Women immersing in a mikva, when they recite the bracha have to place their hands over their middle to separate their upper part from the bottom. But how can they then recite with the name of Hashem a bracha, if with their hands they are touching at that same time the naked parts of their body?

Before they use their forearms to separate their body sections, they should immerse their hands in the mikva water and then not touch their bodies with their hands until they finish reciting the blessing.