Franklin County School District Sealed Solicitation

Title: RFP 2024-02 Group Health, Life, and Employee Voluntary Supplemental Insurance

Deadline: 4/8/2024 10:00 AM   (UTC-05:00) Eastern Time (US & Canada)

Status: Awarded

Solicitation Number: RFP 2024-02

Description: Proposals are being solicited for insurance products for employees, eligible dependents, and retirees to include Group Health, Group Life, and Voluntary Dental, Vision, Accident, Cancer, Critical Care, Hospitalization, Intensive Care, Specified Health Event, Long-Term Disability, Short-Term Disability, AD&D, and Term Life Insurance.  Coverages/Services are further described in this Request for Proposal.  Proposers are expected to provide proposals on a fully insured basis.  

Documents:

Documents as of 3/19/2024
RFP_2024_02_Franklin_County_Group_Health_Insurance_and_Employee_Voluntary_Insurance.pdf
EXHIBIT_A_Franklin_Schools_2024_Census.csv
Addition 1

Posted: 3/21/2024

Type of Addition: Q&A - March 21, 2024

Overview: Questions & Answers
1. Is there an end date for questions? Questions and answers will be posted as they are received and answered up until the bid deadline.

2. Will the bid opening (scoring) dates and location be posted and is it open to the public?
    Yes, both the bid opening and scoring are open to the public. The date/times and location are as follows:
    Bid Opening (open to the public)
    Date/Time: 10 a.m. Monday, April 8, 2024
    Location: Franklin County School District, 85 School Road, Eastpoint, FL 32328
    Insurance Committee Meeting [scoring] (open to the public)
    Date/Time: 3:00 p.m. Wednesday, April 10, 2024
    Location: Franklin County School District, 85 School Road, Eastpoint, FL 32328

3. The RFP states, “The School District utilizes Employee Navigator for medical, dental, and vision and will require all carriers that submit a proposal to accept electronic enrollment files electronically”. Does this apply to the Voluntary Supplement plans as well? Or would those be able to enroll on a different platform?
The School District utilizes Employee Navigator, an electronic enrollment platform, for Medical, Dental, Vision, Life, Voluntary life, Short-Term and Long-Term disability. This does not apply to other Voluntary Supplemental plans. You may propose a different platform for those, but it is not required.  

Deadline: 4/8/2024 10:00 AM

Solicitation #: RFP 2024-02

Addition 2

Posted: 3/25/2024

Type of Addition: Addendum 1

Overview: Addendum #1 - Inclusion of Long-Term Disability and Short-Term Disability.  

Deadline: 4/8/2024 10:00 AM

Solicitation #: RFP 2024-02

Documents:

Addition 3

Posted: 3/25/2024

Type of Addition: Q&A - March 25, 2024

Overview:

4. Will the School District accept DocuSign signature or do you require wet signature from the authorized individual? The School District will accept Docusign signature.

 
5. Please provide the current/renewal rates for Life, Accident, Cancer, Critical Care and Hospitalization plans.

  • Current AFLAC rates have been added to the bid.
  • The Employer paid Life Insurance plan is $4.38 per month for $25,000 coverage.
  • https://franklincountyschools.mybenefitsinfo.com/wp-content/uploads/sites/20/2019/04/Voluntary-Life-and-ADD-Benefit-At-A-Glance.pdf


6. The census and website mention Disability. Is the group also requesting quotes for Disability at this time? Yes, the bid includes Employee Voluntary Long-Term and Short-Term Disability. Addendum #1 has been added to reflect these.

 
7. What is the length of the contract for this RFP? The bid cycle for these products is every three years.  

Deadline: 4/8/2024 10:00 AM

Solicitation #: RFP 2024-02

Documents:

Addition 4

Posted: 3/27/2024

Type of Addition: Q&A - March 27, 2024

Overview: General Underwriting:
1. Is your plan self-administered? If yes, do you currently use a benefits administration platform for your enrollment? If so, can the name of the vendor be released? The group uses Employee Navigator.
2. Please provide requested compensation for the life and disability coverages. Currently 15% but standard commission are requested in the RFP.

Life Underwriting:
1. Please provide the current rate paid by Retirees for their $20,000 and $10,000 benefits, respectively. The rate is $25.00 per month for $10,000 benefits, which is the only available coverage for retirees.

Disability Underwriting:
1. Please provide occupations on this census. This is not available. We do not store all occupations in Employee Navigator, we only have about 40%.
2. Please confirm whether the group participate in Social Security and if so, if any occupations are exempt. The group participates in Social Security and no occupations are exempt.
3. Please clarify if the group offers other STD plans to employees or if there are any other short-term disability plans with payroll deductions. We offer Lincoln as well as AFLAC.
a. If so, please indicate whether the group will eliminate these additional policies if a new STD carrier is selected. This would be determined by the Insurance Committee.
4. Please confirm what (if any) state retirement plan the group participates in, and which classes participate. The group participates in the Florida Retirement Plan. The membership classes participated in by the group are: Regular Class, Elected Officers’ Class (County and Local), and DROP.

Deadline: 4/8/2024 10:00 AM

Solicitation #: RFP 2024-02

Addition 5

Posted: 4/2/2024

Type of Addition: Q&A - April 2, 2024

Overview: Proposals must indicate any exceptions or deviations from the RFP specifications. All deviations must be clearly identified separately and all exceptions must include a written explanation as to the scope of the exception, any ramifications to the FCSB and any advantages/disadvantages to the FCSB as a result of the exception. We were not able to locate a specification document. Is there one that is provided? There is not a separate document for bid specification. The plans document link to our benefit website is referenced in the bid. https://franklincountyschools.mybenefitsinfo.com


With the information on last years rates for dental and vision were these plans for a 1 year renewal or a 2 year renewal? 1 Year. Current Rates are good to 06/30/2024.

Deadline: 4/8/2024 10:00 AM

Solicitation #: RFP 2024-02

Addition 6

Posted: 4/3/2024

Type of Addition: Q&A - April 4, 2024 -- And correction to Addition #4

Overview: Can you tell me if the RFP is available to quote with our agency negotiated contracts? Meaning the school district would be open to retaining us as the consulting entity if we were awarded the product lines based on our rates and plan designs? This bid is for plans only. We expect to publish a bid for Insurance Agent for our July 1, 2025 renewals next March.


Can you please provide the retiree census for the life insurance? The retiree census has been added to the bid.
 
Please confirm retiree enrollment in the $10,000 Group Life Plan. (per Addition #4, only the $10,000 plan is being offered). No retiree on the census appears to currently be enrolled in a life plan – should all be considered enrolled? The retiree census is attached to the bid. Under Age 70 is $20,000 coverage, Age 70 and over is $10,000 coverage.
 
CORRECTED RESPONSE to Addition #4: Please provide the current rate paid by Retirees for their $20,000 and $10,000 benefits, respectively. The rate is $25.00 per month for $10,000 benefits for retirees Age 70 and over. The rate is $50.00 per month for $20,000 coverage for retirees under Age 70.  

Deadline: 4/8/2024 10:00 AM

Solicitation #: RFP 2024-02

Documents:

Addition 7

Posted: 4/11/2024

Type of Addition: Intent to Award on April 25, 2024

Overview: Intent to Award to: Standard - Life & AD&D, Dental, Vision, LTD, and STD Capital Health Plan - Health Aflac - Employee Voluntary Products: Accident, Cancer, Critical Care, Hospitalization, etc.

Addition 8

Posted: 4/26/2024

Type of Addition: Award Information

Overview: Awarded to: Standard - Life & AD&D, Dental, Vision, LTD, and STD; Capital Health Plan - Health; Aflac - Employee Voluntary Products: Accident, Cancer, Critical Care, Hospitalization, etc.

Posted: 3/21/2024

Type of Addition: Q&A - March 21, 2024

Overview: Questions & Answers
1. Is there an end date for questions? Questions and answers will be posted as they are received and answered up until the bid deadline.

2. Will the bid opening (scoring) dates and location be posted and is it open to the public?
    Yes, both the bid opening and scoring are open to the public. The date/times and location are as follows:
    Bid Opening (open to the public)
    Date/Time: 10 a.m. Monday, April 8, 2024
    Location: Franklin County School District, 85 School Road, Eastpoint, FL 32328
    Insurance Committee Meeting [scoring] (open to the public)
    Date/Time: 3:00 p.m. Wednesday, April 10, 2024
    Location: Franklin County School District, 85 School Road, Eastpoint, FL 32328

3. The RFP states, “The School District utilizes Employee Navigator for medical, dental, and vision and will require all carriers that submit a proposal to accept electronic enrollment files electronically”. Does this apply to the Voluntary Supplement plans as well? Or would those be able to enroll on a different platform?
The School District utilizes Employee Navigator, an electronic enrollment platform, for Medical, Dental, Vision, Life, Voluntary life, Short-Term and Long-Term disability. This does not apply to other Voluntary Supplemental plans. You may propose a different platform for those, but it is not required.  

Deadline: 4/8/2024 10:00 AM

Solicitation #: RFP 2024-02

Posted: 3/25/2024

Type of Addition: Addendum 1

Overview: Addendum #1 - Inclusion of Long-Term Disability and Short-Term Disability.  

Deadline: 4/8/2024 10:00 AM

Solicitation #: RFP 2024-02

Documents:

Posted: 3/25/2024

Type of Addition: Q&A - March 25, 2024

Overview:

4. Will the School District accept DocuSign signature or do you require wet signature from the authorized individual? The School District will accept Docusign signature.

 
5. Please provide the current/renewal rates for Life, Accident, Cancer, Critical Care and Hospitalization plans.

  • Current AFLAC rates have been added to the bid.
  • The Employer paid Life Insurance plan is $4.38 per month for $25,000 coverage.
  • https://franklincountyschools.mybenefitsinfo.com/wp-content/uploads/sites/20/2019/04/Voluntary-Life-and-ADD-Benefit-At-A-Glance.pdf


6. The census and website mention Disability. Is the group also requesting quotes for Disability at this time? Yes, the bid includes Employee Voluntary Long-Term and Short-Term Disability. Addendum #1 has been added to reflect these.

 
7. What is the length of the contract for this RFP? The bid cycle for these products is every three years.  

Deadline: 4/8/2024 10:00 AM

Solicitation #: RFP 2024-02

Documents:

Posted: 3/27/2024

Type of Addition: Q&A - March 27, 2024

Overview: General Underwriting:
1. Is your plan self-administered? If yes, do you currently use a benefits administration platform for your enrollment? If so, can the name of the vendor be released? The group uses Employee Navigator.
2. Please provide requested compensation for the life and disability coverages. Currently 15% but standard commission are requested in the RFP.

Life Underwriting:
1. Please provide the current rate paid by Retirees for their $20,000 and $10,000 benefits, respectively. The rate is $25.00 per month for $10,000 benefits, which is the only available coverage for retirees.

Disability Underwriting:
1. Please provide occupations on this census. This is not available. We do not store all occupations in Employee Navigator, we only have about 40%.
2. Please confirm whether the group participate in Social Security and if so, if any occupations are exempt. The group participates in Social Security and no occupations are exempt.
3. Please clarify if the group offers other STD plans to employees or if there are any other short-term disability plans with payroll deductions. We offer Lincoln as well as AFLAC.
a. If so, please indicate whether the group will eliminate these additional policies if a new STD carrier is selected. This would be determined by the Insurance Committee.
4. Please confirm what (if any) state retirement plan the group participates in, and which classes participate. The group participates in the Florida Retirement Plan. The membership classes participated in by the group are: Regular Class, Elected Officers’ Class (County and Local), and DROP.

Deadline: 4/8/2024 10:00 AM

Solicitation #: RFP 2024-02

Posted: 4/2/2024

Type of Addition: Q&A - April 2, 2024

Overview: Proposals must indicate any exceptions or deviations from the RFP specifications. All deviations must be clearly identified separately and all exceptions must include a written explanation as to the scope of the exception, any ramifications to the FCSB and any advantages/disadvantages to the FCSB as a result of the exception. We were not able to locate a specification document. Is there one that is provided? There is not a separate document for bid specification. The plans document link to our benefit website is referenced in the bid. https://franklincountyschools.mybenefitsinfo.com


With the information on last years rates for dental and vision were these plans for a 1 year renewal or a 2 year renewal? 1 Year. Current Rates are good to 06/30/2024.

Deadline: 4/8/2024 10:00 AM

Solicitation #: RFP 2024-02

Posted: 4/3/2024

Type of Addition: Q&A - April 4, 2024 -- And correction to Addition #4

Overview: Can you tell me if the RFP is available to quote with our agency negotiated contracts? Meaning the school district would be open to retaining us as the consulting entity if we were awarded the product lines based on our rates and plan designs? This bid is for plans only. We expect to publish a bid for Insurance Agent for our July 1, 2025 renewals next March.


Can you please provide the retiree census for the life insurance? The retiree census has been added to the bid.
 
Please confirm retiree enrollment in the $10,000 Group Life Plan. (per Addition #4, only the $10,000 plan is being offered). No retiree on the census appears to currently be enrolled in a life plan – should all be considered enrolled? The retiree census is attached to the bid. Under Age 70 is $20,000 coverage, Age 70 and over is $10,000 coverage.
 
CORRECTED RESPONSE to Addition #4: Please provide the current rate paid by Retirees for their $20,000 and $10,000 benefits, respectively. The rate is $25.00 per month for $10,000 benefits for retirees Age 70 and over. The rate is $50.00 per month for $20,000 coverage for retirees under Age 70.  

Deadline: 4/8/2024 10:00 AM

Solicitation #: RFP 2024-02

Documents:

Posted: 4/11/2024

Type of Addition: Intent to Award on April 25, 2024

Overview: Intent to Award to: Standard - Life & AD&D, Dental, Vision, LTD, and STD Capital Health Plan - Health Aflac - Employee Voluntary Products: Accident, Cancer, Critical Care, Hospitalization, etc.

Posted: 4/26/2024

Type of Addition: Award Information

Overview: Awarded to: Standard - Life & AD&D, Dental, Vision, LTD, and STD; Capital Health Plan - Health; Aflac - Employee Voluntary Products: Accident, Cancer, Critical Care, Hospitalization, etc.