SLED Opportunity · FLORIDA · COUNTY OF OKALOOSA
AI Summary
Okaloosa County seeks qualified firms to provide ancillary benefits including dental, life, and disability insurance coverage. The RFP requires detailed plan designs, compliance, and cost proposals. Proposals will be evaluated on qualifications, technical approach, plan design, network, and cost.
The Okaloosa County Board of County Commissioners is requesting competitive proposals from carriers licensed to conduct business in the State of Florida. Enrollment includes the Board of County Commissioners, Clerk of Court, Tax Collector, Property Appraiser, and Supervisor of Elections.
Okaloosa County has been enrolled with MetLife for Dental Coverage since October 1, 2022. The current plan is a fully insured Dental PPO plan. Before that, the County was with Solstice. Okaloosa County has been enrolled with Ochs for Life and Disability Coverage since October 1, 2019. Before that, the County was with The Standard. The most recent year of paid-claim reports (for dental), enrollment, and complete census are attached (see Attachment Section). The rate history and employer contributions are listed below. The plan year is October 1 through September 30. The deductible is calendar year. Current rates are two (2) tiered.
Respondents should give detailed descriptions of proposed plan designs, ACA compliance practices, HIPAA compliance practices, case management programs, disease management programs, pharmacy management programs, organ transplant services and coverage, wellness program including incentives, cost containment programs, customer service hours of operation, online customer service options and funding options including share of profit features. Carriers are required to have an AM Best rating of A or better.
Proposers will be required to work closely with Gehring Group and Risk Management to provide renewal pricing projections during the budget process beginning in April of each year. Proposers will be required to deliver the renewal as requested to meet Board approval and enrollment deadlines.
Addendum 1 is being issued to upload data required to submit a proposal on the project.
Please use the See What Changed link to view all the changes made by this addendum. The County will be extending the due date until Aprl 24, 2026 at 3:00 PM. The County will also allow local Okaloosa County Cities to piggyback on the awarded contract.
Addendum 3 is to provide updated excel sheets for vendors to complete their proposal.
Please Upload your COMPLETE response, including any and all required forms listed in the solicitation and the corresponding attachments.
(Do not upload cost information in here)
Please add cost section
Will there be an evaluation committee to review the proposals and score them based on weights and multiple criteria?
Select the information you would like display.
Q (Census and Dental Paid Claims): Please confirm the location of the census and dental claims report referenced on page 3 of the RFP document. We're not able to locate either document in the attachments section.
A: See uploaded documents.
Q (RFP Data): Please provide the most recent year of paid-claim reports (for dental), enrollment, and complete census for all applicable lines of ancillary coverage as noted in published RFP Document "RFP_RM_37-26_Final_3.24.26".
A: See uploaded documents.
Q (Census, Claims Information, full plan designs): Please provide a complete census file, claims utilization reports and the Summary Plan Designs/Certificates
A: See uploaded documents.
Q (RFP Documents): Hello, in order to internally process a new opportunity, we would need the following items. Could you please provide? 1) Zip census of all eligible employees that includes enrollment by plan, in excel 2) All plan documents including summaries and cert’s 3) Any and all claims data 4) Questionnaire or forms necessary for vendors to complete
A: See uploaded documents.
Q (Attachments): While reviewing the RFP, it states that: The most recent year of paid-claim reports (for dental), enrollment, and complete census are attached (see Attachment Section). The rate history and employer contributions are listed below. The plan year is October 1 through September 30. The deductible is calendar year. Current rates are two (2) tiered. But there is nothing there except the RFP. Please advise.
A: See uploaded documents.
Q (Additional Information - Census elements): Please provide an updated census that includes employee Date of Birth and Date of Hire.
A: See uploaded documents
Q (Dental Claims and disruption analysis): Please provide 2-3 years of monthly dental claims experience Please provide a dental provider report for disruption analysis
A: See uploaded documents.
Q (Due Date): Would it be possible to extend the due date to April 24th?
A: Yes, we will extend until April 24th.
Q (Broker): Is there a Broker of Record?
A: The Gehring Group, see attached authorization letter.
Q (Dental Certificate): Please provide a Dental Certificate that shows full procedure placement and frequencies.
A: See uploaded documents.
Q (OON Reimbursement): Please confirm the Out of Network Reimbursement of UCR, it indicates 99th% of UCR which is unusual, is it 90th%
A: See uploaded documents.
Q (Renewal Rates): We will need the renewal rates from MET in order to provide you with most accurate and competitive proposal as soon as possible.
A: See uploaded documents.
Q (MIssing Documents): Please provide a dental claims utilization report covering at least the most recent 24 months, along with the referenced disruption file. Additionally, would it be possible to grant an extension through April 24? This additional time would allow our team to conduct a thorough and comprehensive RFP review.
A: See uploaded documents.
Q (Provider File): The RFP references a Provider Utilization file to run a disruption. Could you please provide?
A: See uploaded documents.
Q (MetLife questions): Life Questions 1. Can you provide Full Cert 2. VOL Life tiers 65-69 and 70-74 go down from the 60-64 tier rate, should we match the current rate sloping or propose our own? 3. Can we receive an updated census file with DOB instead of ages? 4. Please provide a waiver of premium report with the open claim(s) 5. Provide rate history on all lines back to 2020 Disability Questions • For the requested VSTD proposed plan, what benefit % and maximum is being sought for the quote? • Please provide the full LTD certificate. We only received a benefit summary. A full certificate will allow us to better match current contract provisions that may not be outlined in a summary. • Please confirm - is the current LTD coverage fully insured? It is not industry standard to see a fully insured LTD contract priced with a PEPM fee. Our standard is to bill based on the monthly covered payroll. • We provide our rates based on a monthly covered payroll structure. Please be advised that this is the standard way of billing. If there will be an issue with this, please advise as this may require us to have to escalate and/or decline to quote if not acceptable. • Same with STD - rates are provided on a per $10 weekly covered benefit basis. Please confirm this is acceptable. We only allow PEPM rates/fees on a self funded (ASO) basis. • Please provide a copy of a recent bill for the LTD. • We did not receive any experience for the LTD. The files labeled as "Life-LTD" claims do not contain long term disability information. Please provide 3-5 years of LTD experience in the form of a premium vs incurred claims (P&I) exhibit. Please note we need to see LTD claim dollars on an incurred, and not paid, basis. The reporting should also include average lives by year, block reserve amounts. • Along with a P&I exhibit for the LTD, please also provide an LTD open/closed claim listing for the last 3-5 years. For any open LTD claims, please include the following: o Claimant gender o Date of disability o Claimant DOB and/or age o Monthly net benefit amount o Monthly gross benefit amount o Individual claim reserve amount Dental: - Can the incumbent submit a certificate with renewal details for submission? - Is the County open to plan design recommendations? Grant Funded Clauses - it is our understanding that no federal funds will be expended in this RFP. Can the County advise/confirm? Should any credits/fees be included in our quote? And confirming details of benefit administration and confirming no changes
A: 1. See uploaded documents. 2. Quote your own. 3. See uploaded documents. 4. Available data is to 2021, and there will be no rate change from 2021-2025. 6. Match the percentage and salary equivalent for the LTD coverage. 7. See uploaded documents. 8. Yes this is fully insured if you can quote as PEPM, please do so. However, standard fee structures will NOT be penalized/disqualified. 9. See above 10. See above. 11. A request will be made for a recent bill, in the meantime, the census provides the amounts billed for that month. 12. See uploaded documents. 13. See uploaded documents. 14. Yes, with the understanding that incumbent is still acting as a bid respondent. 15. Yes, but initial comparisons will be made based on current plan designs. Plan change recommendations will be entertained during finalist presentations (if necessary) or following award. 16. We will not be using any grant funds for this procurement.
Q (Additional question): “Are you willing to waive the ink and notary requirement on forms ‘Response Document 11 – Sworn Statement Under Section 287.133 (3) (a), Florida Statutes, On Public Entity Crimes’ and ‘Response Document 15 – Anti-Human Trafficking Affidavit’ in the proposal phase and have it inked and notarized upon award?”
A: The notary requirement is required form and must be submitted with the final package.
Q (No subject): 54 Retirees listed do not have Basic Life amounts. Do they have Basic Life coverage?
A: All retires listed have $10K.
Q (No subject): Only Summaries provided - please provide most updated certs/policy to accurately match benefit provisions
A: See uploaded documents.
Q (Life Experience question): “Life years” for the experience provided from 1/2020 thru 12-2025? Claim Run broken out by type (BL, Supplemental Life, Spouse Life, Child Life, ADD) Life Open Waiver of Premium Reserves by year, face amount preferred (if applicable) - 1 is noted on experience provided
A: See uploaded documents.
Q (LTD Experience): Please provide past 5 years of LTD Experience, data to include the following: o Paid premium o Paid Claims by year of incurral o Open Reserves o Total Claim Count by year of incurral, open and closed claims broken out o Lives history o Individual Open/Closed Claim listing
A: See uploaded documents.
Q (No subject): Would it be possible to extend the due date to 4/27/2026 since the release date was 3/27/2026?
A: No, we will extend to April 24, 2026 at 3:00 P.M.
Q (UCR or MAC): The RFP notes that the current OON reimbursement is 99th UCR. The schedule of benefits states that the Reimbursement for out-of-network services is based on the lesser of the dentist’s actual fee or the Maximum Allowable Charge (MAC). Please clarify if this is a UCR plan or a MAC plan.
A: The summary appears to have a typographical error by MetLife, please see the attached certificate.
Q (Dental Renewal): If available, please provide 2026-2027 dental renewal from Metlife.
A: MetLife is responding to the RFP as well.
Q (LTD Experience): Please provide LTD experience
A: See uploaded documents.
Q (LTD Rates): The RFP lists the LTD rates as per EE but without a bill to determine what Ochs is using as current volume we can’t be sure of the current rate per $100. Can you confirm?
A: Ochs' rates does not change monthly, but the provided census is for March 1, 2026 and has the rates and salaries listed for covered employees
Q (LTD Claims): LTD claims listing that includes DOB, age at time of disability, cert amount and paid amount, date of disability.
A: See uploaded documents.
Q (Dental Experience): 24 months of dental experience. The formal RFP notes that this was sent however when logging into opengov.com, there are 7 other vendors requesting the dental experience. The County has responded that it has been uploaded, however, it has not been. Only the life and LTD claims have been provided. If you could please note in your response that only the life and LTD claims were attached, not dental.
A: See uploaded documents.
Q (Enrollment): When is the enrollment start date and end date? Will enrollments be in-person, online or telephonic?
A: August 1-August 31 online/in-person.
SLED stands for State, Local, and Education. These are solicitations issued by state governments, counties, cities, school districts, utilities, and higher education institutions — as opposed to federal agencies.
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