National Underwriting Services Inc.

National Underwriting Services, Inc., (NUS) is a Managing General Underwriter providing stop loss solutions for self-funded employers. Founded in 1985, NUS is located in the beautiful Texas Hill Country near San Antonio, Texas.

We resolve to build working relationships with our customers based upon a commitment to excellence, integrity, and trust. This same commitment applies to our carrier partners, Transamerica Life Insurance Company and Western Reserve Life Assurance Company, (rated A+ superior by A.M. Best; both AEGON companies). Using a controlled distribution model, we take pride in delivering personalized and efficient service to a limited number of TPA and select producers across the USA.

NUS introduced the underwriting capabilities and components needed for plans utilizing Medicare referenced pricing in 2010 to several TPA’s that participated in the initial studies to develop the process. Based on Medicare Plus pricing, no provider or network contracts are needed, thus eliminating the quagmire of PPO problems and ineffective discounts. NUS formed strategic alliances to serve our TPA clients in successfully implementing this approach with Chart Tech to handle re-pricing of claims, specialized services for participant advocacy, and medical management services, and a customized Plan Document for No-PPO plans written and supported by the Phia Group (see below). Pricing is very competitive and claims savings reported to date through 2012 on in force plans are very substantial. Provider acceptance has been favorable with few “balance billing issues” in areas where TPAs have conducted provider outreach. For detailed information contact Dana Driscoll, National Marketing Director at or direct number: 210-695-2381.

The Phia Group ( provides Plan Document services to NUS for the “No-PPO” Plans (noted above), and has agreed to provide services to our clients in traditional stop loss arrangements as well. The Phia Group has become one of the most innovative and fastest growing cost containment firms in the nation, with their mission to reduce the cost of plans through subrogation and other recovery strategies, innovative technologies, legal expertise, and focused, flexible customer service.

NUS has experienced ongoing success with the Noble Guardian ( program for comprehensive bill review services and strategies for self-funded employer groups to control large claims costs. Average bill review savings are 40-50% or more off of billed charges. There is no fixed cost for the program to the employer and a discount off specific rates is given for full implementation of the program to include appropriate plan document provisions. Noble Guardian provides complete support to the Client for pushback or appeals.

In addition to support for stop loss medical underwriting expertise for NUS, CPR Risk Services now provides a full range of medical management services for Third Party Administrators including utilization review, case management, disease specific medical management, patient and provider advocacy, and medical management of proprietary programs for TPAs with plans utilizing Medicare referenced pricing.


Dana Driscoll, FLMI
National Marketing Director
Direct: 210-695-2381


Tom Gage
Executive Vice President
Direct: 402-614-9330