Frequently Asked Questions ( FAQ )

General Information

What is Occupational Accident Insurance and What Benefits are Provided under the Policy? 

Occupational Accident Insurance is specifically for Independent Contractors, Owner-Operators and Small Fleet Owners whom are injured while contracted.  Occupational accident insurance is a private accidental health and disability policy which typically provides medical, disability and death benefits.  Check your specific policy for benefit details.

Blue Star Claims does not handle property damage, physical damage to your vehicle or another person’s vehicle or injuries to other people.

Blue Star Claims administers benefits under Occupational Accident Insurance which is an accident health and disability policy, not workers’ compensation, not Auto, not BI, not Med Pay, not PIP, not No-Fault, not UIM/UM and not General Liability

Blue Star Claims will handle so long as you are an Independent Contractors whom is contracted with a company Blue Star Claims is a Third Party Administrator for.  

Blue Star Claims does not handle property damage, physical damage to your vehicle or another person’s vehicle or injuries to other people.

Blue Star Claims administers benefits under Occupational Accident Insurance which is an accident health and disability policy, not workers’ compensation, not Auto, not BI, not Med Pay, not PIP, not No-Fault, not UIM/UM and not General Liability

No.  Blue Star Claims only administers polices for Independent Contractors whom are contracted with a company Blue Star Claims is a Third Party Administrator for.

No.   We only administer polices for the Independent Contractors with whom we are the Third Party Administrator for.  

3 options:

  1. Website: Click “File a New Claim” button on our page. This will allow you to fill out the necessary HIPAA compliant forms to start your claim
  2. Phone: If you prefer to speak with a live person to assist the process, you may call our mainline: 480-579-2501 – option “9”.  Please note, you will still need to submit our on-line claim forms.
  3. Email: Send email to: intake@bluestarclaims.com with as much information as possible about your accident and injuries  Please note, you will still need to submit our on-line claim forms.

Occupational Accident insurance covers Independent Contractors who are physically injured while contracting.

Occupational Accident Insurance

Covers medical expenses, disability coverage, and accidental death benefits. It’s designed for independent contractors, freelancers, and self-employed people who aren’t covered by workers’ compensation. 

Workers’ Compensation

Covers lost wages, medical costs, disability, rehabilitation, and job retraining. It’s designed for employees of a company and is usually required by state law.

Once you file a new claim, please allow 1-3 business days for coverage to be verified/cleared. Blue Star’s Intake Department will confirm you have an applicable policy and contracted at the time of the accident.

Once coverage is verified, you will receive an email with your adjustor’s contact info and your Claim Number. The adjuster will contact you within 1-2 business days.   They will then gather all of the importation information/documentation and explain your benefits.

Typically, if there is a delay, Blue Star is awaiting the necessary documentation to confirm coverage from the Contract Company and/or directly from the Independent Contractor.  You can always reach out to intake@bluestarclaims.com to confirm status. 

Coverage Details

Your policy might be primary or secondary to other health insurance. Please refer to your policy.  If you have an accepted claim with Blue Star, your adjuster can discuss your affordable benefits with you. 

Yes, if you qualify and meet the criteria set forth in your policy.   Please refer to your policy.  If you have an accepted claim with Blue Star, your adjuster can discuss your affordable benefits with you. 

Blue Star Claims does not handle property damage, physical damage to your vehicle or another person’s vehicle or injuries to other people.

Blue Star Claims administers benefits under Occupational Accident Insurance which is an accident health and disability policy, not workers’ compensation, not Auto, not BI, not Med Pay, not PIP, not No-Fault, not UIM/UM and not General Liability

Claims Process

If you are filing a claim with Blue Star Claims, you will need to submit Claim Forms (i.e. “proof of loss”).  You will also need to submit necessary documentation to your adjuster including but not limited to:   medical Records, medical bills/receipts, photos, police reports, earned income and any other documentation your adjuster may need.  Please refer to the Cooperation Clause in your policy.

Once you file a new claim, please allow 1-3 business days for coverage to be verified/cleared. Blue Star Claims Intake Department will confirm you have a applicable policy and contracted at the time of the accident.

Once coverage is verified, you will receive an email with your adjustor’s contact info and your Claim Number. The adjuster will contact you within 1-2 business days.   They will then gather all of the importation information/documentation and explain your benefits.

You are free to treat with a provider of your choosing and Blue Star Claims will not direct your care. Your policy does not have “in-network” providers and does not require pre-authorizations.  However, if a provider requires authorization to treat, feel free to direct them to Blue Star Claims (Adjuster or serviceteam@bluestarclaims.com). Please be aware your policy may be primary or secondary.    

If you need immediate medical care, please seek treatment.  Blue Star Claims does not direct care and you are free to seek treatment with a provider of your choice.  Until coverage is verified, you may need to pay out of pocket or ask the provider to bill you directly.  Once coverage has been cleared, you can provide your receipts and/or bills for review and payment/reimbursement.  PLEASE NOTE: Blue Star Claims cannot GUARANTEE they will reimburse before coverage is verified. Payment will depend on coverage, provided treatment and the nature of the incident. (Verifying coverage takes approximately 1-2 business days after the claim is received depending on how quickly coverage documents are provided). Please be aware your policy may be primary or secondary.    

You may qualify for disability benefits if your doctor determines you are temporarily and totally disabled and you fulfill the waiting period set forth in your policy if applicable.   

You will need to provide medical documentation and proof that you are under active and appropriate care to qualify.  Please discuss with your adjuster and refer to your policy.

Support and Assistance

Contact your adjuster.  If you are unsure whom your adjuster is you can contact  serviceteam@bluestarclaims.com

Yes.  We have Intake Coordinators answering calls 24/7 at: (480) 579-2501 – option “9”. 

Partner FAQs

Blue Star specializes in Occupational Accident claims administration for transportation, rideshare, gig economy, and independent contractor programs. Our experience includes high-volume national programs involving complex claim exposures, disability management, contingent liability concerns, and multi-state operational oversight.

We understand the unique dynamics associated with independent contractor environments and have built specialized workflows, reporting, and operational strategies specifically tailored to these programs rather than applying a one-size-fits-all TPA approach.

Yes. Blue Star administers claims throughout the United States and has operational workflows specifically designed to support multi-state and nationwide programs.

Our team understands jurisdictional differences, transportation-related exposures, and the importance of scalable operational support for national programs. We maintain consistent handling standards while adapting workflows to the needs of each client and program structure.

Blue Star is not a generalist TPA attempting to handle every line of business. We are highly focused on Occupational Accident and transportation-related claims administration, allowing us to develop deeper operational expertise, specialized workflows, and meaningful analytics specific to this niche market.

Our approach combines HUMAN hands-on claims management with technology-driven operational oversight, proactive investigations, customized reporting, automation capabilities, and scalable processes designed to support high-volume environments without sacrificing quality or responsiveness.  While we use technology to our advantage, we will never replace human claims handling with robots.    

Blue Star leverages modern claims technology, workflow automation, and integration capabilities to support efficient and scalable claims administration. Our systems support automated workflows, electronic communications, customized reporting, data imports/exports, and API integration capabilities depending on client and carrier needs.

We work collaboratively with carriers, brokers, and technology partners to streamline onboarding, data sharing, reporting, and operational processes while improving visibility and reducing manual inefficiencies wherever possible.

Our operational structure is specifically designed to support high-volume transportation and gig economy programs while maintaining service quality and responsiveness.

Through specialized claim units, structured workflows, automation tools, operational dashboards, and real-time management oversight, Blue Star is able to efficiently scale operations while maintaining meaningful claimant communication, timely investigations, and proactive file management.

Blue Star provides customized reporting and actionable analytics designed to give clients meaningful operational and financial insight into their programs.

Our reporting capabilities can include:

  • Claim frequency and severity trends 
  • Closure ratios and lifecycle analytics 
  • Litigation and attorney involvement trends 
  • Provider and treatment pattern monitoring 
  • TTD and indemnity tracking 
  • Operational KPI dashboards 
  • Reserve and financial trend analysis 
  • Custom client-specific reporting requests 

Our goal is not simply to provide data, but to provide meaningful insights that help clients identify trends, improve operational performance, and make informed business decisions.

Blue Star takes a proactive and investigative approach to questionable claims, provider abuse trends, and emerging fraud indicators.

Our teams utilize detailed investigations, data analysis, provider trend monitoring, medical utilization oversight, and collaboration with carriers, defense counsel, SIU partners, and vendors when appropriate. We believe early identification and proactive handling are critical to protecting program integrity and reducing unnecessary exposure.

Blue Star actively coordinates with experienced medical management, bill review, nurse case management, and ancillary vendors to ensure claims are progressing appropriately and efficiently.

Our oversight process focuses on treatment progression, medical necessity, provider utilization patterns, service quality, communication responsiveness, and overall claim outcomes. We view vendors as an extension of the claims process and maintain active involvement to ensure accountability and consistency.

Yes. Blue Star works closely with clients, carriers, brokers, and program partners to develop workflows and operational processes tailored to the specific needs of each program.

This may include customized communication protocols, escalation procedures, reporting structures, intake workflows, automation triggers, integration support, and KPI development. We understand that each program operates differently and believe flexibility is critical to long-term operational success.

Blue Star takes a collaborative and structured approach to onboarding new programs and partnerships.

Our implementation process may include:

  • Workflow development and process mapping 
  • Data transfer and integration coordination 
  • API and reporting discussions 
  • Vendor alignment and onboarding 
  • Communication planning 
  • Customized reporting development 
  • Training and operational readiness reviews 

Our goal is to create a seamless transition process while ensuring operational expectations, service standards, and reporting requirements are clearly established from day one.

Blue Star believes that strong claim outcomes begin with engaged, supported, and motivated team members. We prioritize communication, collaboration, accountability, and professional development throughout our organization, including among our remote and independent contractor workforce.

We work intentionally to create an environment where individuals feel valued, connected, and supported through consistent leadership engagement, training opportunities, operational transparency, recognition initiatives, and team-focused culture. We believe investing in people ultimately translates into stronger service, better communication, and improved outcomes for our clients and partners.