina, Inc. NJ - Cigna HealthCare of New Jersey, Inc. SC - Cigna HealthCare of South Carolina, Inc. Cigna Health and Life Insurance Company (900 Cottage Grove Road, Bloomfield, CT 06002 USA) or Connecticut General Life Insurance Company (900 Cottage Grove Road, Bloomfield, CT 06002 USA). 0000007851 00000 n Cigna Collaborative Care Listing Home Delivery Medical Supplies and Services Lifesource Organ Transplant Network Multiplan (Out-of-Network) Directory Payer Solutions Shared Administration Repricing (SAR) Choosing Wisely State of Vermont: Annual Hospital Report Cards Dental Dental PPO SA Plus or Dental PPO SA Directory Radius Dental Directory 0000012607 00000 n Enroll Today for Fast, No Hassle Processing of Your Diabetes Supplies. I find Bill Bywater to have high integrity, hes part of the local community, his roots are here, and he hires great people. Delivering value for Third Party Administrators. Together, we can build a solution that's right for your clients. Disregard the Scranton, PA address on the ID card and submit all medical claims and correspondence to the appropriate Chattanooga, TN address shown in the tables of the November 2010 issue of Network News. CO - Cigna Dental Health of Colorado, Inc. DE - Cigna Dental Health of Delaware, Inc. FL - Cigna Dental Health of Florida, Inc.6. The worst, most painful experience of my life! The legal entity insuring or administering any specific product may vary. CA - Cigna HealthCare of California, Inc.1. 0000000016 00000 n Learn about ByWater Solutions , including insurance benefits, retirement benefits, and vacation policy. Being able to depend on responsiveness when its most critical provides me with a certain level of comfort., Implementation was a challenge for my team. 0000027772 00000 n About Your Insurance Presbyterian Hospital accepts most major insurance, including Medicare, Medicaid, and Presbyterian Health Plan. a listing of the legal entities Cigna. hb``b````e` @16zGm`!1l{E=>xmX01)0;w024`4oPp`bbs`fbI0r. *Weight loss results can vary depending on the individual. 0000006808 00000 n In California, CWIBenefits, LLC does business as CWIBenefits Insurance Services (as agency) and CWIBenefits Administrator (as TPA). 0000001945 00000 n Hopefully some will be easier. Request Information. If you are a participant please call 800.992.8088 or email customerservice@cwibenefits.com. ", "I love that Bywater is a TPA willing to meet the needs of our businesses with smaller employee populations. In jurisdictions outside the USA and Canada, products and services are offered by or through Cigna Global Insurance Company Ltd. or affiliates and contracted companies. Medical Claims. b\e1*O?;c;>y ./}?=T_U_s4phSELM%:TGzM}]{;Z{Sd7ps5_6? 7evt>O7/y}b *]VA{G'9 "FW/_8TKVbro4UZ{#z06yg7tur4M.YYOGQH|6}GE>T}4]Lv.\+U(+MYn[jz.w/M\cS QU?!zbms`,{P4>mT=Qjb,%{1CaC:bR* 5R;SJ07a%c6WdxIE n# : + This information was provided by Mployer Advisor. The Cigna name, logo, and other Cigna marks are owned by Cigna Intellectual Property, Inc. LINA and NYLGICNY are not affiliates of Cigna. 0000027001 00000 n They are more than a company, they are a friend, and they make sure you are taken care of, they make sure your needs on the real estate side or the management side are taken care of and theyre always there to help you. Features available are based on the coverage you have with Cigna. From our first introductions through annual renewals, and every step in between, you can expect attentive, personal care and clear communication from your Bywater Team. Health coverage is provided subject to any deductibles, co-payment, or coinsurance provisions. %PDF-1.4 % With easy one-touch secure sign on, you can access your digital ID cards, manage your health information, update your profile, and more. Call 1 (800) 88CIGNA (882-4462). 0000011937 00000 n CareAlliesProvider Collaboration Solutions. endstream endobj startxref They are partner in total health and wellness and are there for customers 24/7 - caring for their body and mind. Life threatening cardio-pulmonary problems, (for example, severe obstructive sleep apnea, Pickwickian syndrome, obesity related cardiomyopathy). Some employers demand a higher level of customization and flexibility that aligns with the capabilities of a Third Party Administrator (TPA). 0000401390 00000 n 0000006718 00000 n 0000402434 00000 n They do not help you in any way. Together with the TPA, our goal is to educate members so they can make better, more informed health care decisions. 105 E Robinson Street show more Find the Cheapest Insurance Type 407.206.7300 If you have specific questions regarding your health insurance policy, please contact our office at310-825-7163, option 2. Lovelace Health System accepts most major insurance plans so you can access all of our hospitals, health care centers and providers. 6Cigna Dental Health of Florida, Inc. is a Prepaid Limited Health Services Organization licensed under Chapter 636, Florida Statutes. Plans are insured by Cigna Health and Life Insurance Company or its affiliates: For Arizona residents, health plans are offered by Cigna HealthCare of Arizona, Inc. For Georgia residents, health plans are offered by Cigna HealthCare of Georgia, Inc. For Illinois residents, health plans are offered by Cigna HealthCare of Illinois, Inc. For North Carolina residents, health plans are offered by Cigna HealthCare of North Carolina, Inc. For South Carolina residents, health plans are offered by Cigna HealthCare of South Carolina, Inc. For Texas residents, health plans are offered by Cigna HealthCare of Texas, Inc. For information about these plans, including Cigna company name and other information, visit https://www.cigna.com/individuals-families/shop-plans/health-insurance-plans, Connecticut General Life Insurance Company, NY - Cigna Life Insurance Company of New York (140 East 45th Street, New York, NY 10017 USA), All other states-Life Insurance Company of North America (1601 Chestnut Street, Two Liberty Place, Philadelphia, PA 19192 USA), NY - Cigna Life Insurance Company of New York (for insured plans), All other states-Life Insurance Company of North America, Administrative services for self-funded disability plans - Life Insurance Company of North America, NY - Cigna Life Insurance Company of New York, Cigna Health and Life Insurance Company, Loyal American Life Insurance Company, American Retirement Life Insurance Company, or Cigna National Health Insurance Company. 0000005623 00000 n 331 0 obj <>stream For 30 years, we have been lighting the way to better health by providing our customers an easier way to have products delivered directly to their door. We offer multiple networks and Pharmacy Benefit Managers (PBMs) to meet your unique needs. All insurance policies and group benefit plans may have exclusions, limitations, reduction of benefits and terms under which the policy may be continued in force or discontinued. trailer Once again, Bywater gives you the run around, connecting you to person to person. Bywater is a third-party administrator (TPA) of self-funded health insurance. 0000004618 00000 n Implementation & integration is seamless, as we bring 30 years of expertise & technology to your clients. Selected insurance that we accept are noted below. The language is easy to read and interpret, and coverage, exclusions, and financial obligations are clearly spelled out so everyone is on the same page. Tel-Drug, Inc. and Tel-Drug of Pennsylvania, L.L.C. To use the Claims Guest Access portal, go to kp.org/providers and select the members KP region. Helpful. startxref CT - Cigna HealthCare of Connecticut, Inc. IL - Cigna HealthCare of Illinois, Inc. and Cigna HealthCare of St. Louis, Inc. Bywater provides employee benefits and group health insurance to small to mid size employers in the Cleveland-Elyria, OH Metro Area. Selecting these links will take you away from Cigna.com to another website, which may be a non-Cigna website. 0000013170 00000 n Oct 4, 2016. The worst insurance my husband's company has ever had, my husband needs to get a CT scan done Monday and they denied it!! They do offer a decent 401k package but their health insurance is not the best. The fact I had to explain that to them was completely ridiculous. All insurance policies and group benefit plans contain exclusions and limitations. Bywaters mission is to deliver our customers the best experience possible. They are no help whatsoever. %%EOF . In Michigan and Minnesota, patient care services for worksite health and wellness centers are provided by HS Clinical Services, PC, an independently owned professional corporation. %PDF-1.6 % Individual and family medical and dental insurance plans are insured by Cigna Health and Life Insurance Company (CHLIC), Cigna HealthCare of Arizona, Inc., Cigna HealthCare of Illinois, Inc., Cigna HealthCare of Georgia, Inc., Cigna HealthCare of North Carolina, Inc., Cigna HealthCare of South Carolina, Inc., and Cigna HealthCare of Texas, Inc. Group health insurance and health benefit plans are insured or administered by CHLIC, Connecticut General Life Insurance Company (CGLIC), or their affiliates (see 0000027408 00000 n 0000025709 00000 n 24 hours a day, 365 days a year. Cigna Behavioral Health, Inc. and Cigna Behavioral Health of California, Inc. Group Accident, Accidental Death and Dismemberment, Accidental Injury, Hospital Indemnity, and Critical Illness Insurance, Cigna Supplemental Benefits - Life, Health and Accident Insurance, Canada group medical, dental, vision, and evacuation plans. We help employers manage their health plans with ease, ensuring your employees are using their benefits optimally. They do offer a decent 401k package but their health insurance is not the best. They state this is "normal" but I've never had this issue with any insurance company before this one. We are dedicated to providing the most effective . Cigna Health and Life Insurance Company (900 Cottage Grove Road, Bloomfield, CT 06002 USA) or Connecticut General Life Insurance Company (900 Cottage Grove Road, Bloomfield, CT 06002 USA) In California, Network plans are offered by Cigna HealthCare of California, Inc. Cigna Behavioral Health, Employee Assistance Program (EAP) 0000001296 00000 n As your collaborative and trusted partner, Cigna Payer Solutions helps to drive employee health, lower employer costs, and support and enhance the unique value you bring to your customers. Fortunately, many insurance companies recognize the serious health threats of obesity and do cover weight loss surgery as long as you meet the qualification requirements. . We offer turnkey online enrollment, billing, claims and call center operations to help you meet your benefit solutions strategies and needs so you can grow your business and attentively serve your membership. Serving Central Florida for over 45 years, our services include landlord/tenant representation, owner/seller representation, investor/buyer representation, property management, site selection, property valuation, and asset management. With over 30 years experience, the CWIBenefits Third Party Administrator (TPA) Platform is the trusted service and benefits technology platform of Employers, Health Plans, and Benefits Administrators. ", For Member/Provider Customer Service, please call. %%EOF For support, please emailsupport@choosebywater.comor call800.337.0792to contact customer service if you have any questions. The Bywater Company is a full-service commercial real estate firm specializing in brokerage, consulting, development, and property management in the office, medical, industrial, and land sectors. The University of California, Los Angeles (UCLA) is designated as: To schedule a consultation with UCLA Bariatric Surgery in Los Angeles, California, call us at 310-825-7163 or fill out ouronline form. K`|1/I?8u/*bo>$C 2.0. 0000393640 00000 n CIGNA ID cards will continue to show the Scranton, PA address for claims and correspondence submission until they are updated throughout 2011. CWIBenefits, LLC (CWI), is a technology based Third Party Administrator (TPA), offering total benefits administration services and data management. What a bunch of b.s. 0000027330 00000 n Many PPO insurance providers are now providing coverage for Gastric Sleeve, Gastric Bypass, Distal Bypass and Lap-Band Removal. 0000006225 00000 n Our office staff will happily verify your insurance benefit. Together, we provide a fully integrated and turnkey solution designed to maximize savings and promote long-term cost containment, backed by data insights and professional expertise. AZ - Cigna Dental Health Plan of Arizona, Inc. CA - Cigna Dental Health of California, Inc.1. Self-Funding Captive We support the spectrum of benefit administration needs ranging from employer plans, health plans, agency back office, HRIS and other third party solution administration needs. Details, Group Health Maintenance Organization (HMO), including HMO Open Access (OA), Point-of-Service POS), and OA POS medical plans, All other group medical plans, and pharmacy and vision plans, Cigna Behavioral Health, Employee Assistance Program (EAP). 3In Florida, lock-in medical products (including Exclusive Provider Organization, Open Access Plus-IN, Network and Network Open Access plans) are only available for sale to customers sitused in the following counties: Alachua, Baker, Bradford, Brevard, Broward, Charlotte, Citrus, Clay, Collier, Columbia, Dade, Duval, Flagler, Hendry, Hernando, Hillsborough, Indian River, Lake, Lee, Manatee, Marion, Martin, Nassau, Okeechobee, Orange, Osceola, Palm Beach, Pasco, Pinellas, Polk, Putnam, Sarasota, Seminole, St. Johns, St. Lucie, Sumter, Union, and Volusia. Read more on your rights and protections against surprise medical bills here. 0000027651 00000 n Under the Families First Coronavirus Response Act (FFCRA) and the CARES Act, individuals enrolled in a private health plan who purchase an over-the-counter COVID-19 test may be reimbursed by the health plan/insurer. It has been great working with you and I look forward to doing more of these. 0000001617 00000 n Please Contact us at 310-825-7163. For additional plan disclosures that may be applicable to your plan or state, please view our Product Disclosures. 15422 Detroit Avenue, Lakewood, Ohio 44107 P . As the trusted service and benefits technology platform of Employers, Health Plans, and Benefits Administrators, CWI has evolved to be a TPA, data integrator, and Software-as-a-Service vendor. Cigna. For questions, please call 505.727.2727. Orlando, FL 32801 as usual! xref 0000397752 00000 n Bywater has partnered with EHCS to provide your diabetes supplies. When you get emergency care or get treated by an out-of-network provider at and in-network hospital or ambulatory surgical center, you are protected from surprise billing or balance billing. Our team of experts is laser-focused on your success. 0000009397 00000 n Current and former employees report that ByWater Solutions provides the following benefits. 0000005821 00000 n The list is very long, but not limited to: For a complete list of both covered and not covered services under your plan or policy, including benefits required by your state, see your insurance policy, evidence of coverage, or your employers insurance certificate or summary plan description. Participation in a weight loss program. 0000014090 00000 n Suite 200 Bywater has partnered with EHCS to provide your diabetes supplies. I could go on but I will suffice it to say to not use this company. No vision or dental offered. 94 0 obj <> endobj ", "You guys are all AWESOME. 0000026709 00000 n The individual must have actively participated in the program for at least 3-6 months; Pre-operative nutritional counseling with a Registered Dietitian; United Health Care (UHC) Optum Center of Excellence Network (COE), Blue Cross Blue Shield Bariatric Resource Service (BRS). Accidental Injury, Critical Illness, and Hospital Care plans or insurance policies are distributed exclusively by or through operating subsidiaries of Cigna Corporation, are administered by Cigna Health and Life Insurance Company, and are insured by either (i) Cigna Health and Life Insurance Company (Bloomfield, CT); (ii) Life Insurance Company of North America (LINA) (Philadelphia, PA); or (iii) New York Life Group Insurance Company of NY (NYLGICNY) (New York, NY), formerly known as Cigna Life Insurance Company of New York. Glassdoor is your resource for information about ByWater Solutions benefits and perks. Inpatient care 100% in-network preventive care coverage Cigna offers quality plan options, personalized support, and low costs. Selecting these links will take you away from Cigna.com to another website, which may be a non-Cigna website. What is up with that? Former Employee. Edwards Health Care Services, Inc. (EHCS) is your first-choice provider of direct-to-home, high quality diabetes supplies. 0000010625 00000 n "I havent had a chance to tell you thank you for all your efforts. Aetna, Anthem Blue Cross Blue Shield, Cigna, Oscar, Tricare and United Health Care typically cover weight loss procedures. 0000018052 00000 n Partner with Cigna Payer Solutions, and you'll have access to a broad portfolio of products and services, quality health care networks, and personalized account supportbacked by a global brand with more than 90 years of health service experience. Bywater's mission is to fully integrate with advisors and captive managers of choice while delivering the high . Benefits are generous and internet and phone are paid. More than just a health insurance company, Cigna is a global health service company--dedicated to helping the . To learn more, call 310-825-7163. We have referred them to other property owners and will continue to do so. 0000028053 00000 n 0000025585 00000 n Theyre on your side when it comes to questions on claims, renewals, vendor implementation, and more. Evernorth Care Group is the group medical practice division of Cigna HealthCare of Arizona, Inc. to be added in. Individual and family medical and dental insurance plans are insured by Cigna Health and Life Insurance Company (CHLIC), Cigna HealthCare of Arizona, Inc., Cigna HealthCare of Illinois, Inc., Cigna HealthCare of Georgia, Inc., Cigna HealthCare of North Carolina, Inc., Cigna HealthCare of South Carolina, Inc., and Cigna HealthCare of Texas, Inc. Group health insurance and health benefit plans are insured or administered by CHLIC, Connecticut General Life Insurance Company (CGLIC), or their affiliates (see Here are the plans Lovelace Medical Group accepts. This website is not intended for residents of New Mexico. As part of the Roundstone Insurance family, Bywater grew out of the need to offer self-insured employers participating in Roundstones group medical captive health insurance plan a better alternative for plan administration. Dental Claims. Hiring The Bywater Company has turned out to be a super investment, as well as a pain-free, no headaches to me type of situation and relationship. Bywater is an international management firm providing Strategic Services; such as performance improvement, strategic planning & implementation, and cost containment, and Corporate Growth Services; such as acquisitions and divestitures, merger integration and new product development. endstream endobj 279 0 obj <>/Metadata 20 0 R/Pages 276 0 R/StructTreeRoot 43 0 R/Type/Catalog/ViewerPreferences<>>> endobj 280 0 obj <>/Font<>/ProcSet[/PDF/Text/ImageC]/XObject<>>>/Rotate 0/StructParents 0/TrimBox[0.0 0.0 612.0 792.0]/Type/Page>> endobj 281 0 obj <>stream In New Jersey, patient care services for worksite health and wellness centers are provided by Alegis Care, New Jersey, P.C. Start getting your eligible supplies today by enrolling below. Our network solutions help TPAs deliver what companies and employees need most in health care: quality and lower costs. To request precertification, use the contact information below or visit the website for next steps. hbbd```b`` A$+-"VHr0;L Bywater provides employee benefits and group health insurance to small to mid size employers in the Cleveland-Elyria, OH Metro Area. Cigna/GreatWest: 1-800-244-6224: www.cigna.com: Clear Spring Healthcare: 1-877-364-4566: www . Rates may vary and are subject to change. The Bywater Company is a full-service commercial real estate firm specializing in brokerage, consulting, development, and property management in the office, medical, industrial, and land sectors. Serving Central Florida for over 45 years, our services include landlord/tenant representation, owner/seller . 0000011464 00000 n Joe Doremus, All American Boulevard Warehouses. They then left my ultrasound copay instead. 0000007280 00000 n For general inquiries, please complete the form here to learn more. Still have questions? Accidental Injury, Critical Illness, and Hospital Care plans or insurance policies are distributed exclusively by or through operating subsidiaries of Cigna Corporation, are administered by Cigna Health and Life Insurance Company, and are insured by either (i) Cigna Health and Life Insurance Company (Bloomfield, CT); (ii) Life Insurance Company of North America (LINA) (Philadelphia, PA); or (iii) New York Life Group Insurance Company of NY (NYLGICNY) (New York, NY), formerly known as Cigna Life Insurance Company of New York. Bywater has been a nightmare to deal with. 5Cigna Dental Health, Inc. provides network management and other administrative services for Cigna Dental plans. Expect a dedicated point of contact for customer service, who streamlines communication and provides you and your members with personal, knowledgeable support. IL - Cigna Dental Health of Kentucky, Inc. KY - Cigna Dental Health of Kentucky, Inc. MD - Cigna Dental Health of Maryland, Inc. MO - Cigna Dental Health of Missouri, Inc. NC - Cigna Dental Health of North Carolina, Inc. NJ - Cigna Dental Health of New Jersey, Inc. PA - Cigna Dental Health of Pennsylvania, Inc. VA - Cigna Dental Health of Virginia, Inc. CWIBenefits, LLC (CWI), is a Full Service Benefits Administrator, founded 30 years ago as a claims payment software vendor. In California, Network plans are offered by Cigna HealthCare of California, Inc. Cigna Behavioral Health, Inc. and Cigna Behavioral Health of California, Inc.1. 2The Cigna HealthCare of Florida, Inc. service area is comprised of the following counties: Brevard, Broward, Clay, Dade, Duval, Hillsborough, Lake (only zip codes 34711, 34714, 34715, 34755), Nassau, Orange, Osceola, Palm Beach, as, Polk, Seminole and Volusia (only zips 32713, 32725, 32738). that insure or administer group HMO, dental HMO, and other products or services in your state). They made me go through an entire appeal process to let them know I was not IN the hospital but referred there by my PCP simply to get an X-ray. Bywater's mission is to deliver our customers the best experience possible. We believe that they are an excellent company. As strategic relationship managers, we work together collaboratively to achieve our mutual objective quality, affordable care. Your third-party administrator (TPA) services should work seamlessly with all of your health insurance partners.