Your Healthcare Navigator

Bywater is a third-party administrator (TPA) of self-funded health insurance. We help employers manage their health plans with ease, ensuring your employees are using their benefits optimally.

Our team always puts the customer first. We help increase your productivity and efficiency by providing friendly, expert, and data-driven administrative services to your employee health benefits plan.

We Make Navigating Your Plan Easy!

1.) Login to Your Portal

2.) Know Your Options

3.) Manage Your Health Benefit Plan

Employer or Provider? Access your portal here.

About Us

Bywater’s mission is to deliver our customers the best experience possible. 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.

As part of the Roundstone Insurance family, Bywater grew out of the need to offer self-insured employers participating in Roundstone’s group medical captive health insurance plan a better alternative for plan administration. 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.

We’re committed to helping you manage your health plan efficiently, with best-in-class service no matter your group size. 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.

Why Bywater

Switching to a self-funded plan is easier when you have a trusted partner to help guide you. Our team of experts is laser-focused on your success. As strategic relationship managers, we work together collaboratively to achieve our mutual objective — quality, affordable care.

Total Transparency

See monthly claims data trends and take steps to reduce costs and optimize plan utilization as necessary.

Dedicated Customer Service Team

Expect a dedicated point of contact for customer service, who streamlines communication and provides you and your members with personal, knowledgeable support. They’re on your side when it comes to questions on claims, renewals, vendor implementation, and more.

Simplified Plan Document

Get employees on board faster with Bywater’s plan document, created with the employer and employees’ needs in mind. 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.


You can be ready to go in as little as 30 days from your initial implementation call!

Flexible Programs

We offer multiple networks and Pharmacy Benefit Managers (PBMs) to meet your unique needs. And you'll have the freedom to include cost-saving and wellness measures that save you money — in many cases without waiting for your renewal period to implement new programs.

What Advisors And Employers Are Saying About Bywater

The Bywater Promise

Accurate/ Timely Funding Requests

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

Our Commitment to No Surprises Act

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.

Read more on your rights and protections against surprise medical bills here.

COVID-19 Tests Reimbursement

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.

Read more here.

Contact Us

For support, please email or call 800.337.0792 to contact customer service if you have any questions.