At BearStar, we meet directly with carriers and underwrite accounts in-house for quicker turnaround times on quotes – and in many cases, we can bind coverage on the same day. Our goal is to deliver the correct benefits quickly, efficiently, and at a fair price. Here’s what our comprehensive approach looks like:
Preferred Provider Organization
A far-reaching network of industrial clinics, physician specialists, and hospitals committed to excellent treatment and cost management.
Utilization Management
Under the supervision of vetted doctors, our nurses review treatment plans and verify the necessity of hospital admissions and lengths of stay.
Early Return-to-Work Programs
Early return-to-work plays a huge role in cost savings. Bringing employees back into the office as soon as medically capable can sidestep disability and retraining costs.
Bill Review
Our experts evaluate every bill for pricing, appropriateness of the treatment, and the billing overlap. This can save millions of dollars per year in unnecessary charges.
Loss Control Services
Our loss control programs can serve to cut back on injury costs. We also offer posters, videos, and brochures to reinforce your safety programs and meet legal requirements.
Fraud Control
The claims specialists at BearStar are trained to identify red flags and respond in a timely manner to indicate that a claim requires further investigation.
Classification Review
Our experts will review your individual classifications and operations to ensure that payroll, sales, and other variables are classified, so that you’re charged the right premium.
Premium Audit Service
BearStar auditors can help you understand premium classifications and forecast future premium costs, while making sure your premium is correctly calculated.
Claims Specialist
We host a team of claim representatives specifically for Workers’ Compensation claims who review medical expenses, initiate early return-to-work programs, and manage legal costs.
Same-Day Three-Point Contact
Once your claim is received, our representatives will work to achieve same-day contact with the employee, employer, and medical provider to ensure benefits begin as soon as possible.
BearStar Insurance:
The Best Pricing Across 400 Carriers











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