RFP - Voluntary Dental Insurance

Hamilton County, Tennessee is soliciting sealed proposals from insurance carriers only for voluntary dental insurance for its employees. The County is looking for a carrier to provide comprehensive and thorough responses to all requests included in this RFP. The successful proposer will be required to enter into a contract with Hamilton County to satisfy the requirements of this RFP. The contract term will be for three years, effective January 1, 2026, with the option to renew for three additional one-year terms. The County has approximately 1,952 employees who are eligible to participate in the County's Employee Benefits plan. Key requirements include: providing a voluntary dental insurance plan with high and low options, orthodontics, and HMO plan; meeting mandatory requirements such as having at least five years of experience in the business, experience in providing insurance coverage for government entities, and sufficient licenses and certifications; and providing a detailed proposal response, including an executive summary, product and service proposal, and financial proposal. • Key features of the product include: • High Option Indemnity Plan with Orthodontics: $25.00 / $50.00 deductible, 100% diagnostic and preventive, 100% basic services, 50% major services, and 50% orthodontics up to $1,000 • Low Option Indemnity Plan without Orthodontics: $50.00 / $100.00 deductible, 100% diagnostic and preventive, 80% basic services, 50% major services • HMO Plan: $0.00 / $0.00 deductible, reference copay schedule for diagnostic and preventive, basic services, and major services, 25% discount for orthodontics • Compensation confirmation for voluntary dental plan: 12% • Implementation process and enrollment support • Billing and administration process • Customer service and support • Claims support