3. Question: What system is the City of Morristown currently using for benefits administration?

Size: px
Start display at page:

Download "3. Question: What system is the City of Morristown currently using for benefits administration?"

Transcription

1 CITY OF MORRISTOWN FINANCE DEPARTMENT RFP: BROKERAGE/CONSULTING SERVICES FOR GROUP INSURANCE AND VOLUNTARY INSURANCE BENEFITS QUESTIONS AND ANSWERS MARCH 11, 2016 The following represents the cumulative questions that were remitted to the City of Morristown regarding the above referenced Request for Proposal. As stated in Request for Proposal, the responses to all questions are being posted on the City s website to ensure accurate, consistent, responses to all proposers. These written responses shall be considered the official responses to the questions from the City of Morristown. 1. Question: In the RFP, you make mention of matching current plan design and rates. Will those be something that is released prior to RFP's being turned in, or are those items something you are simply expecting the Agency who is chosen to work with the City of Morristown on? Under the SELECTION CRITERIA, 8. Consideration for Flexibility in Rates and Rate Table Design states the following: Proposers shall provide a submittal of various types of rate tables and discussion of how the various types of rate tables will be used. Descriptions should include but not be limited to Age, Gender, Tobacco usage or non-usage. The ability to match current plan designs will be taken into consideration. The current plan and rates will not be released prior to the submittal of the Request for Proposal. The City of Morristown is looking for examples of rate tables and a narrative of how the tables are used, specifically when you factor in age, gender, tobacco usage, etc. Additionally, the proposer should address in general terms its ability and resources to match current plans. The City of Morristown understands that examples of rates if provided may or may not be final. These will be finalized with the proposer that is selected. The goal of this criterion is to establish a proposer s ability and its resources to ensure that current plans can at least be met. 2. Question: Understanding what is being requested to meet the City's needs, may we partner with a broker to do the RFP, just as other brokers partner with other supplemental companies to do their RFP? The City of Morristown does not dictate the manner that a proposer achieves the completion of the Request for Proposal including the qualifications, information, etc. that is submitted by a proposer.

2 The City of Morristown will evaluate all proposals submitted by the SELECTION CRITERIA that is included in the Request for Proposal. As stated under the TERMS AND CONDITIONS, E. AWARD IN WHOLE OR IN PART. The City of Morristown reserves the right to: award by item, groups of items, or total proposal; to reject any and/or all proposals in whole or in part, and to waive any informality if it is determined to be in the best interest of City of Morristown. 3. Question: What system is the City of Morristown currently using for benefits administration? The City of Morristown utilizes Munis, a Tyler Technologies product to administer its benefits. 4. Question: What payroll vendor does the City of Morristown currently use? The City of Morristown does not utilize a payroll vendor. The City of Morristown processes its payrolls. 5. Question: Does the City of Morristown currently use the payroll vendor to complete the 1094/1095 IRS reporting? The City of Morristown does not utilize a payroll vendor. The City of Morristown prepares all reports to the IRS related to the Affordable Care Act. 6. Question: I realize you supply all Brokers with the same information but I was wondering if we go online and get the info needed to quote or is that something you will to those interested? To quote the medical insurance, we would need a copy of your employee census that includes the employee s name and/or gender, their date of births, what type coverage they currently have, and their zip codes. It would also be very helpful if you had the DOB s of the dependents that had coverage. Also, we would like a copy of your current plan design so we can make sure that we are quoting apples to apples.?

3 As stated throughout the Request for Proposal, the City of Morristown is seeking proposals for brokerage/consulting services. As addressed in the SCOPE OF SERVICES, the broker/consultant that is selected and approved by City Council will: a) provide ongoing analysis, review, and evaluation of the City s existing group insurance plans and make recommendations as how to improve them; and b) represent the City in analyzing and negotiating renewal rates to obtain competitive market pricing. Therefore, the above information will not be provided as it relates to this Request for Proposal. 7. Question: Would you please let us know the amount paid last year for these services? The City of Morristown will provide this information in compliance with its policies that were established in accordance with the Tennessee Public Records Act. In order to obtain this information, interested parties should contact Ms. Debbie Stamey at dstamey@mymorristown.com. Ms. Stamey will provided the documentation that is necessary to make this request. 8. Question: Open enrollment begins on May 2, Has it been decided to stay status quo for this year s benefit offering? At this point, nothing has been decided and the May 2, 2016 date is not a hard date. Obviously, the City of Morristown will be looking at the selected broker to answer these questions especially if the selected proposer recommends changes. The City of Morristown will look to the selected broker to ensure that employees are enrolled with their selected benefits and that the benefits begin July 1, Additionally, the information must be given to payroll to allow for sufficient time to make all necessary changes in benefits. 9. Question: It is stated early in the RFP that the City is a self-funded insurance plan. Is the reinsurance carrier currently BlueCross, or is it with a different entity? The reinsurance carrier is BlueCross/BlueShield of Tennessee. 10. Question: It is stated early in in the RFP that the City is a self-funded insurance plan. Does the City have both specific and aggregate stop-loss insurance?

4 Yes. 11. Question: If we are providing an answer to the commission question, it would be beneficial to understand the annual premium for: stop-loss, dental, vision, long-term disability, and life. Under the SELECTION CRITERIA, 9. Proposed Fee it states the following, Proposers shall provide a detailed plan of their proposed fee. The plan should fully disclose ALL compensation in general terms that the Broker/Consultant is to receive. For example, if the Broker/Consultant proposes to take a flat fee for services, then it should also disclose if it is forgoing any and all commissions paid on the book of business. Conversely, if the Broker/Consultant proposes to receive all commission, then the percentage of commission should be disclosed. It is the proposer decision to propose the fee. The City of Morristown realizes that if a proposer submits a proposal with a certain commission that the final commission received may be different. The City of Morristown will be looking for full disclosure on total compensation that the broker is receiving. The City of Morristown feels that full disclosure is necessary to report to the governing body, employees, and its taxpayers. 12. Question: Is the RFP solely for Brokerage/Consulting services OR are you also asking that RATES for certain products/carriers be included in the response? In the Selection Criteria, #4, #5, and #8 seem to be questions you would ask for of an insurance carrier not a broker. Please explain. If this criteria is NOT applicable for brokers services, how do you suggest we respond? The Request for Proposal is for brokerage/consulting services. The City of Morristown is searching for a broker that has the capacity and access to those carriers that will allow the objectives in the Request for Proposal to be achieved. Interested proposers should submit proposals as they deem necessary. 13. Question: The timeline states that the new brokerage contract would begin April 20 th. Open Enrollment will begin May 2 nd. Page nine, paragraph five of the RFP indicates that proposers must have the ability to develop and implement strategies that will allow sufficient time for transition and open enrollment for July 1, Please explain what is expected of the new broker between April 20, 2016 and May 2, 2016.

5 At this point, nothing has been decided and the May 2, 2016 date is not a hard date. Obviously, the City of Morristown will be looking at the selected broker to answer these questions especially if the selected proposer recommends changes. The City of Morristown will look to the selected broker to ensure that employees are enrolled with their selected benefits and that the benefits begin July 1, Additionally, the information must be given to payroll to allow for sufficient time to make all necessary changes in benefits. 14. Question: Typically insurance agencies and brokers are not financially rated by AMBEST or Standard and Poor s unless publicly traded, only insurance companies are financially rated by the firms indicated. Are you requesting any financial information from the agent/broker? The City of Morristown understands that the rating request may not be applicable to all proposers. The goal of this request was to ensure that all those proposers that was submitting to this Request for Proposal would submit this information. Those proposers that do not meet the criteria should submit whatever information they deem necessary that will provide information as to the firm s stability. 15. Question: What type of rate tables are your referring to (i.e. medical, non-medical coverage, participation/non-participation in wellness, etc.? Please clarify what the intent of the rate table will be used for or are currently being used for. Under the SELECTION CRITERIA, 8. Consideration for Flexibility in Rates and Rate Table Design states the following: Proposers shall provide a submittal of various types of rate tables and discussion of how the various types of rate tables will be used. Descriptions should include but not be limited to Age, Gender, Tobacco usage or non-usage. The ability to match current plan designs will be taken into consideration. The current plan and rates will not be released prior to the submittal of the Request for Proposal. The City of Morristown is looking for examples of rate tables and a narrative of how the tables are used, specifically when you factor in age, gender, tobacco usage, etc. Additionally, the proposer should address in general terms its ability and resources to match current plans. The City of Morristown understands that examples of rates if provided may or may not be final. These will be finalized with the proposer that is selected. The goal of this criterion is to establish a proposer s ability and its resources to ensure that current plans can at least be met.

6 16. Question: The RFP does not mention COBRA services. services? Is the City requesting COBRA Although not specifically in the Request for Proposal, the selected proposer would provide consulting related to COBRA services. As stated in the overview, it is the goal of the City of Morristown to select one broker/consultant to provide all benefits to serve in the best interest of the City and its employees. 17. Question: What are your top priorities for employee benefits and what are three things you would like to see changed in the coming year(s)? This will be answered and discussed with the proposer that is selected. 18. Question: Do you want each bidding broker to go to market on your benefits or just provide information on their services and their compensation methodology? If wishing us to go to market, will need census, claims and eligibility data (paid claims by line of coverage, enrollment), TPA contract, stop loss renewal for two years, large claimant reports for 2 years, rate history for at least 24 months, and benefit summaries for each line of coverage. Census should include date of birth, gender, date of hire, home zip code, tier of coverage. job title, and annual income. This question has been answered above. Again, the first objective of this Request for Proposal is to secure a broker/consultant. 19. Question: Do you currently have an enrollment system? Who is the vendor? Are you happy with this system? If not, how do you currently handle enrollments? The current broker(s) provides these services. proposer that is selected. This will be discussed with the 20. Question: Have you implemented any wellness programs? The City of Morristown has attempted to initiate some wellness programs.

7 21. Question: What voluntary vendors do you currently use? Which ones are you happy with and which ones not? As stated in the overview, it is the goal of the City of Morristown to select one broker/consultant to provide all benefits to serve in the best interest of the City and its employees. 22. Question: Billing statement per line of coverage including any self-bill. If known, current commission % per line of coverage and/or fees for services. This will help us to competitively price our consulting fee versus commission schedule since government entities do not file Form 5500's. This is a way we differentiate our agency from others agencies. This question has been answered in various forms. Please see previous responses. 23. Question: Current benefit summaries for lines of coverage and current premium funding methodology/rates. Employer versus employee contributions. This will be discussed with the proposer that is selected. 24. Question: Who is your third party administrator for medical, dental, and vision? This will be discussed with the proposer that is selected. 25. Question: Who is your stop loss carrier and what is the specific deductible? Do you also have aggregate coverage? This question has been answered in various forms. Please see previous responses. 26. Question: Who is the pharmacy benefit manager? This will be discussed with the proposer that is selected.

8 27. Question: Since you have such a short time frame between selecting broker and starting open enrollment, do you plan to stay with current vendors this year or are you prepared for the City to make a quick decision once marketing results are presented by chosen broker. This question has been answered in various forms. Please see previous responses. 28. Question: Do you offer more than one plan design option for the medical coverage? This will be discussed with the proposer that is selected.

REQUEST FOR PROPOSAL Employee Benefits Brokerage and Consulting Services SIATech, Inc.

REQUEST FOR PROPOSAL Employee Benefits Brokerage and Consulting Services SIATech, Inc. REQUEST FOR PROPOSAL Employee Benefits Brokerage and Consulting Services SIATech, Inc. I. Invitation SIATech is seeking a benefits brokerage/consulting firm to perform the full range of services related

More information

REQUEST FOR PROPOSAL FOR EMPLOYEE BENEFIT BROKERAGE CONSULTING SERVICES City of Poway

REQUEST FOR PROPOSAL FOR EMPLOYEE BENEFIT BROKERAGE CONSULTING SERVICES City of Poway REQUEST FOR PROPOSAL FOR EMPLOYEE BENEFIT BROKERAGE CONSULTING SERVICES City of Poway I. INVITATION The City of Poway is interested in obtaining the services of a professional, highly qualified benefits

More information

Fayetteville Public Schools Request for Proposals

Fayetteville Public Schools Request for Proposals Fayetteville Public Schools Request for Proposals TITLE: DEPARTMENT: Employee Benefits Broker Services Human Resources ISSUE DATE: May 28, 2013 DUE DATE: 4:00 PM, June 11, 2013 ISSUING AGENCY: Fayetteville

More information

REQUEST FOR PROPOSALS (RFP) for INSURANCE BROKER. Issued: May 19, 2015

REQUEST FOR PROPOSALS (RFP) for INSURANCE BROKER. Issued: May 19, 2015 REQUEST FOR PROPOSALS (RFP) for INSURANCE BROKER Issued: May 19, 2015 PROPOSAL SUBMISSION DEADLINE: *******June 2, 2015 by 2:00PM Local Time ******* NO LATE PROPOSALS WILL BE ACCEPTED Proposals received

More information

Data Components Needed to Obtain a Competitive Health Insurance Quote

Data Components Needed to Obtain a Competitive Health Insurance Quote Data Components Needed to Obtain a Competitive Health Insurance Quote Please gather as much of these data components as possible and submit to brian@houstonbenefitservices.com Office (832) 746-7270 Or

More information

Request for Proposal For Health Insurance Brokerage Services

Request for Proposal For Health Insurance Brokerage Services Request for Proposal For Health Insurance Brokerage Services NOTICE REQUEST FOR PROPOSALS FOR Health Insurance Brokerage Services For Bountiful City Corporation RFP AVAILABLE: Monday, January 11, 2016

More information

Benefit Consulting Service RFP Questions Answered:

Benefit Consulting Service RFP Questions Answered: Benefit Consulting Service RFP Questions Answered: 1. Section 2- Project Scope- we wanted to get a better handle on what actuarial services you want us to include in our bid. In particular for #1. c. are

More information

15-022 RFP Life Insurance Questions and Answers Amendment 3 November 24, 2015

15-022 RFP Life Insurance Questions and Answers Amendment 3 November 24, 2015 The following questions were received November 12-18, 2015. 15-022 RFP Life Insurance Questions and Answers Amendment 3 November 24, 2015 NOTE: Responses to the RFP are due on December 18, 2015 by 2:00

More information

CHARLESTON COUNTY PARK AND RECREATION COMMISSION Request for Proposal Insurance Product Broker No. 2014-033 June 16, 2014

CHARLESTON COUNTY PARK AND RECREATION COMMISSION Request for Proposal Insurance Product Broker No. 2014-033 June 16, 2014 Contents CHARLESTON COUNTY PARK AND RECREATION COMMISSION Request for Proposal Insurance Product Broker No. 2014-033 June 16, 2014 1 Insurance Product Broker PRICE PROPOSAL... 4 Introduction... 6 Scope

More information

REQUEST FOR PROPOSALS For HEALTH INSURANCE AGENT/BROKER SERVICES. FOR THE Town of Vernon, Connecticut. Contract # 1015 10/15/2012

REQUEST FOR PROPOSALS For HEALTH INSURANCE AGENT/BROKER SERVICES. FOR THE Town of Vernon, Connecticut. Contract # 1015 10/15/2012 REQUEST FOR PROPOSALS For HEALTH INSURANCE AGENT/BROKER SERVICES FOR THE Town of Vernon, Connecticut Contract # 1015 10/15/2012 TO SELECT AN AGENT OF RECORD AND BROKER FOR HEALTH INSURANCE AND RELATED

More information

COUNTY OF GRUNDY REQUEST FOR PROPOSAL HEALTH INSURANCE BROKERAGE SERVICES

COUNTY OF GRUNDY REQUEST FOR PROPOSAL HEALTH INSURANCE BROKERAGE SERVICES COUNTY OF GRUNDY REQUEST FOR PROPOSAL HEALTH INSURANCE BROKERAGE SERVICES 1 Overview of County SECTION I - INTRODUCTION The County of Grundy (Hereinafter referred to as the County ) is located between

More information

Robert A. Ficano County Executive WAYNE COUNTY PURCHASING DIVISION REQUEST FOR PROPOSALS FOR EMPLOYEE / RETIREE VISION BENEFITS

Robert A. Ficano County Executive WAYNE COUNTY PURCHASING DIVISION REQUEST FOR PROPOSALS FOR EMPLOYEE / RETIREE VISION BENEFITS Robert A. Ficano County Executive WAYNE COUNTY PURCHASING DIVISION REQUEST FOR PROPOSALS FOR EMPLOYEE / RETIREE VISION BENEFITS CONTROL #37-13-081 ADDENDUM NO. 2 ADDENDUM ISSUE DATE: MONDAY, JUNE 24, 2013

More information

REQUEST FOR PROPOSALS For HEALTH INSURANCE BROKER SERVICES. FOR THE County of Baldwin, Alabama

REQUEST FOR PROPOSALS For HEALTH INSURANCE BROKER SERVICES. FOR THE County of Baldwin, Alabama REQUEST FOR PROPOSALS For HEALTH INSURANCE BROKER SERVICES FOR THE County of Baldwin, Alabama TO SELECT AN AGENT OF RECORD AND BROKER FOR HEALTH INSURANCE AND RELATED ANCILLARY PRODUCTS INVITATION Baldwin

More information

Request For Proposals - A City of Columbus, Indiana Medical Insurance

Request For Proposals - A City of Columbus, Indiana Medical Insurance Request for Proposals Third Party Administrative Services For City of Columbus Self-Funded Health Plan Date: April 21, 2015 Proposal Location: City of Columbus, Indiana Response Due Date and Time: June

More information

ASO. BlueCross BlueShield of Oregon HOW AN ADMINISTRATIVE SERVICES ONLY (ASO) PLAN CAN WORK FOR YOU AN INTRODUCTION FOR GROUPS OF 51-99 MT HOOD

ASO. BlueCross BlueShield of Oregon HOW AN ADMINISTRATIVE SERVICES ONLY (ASO) PLAN CAN WORK FOR YOU AN INTRODUCTION FOR GROUPS OF 51-99 MT HOOD BlueCross BlueShield of Oregon ASO HOW AN ADMINISTRATIVE SERVICES ONLY (ASO) PLAN CAN WORK FOR YOU AN INTRODUCTION FOR GROUPS OF 51-99 Regence BlueCross BlueShield of Oregon is an Independent Licensee

More information

Muskegon Community College Request for Proposal Insurance Agent/Broker

Muskegon Community College Request for Proposal Insurance Agent/Broker Muskegon Community College Request for Proposal Insurance Agent/Broker REQUEST FOR PROPOSAL Muskegon Community College is seeking and accepting proposals for licensed Insurance brokers to provide brokerage

More information

Request for Proposals - Employee Benefits Broker and Consulting Services

Request for Proposals - Employee Benefits Broker and Consulting Services Request for Proposals - Employee Benefits Broker and Consulting Services November 11, 2013 INVITATION FOR REQUEST FOR PROPOSALS Redlands Christian Migrant Association (RCMA) is soliciting proposals from

More information

ACA Employer Reporting Guide. A practical guide to understanding the ACA 6055 and 6056 employer reporting requirements

ACA Employer Reporting Guide. A practical guide to understanding the ACA 6055 and 6056 employer reporting requirements ACA Employer Reporting Guide A practical guide to understanding the ACA 6055 and 6056 employer reporting requirements Table of Contents INTRODUCTION TO ACA EMPLOYER REPORTING... 3 HOW TO USE THIS GUIDE...

More information

Request for Qualifications (RFQ) Insurance Broker/Consultation Services City of Shenandoah Employee Benefits Plan

Request for Qualifications (RFQ) Insurance Broker/Consultation Services City of Shenandoah Employee Benefits Plan Request for Qualifications (RFQ) Insurance Broker/Consultation Services City of Shenandoah Employee Benefits Plan I. GENERAL INFORMATION/PUBLISHING The City of Shenandoah, Texas (CITY) is accepting Qualification

More information

CEDAR CITY REQUEST FOR PROPOSALS. Workers Compensation. October 2013. Prepared by Cedar City Human Resources

CEDAR CITY REQUEST FOR PROPOSALS. Workers Compensation. October 2013. Prepared by Cedar City Human Resources CEDAR CITY REQUEST FOR PROPOSALS Workers Compensation October 2013 Prepared by Cedar City Human Resources CEDAR CITY WORKERS COMPENSTATION REQUEST FOR PROPOSALS 1. Services: Workers Compensation Bid 2.

More information

OptiMed Single Sourced Administration Services

OptiMed Single Sourced Administration Services NEWS! GAP Available in California for small group! GAP is now available in California for small groups of 5+. Please ask your OptiMed Group Representative for more information on our Group Supplemental

More information

REQUEST FOR QUALIFICATIONS AND PROPOSALS INSURANCE BROKER FOR PROPERTY, CASUALTY, FIDELITY AND OTHER INSURANCE

REQUEST FOR QUALIFICATIONS AND PROPOSALS INSURANCE BROKER FOR PROPERTY, CASUALTY, FIDELITY AND OTHER INSURANCE REQUEST FOR QUALIFICATIONS AND PROPOSALS INSURANCE BROKER FOR PROPERTY, CASUALTY, FIDELITY AND OTHER INSURANCE RESPONSES DUE: Friday, February 6, 2009, by 5:00 P.M. Central time Page 1 of 13 Section I:

More information

CITY OF WINCHESTER, KENTUCKY REQUEST FOR PROPOSAL INSURANCE BROKERAGE SERVICES

CITY OF WINCHESTER, KENTUCKY REQUEST FOR PROPOSAL INSURANCE BROKERAGE SERVICES INTRODUCTION The City of Winchester (City) is requesting Proposals for Insurance Brokerage Services relating to Property, General Liability, Public Officials Liability, Law Enforcement, Fleet, and Worker

More information

Health Care Reform Frequently Asked Questions

Health Care Reform Frequently Asked Questions Health Care Reform Frequently Asked Questions On March 23, 2010, President Obama signed federal health care reform into law, also known as the Patient Protection and Affordability Act. A second, or reconciliation

More information

UTAH COUNTY REQUEST FOR PROPOSALS FOR HEALTH AND LIFE INSURANCE BROKER

UTAH COUNTY REQUEST FOR PROPOSALS FOR HEALTH AND LIFE INSURANCE BROKER UTAH COUNTY REQUEST FOR PROPOSALS FOR HEALTH AND LIFE INSURANCE BROKER SECTION 1 ADMINISTRATIVE OVERVIEW 1.1 PURPOSE Utah County is soliciting proposals from insurance brokers/consultants qualified to

More information

QBE A&H, LLC UNDERWRITING GUIDE

QBE A&H, LLC UNDERWRITING GUIDE QBE A&H, LLC UNDERWRITING GUIDE OVERVIEW QBE A&H, LLC was created to surpass the needs of Third Party Administrators (TPA's) and broker/consultants specializing in the self-funded employee benefits marketplace.

More information

Request for Proposals

Request for Proposals Request for Proposals Title: RFP #: 2010-HR-001 Issue Date: January 4, 2010 Due Date/Time: January 28, 2010 2 p.m. Issuing Agency: Harnett County Human Resources Department 102 E. Front Street P.O. Box

More information

Producer FAQs. Is the Maryland Health Benefit Exchange an insurance company?

Producer FAQs. Is the Maryland Health Benefit Exchange an insurance company? Producer FAQs Question Is the Maryland Health Benefit Exchange an insurance company? What types of coverage will Maryland Health Connection offer? How do I know that this is legitimate health coverage?

More information

REQUEST FOR PROPOSALS BENEFITS INSURANCE BROKERAGE SERVICES STOREY COUNTY, NEVADA

REQUEST FOR PROPOSALS BENEFITS INSURANCE BROKERAGE SERVICES STOREY COUNTY, NEVADA REQUEST FOR PROPOSALS FOR BENEFITS INSURANCE BROKERAGE SERVICES FOR STOREY COUNTY, NEVADA Posted December 26, 2013 through January 13, 2014 (Proposals due 4:00 p.m. on January 13, 2014) Prepared By: P.O.

More information

Humana s Coverage and Renewal Period Options for Employers

Humana s Coverage and Renewal Period Options for Employers Humana early option Coverage and Renewal Options Guide Illinois Humana s Coverage and Renewal Period Options for Employers The Affordable Care Act (ACA) calls for the definition of small employer to change

More information

CLIENT INFORMATION FORM

CLIENT INFORMATION FORM CLIENT INFORMATION FORM Company Profile Legal Name of Organization: Mailing Address: City: State: Zip: Executive Officer (signer): Title: Email Address: Telephone: Business Activity: Employer Fed Tax ID#:

More information

The Pueblo Urban Renewal Authority

The Pueblo Urban Renewal Authority REQUEST FOR PROPOSAL INSURANCE BROKERAGE / CONSULTING SERVICES For The Pueblo Urban Renewal Authority Pueblo Urban Renewal Authority 115 E. Riverwalk, Unit 410, Pueblo, CO 81003 Page 1 INTRODUCTION This

More information

Request for Proposal (RFP) for the State of Delaware s Life Insurance Programs

Request for Proposal (RFP) for the State of Delaware s Life Insurance Programs Request for Proposal (RFP) for the State of Delaware s Life Insurance Programs All shipping packages should be clearly labeled as RESPONSE TO REQUEST FOR PROPOSAL Bid responses received after 3:00 p.m.

More information

Humana Small Business Agent Sales Guide

Humana Small Business Agent Sales Guide Humana Small Business Agent Sales Guide GN-64788-HH 2/09 Table of contents Guaranteed access.... 2 Employer eligibility.... 2 Employee eligibility... 2 Dependent eligibility... 2 Quote requests... 3 Be

More information

January 2003. Employers must be prepared for their obligations under the HIPAA Privacy Rules

January 2003. Employers must be prepared for their obligations under the HIPAA Privacy Rules Employer Sponsored Group Health Plans and the HIPAA Privacy Rules Employers must be prepared for their obligations under the HIPAA Privacy Rules January 2003 Bob Radecki KnowHIPAA.com HIPAA-COBRA-FMLA

More information

HEALTH INSURANCE ENROLLMENT FORM

HEALTH INSURANCE ENROLLMENT FORM HEALTH INSURANCE ENROLLMENT FORM Requirements You must complete the Enrollment Form as part of the New Hire Process. You must elect or decline coverage on the Enrollment Form. Return the Enrollment Form

More information

REQUEST FOR PROPOSAL GROUP HEALTH, DENTAL, & VISION INSURANCE BENEFITS

REQUEST FOR PROPOSAL GROUP HEALTH, DENTAL, & VISION INSURANCE BENEFITS Addendum No. 1 Request for Proposals No. 2015-08: Group Health, Dental, & Vision Insurance Benefits This addendum provides corrected information within the body of the document regarding the RFP number,

More information

REQUEST FOR PROPOSAL (RFP) FOR GROUP TERM LIFE PLAN FOR THE CITY OF GALESBURG, IL

REQUEST FOR PROPOSAL (RFP) FOR GROUP TERM LIFE PLAN FOR THE CITY OF GALESBURG, IL REQUEST FOR PROPOSAL (RFP) FOR GROUP TERM LIFE PLAN FOR THE CITY OF GALESBURG, IL RFP Circulation Date: 6/5/14 Proposal Submission Deadline: 7/18/14 NOTICE Prospect: City of Galesburg, IL Deadline for

More information

SOUTH FLORIDA INTERNATIONAL CHARTER SCHOOL

SOUTH FLORIDA INTERNATIONAL CHARTER SCHOOL SOUTH FLORIDA INTERNATIONAL CHARTER SCHOOL 1225 SE 2nd Avenue, Ft. Lauderdale, FL sfics.org South Florida International Charter School is a Florida not for profit corporation, which will be operating Public

More information

Exclusive Group Health Insurance Program

Exclusive Group Health Insurance Program Exclusive Group Health Insurance Program Prepared for: Presented By: Fred Garfield, Senior Vice President Horton Benefit Solutions fred.garfield@thehortongroup.com / Phone: 708.845.3121 Creating Through

More information

Questionnaire/Compliance Form for COBRA Administration

Questionnaire/Compliance Form for COBRA Administration Form for COBRA Administration Questionnaire/Compliance 1. General Information 1.1 Total number of employees in your company. 1.2 Your company shall submit renewal fees to the district no later than February

More information

B. Present plan enhancement and/or cost reduction strategies whenever possible. C. Enhance plan communication and legal compliance efforts.

B. Present plan enhancement and/or cost reduction strategies whenever possible. C. Enhance plan communication and legal compliance efforts. Dear : Union College is soliciting proposals from insurance brokers/consultants qualified to perform and interested in performing brokerage and consulting services for the modification and refinement of

More information

HHS Final Rule on Transitional Reinsurance Fee Adds to Employer Costs

HHS Final Rule on Transitional Reinsurance Fee Adds to Employer Costs HHS Final Rule on Transitional Reinsurance Fee Adds to Employer Costs March 2013 A transitional reinsurance fee is being added to the penalties and taxes imposed on employers and their fully insured and

More information

Affordable Care Act Update

Affordable Care Act Update Affordable Care Act Update Presented by: Jill Brooking, Vice President, Benefits Compliance National Financial Partners Corp. and its subsidiaries do not provide legal or tax advice. Compliance, regulatory

More information

Life Insurance RFP Question Responses

Life Insurance RFP Question Responses Life Insurance RFP Question Responses 1. In review of the documents online, it appears some pertinent information was not provided. Could you please advise if you will be able to forward the following:

More information

Request for Proposal for Employee Benefit Brokerage Consulting Services

Request for Proposal for Employee Benefit Brokerage Consulting Services Request for Proposal for Employee Benefit Brokerage Consulting Services Zoo Atlanta is soliciting proposals from insurance brokers/consultants qualified to perform and interested in providing brokerage

More information

How To Report Health Insurance To The Irs

How To Report Health Insurance To The Irs ACA REPORTING WEBINAR QUESTIONS AND ANSWERS The following questions on ACA reporting requirements to the IRS were collected at a series of webinars offered by ThinkHR. Introduction The Affordable Care

More information

Needs Assessment Questionnaire

Needs Assessment Questionnaire Needs Assessment Questionnaire Company Information Company Name Primary HR Contact & Title Phone E-mail Address City/State/Zip # Locations Website Tech Contact Finance Contact # of Active # of HR Staff

More information

REQUEST FOR PROPOSALS FOR Franchise Fees, Sales and Use Tax Audits

REQUEST FOR PROPOSALS FOR Franchise Fees, Sales and Use Tax Audits REQUEST FOR PROPOSALS FOR Franchise Fees, Sales and Use Tax Audits The City of Louisville, Colorado is accepting proposals for the purpose of performing sales and use tax, and franchise fee compliance

More information

Evaluating Prospective Health Insurance Funding Arrangements for Your Firm

Evaluating Prospective Health Insurance Funding Arrangements for Your Firm Evaluating Prospective Health Insurance Funding Arrangements for Your Firm Presented by Mark Shore HR04 9/13/2014 9:15 AM - 10:30 AM Evaluating Prospective Insurance Funding Arrangements Presented by:

More information

REQUEST FOR PROPOSAL/QUALIFICATIONS FOR HEALTH INSURANCE BROKER OF RECORD. Issued by the. Township of Haddon. Date Issued: July 23, 2014

REQUEST FOR PROPOSAL/QUALIFICATIONS FOR HEALTH INSURANCE BROKER OF RECORD. Issued by the. Township of Haddon. Date Issued: July 23, 2014 REQUEST FOR PROPOSAL/QUALIFICATIONS FOR HEALTH INSURANCE BROKER OF RECORD Issued by the Township of Haddon Date Issued: July 23, 2014 Responses Due By: August 18, 2014 REQUEST FOR PROPOSAL/QUALIFICATIONS

More information

Self-Funding and CIGNA Select Solutions. Brian Helmly Rogers Benefit Group

Self-Funding and CIGNA Select Solutions. Brian Helmly Rogers Benefit Group Self-Funding and CIGNA Select Solutions Brian Helmly Rogers Benefit Group 1 Innovative funding options CIGNA offers more funding options for smaller companies than any other national health company. A

More information

REQUEST FOR PROPOSAL. Employee Benefits Brokerage and Consulting Services. Duckett Creek Sanitary District

REQUEST FOR PROPOSAL. Employee Benefits Brokerage and Consulting Services. Duckett Creek Sanitary District REQUEST FOR PROPOSAL Employee Benefits Brokerage and Consulting Services Duckett Creek Sanitary District INVITATION Duckett Creek Sanitary District is seeking a benefit brokerage/consulting firm to perform

More information

EMPLOYEE BENEFITS 1-877-863-9406 www.modot.mo.gov/newsandinfo/benefits.htm

EMPLOYEE BENEFITS 1-877-863-9406 www.modot.mo.gov/newsandinfo/benefits.htm EMPLOYEE BENEFITS 1-877-863-9406 www.modot.mo.gov/newsandinfo/benefits.htm What happens to your benefits when you terminate state employment? We want to provide you with important information on your benefits

More information

2015 Small group new business application

2015 Small group new business application 2015 Small group new business application PLEASE COMPLETE AND RETURN ALL PAGES IN THIS APPLICATION OR PROCESSING COULD BE DELAYED. 1-50 eligible employees New group checklist Use this checklist to expedite

More information

Employer's guide to health care reform

Employer's guide to health care reform Employer's guide to health care reform Employer's guide to health care reform: the complete small business resource With the Affordable Care Act (ACA) in full swing, it s important you understand what

More information

How To Write A Section 125 Flexible Benefit Plan For Duplin County Schools

How To Write A Section 125 Flexible Benefit Plan For Duplin County Schools REQUEST FOR PROPOSALS (RFP) EMPLOYEE BENEFITS BROKER / CONSULTING SERVICES DUPLIN COUNTY SCHOOLS PO Box 128 Kenansville, NC 28349 Section 125 Flexible Benefit Plan Issue Date: October 1, 2015 Due Date:

More information

New Business Transmittal Checklist

New Business Transmittal Checklist New Business Transmittal Checklist 1. New Business Submission Form Form # CLIC NBSF (02/2012) 2. Employer Application (must be completed by agent with employer s original signature on the 2 nd page): a.

More information

REQUEST FOR PROPOSALS for EMPLOYEE BENEFITS BROKER/ CONSULTING SERVICES

REQUEST FOR PROPOSALS for EMPLOYEE BENEFITS BROKER/ CONSULTING SERVICES Kansas City, Kansas Housing Authority 1124 North Ninth Street Kansas City, KS 66101-2197 (913) 281-3300 FAX (913) 279-3428 REQUEST FOR PROPOSALS for EMPLOYEE BENEFITS BROKER/ CONSULTING SERVICES Date RFP

More information

Rate Card General Agent Administrative Handbook

Rate Card General Agent Administrative Handbook February, 2012. MetLife Rate Card General Agent Administrative Handbook Rate Card Process For Indiana, Ohio and West Virginia 1 Table of Contents MetLife Contacts.3 Products & Plan Designs......4 Underwriting

More information

Brokers Expand your Horizon

Brokers Expand your Horizon 1 Benefit Technology Resources, LLC Your Resource for HR Technology Selden Beattie Benefit Advisors Strategic Benefits Consultants Brokers Expand your Horizon TODAY S AGENDA 2 1 Workshop Overview 4 Healthcare

More information

TRUSTMARK LIFE INSURANCE COMPANY Application for Insurance Coverage

TRUSTMARK LIFE INSURANCE COMPANY Application for Insurance Coverage Underwritten by Employer Information Full legal name of EMPLOYER TRUSTMARK LIFE INSURANCE COMPANY Application for Insurance Coverage Application is hereby made to Trustmark Life Insurance Company ( Company

More information

REQUEST FOR PROPOSALS: JANUARY 1, 2016 EFFECTIVE DATE

REQUEST FOR PROPOSALS: JANUARY 1, 2016 EFFECTIVE DATE RE: DENVER WATER REQUEST FOR PROPOSALS: JANUARY 1, 2016 EFFECTIVE DATE Basic Life and AD&D Voluntary Life and AD&D Short Term Disability Long Term Disability DATE: March 9, 2015 PLEASE PROVIDE A PROPOSAL(S)

More information

ACAP Guide to ACA Fees and Taxes for Health Insurers

ACAP Guide to ACA Fees and Taxes for Health Insurers Introduction ACAP Guide to ACA Fees and Taxes for Health Insurers Since being signed into law in March of 2010, the Patient Protection and Affordable Care Act (ACA) has introduced a wide range of health

More information

Request For Information. 928 South Ninth Street Springfield, IL 62703-2497 REQUEST FOR INFORMATION GROUP HEALTH BENEFITS RFI-2015-08

Request For Information. 928 South Ninth Street Springfield, IL 62703-2497 REQUEST FOR INFORMATION GROUP HEALTH BENEFITS RFI-2015-08 928 South Ninth Street Springfield, IL 62703-2497 REQUEST FOR INFORMATION GROUP HEALTH BENEFITS RFI-2015-08 RESPONSES DUE: Friday, September 25, 2015 THIS IS NOT A SOLICITATION Page 1 of 7 TABLE OF CONTENTS

More information

Healthcare Reform Provisions Unique to Small Employers/Financial and Other Benefits Concerns for All Employers (updated May 2, 2014)

Healthcare Reform Provisions Unique to Small Employers/Financial and Other Benefits Concerns for All Employers (updated May 2, 2014) /Financial and Other Benefits Concerns for All Employers (updated May 2, 2014) Lisa L. Carlson, J.D., Area Senior Vice President, Compliance Counsel Gallagher Benefit Services, Inc. While most healthcare

More information

The Commonwealth Health Insurance Connector Authority Brokerage Terms and Conditions Addendum for Non-Group Enrollments through the Health Connector

The Commonwealth Health Insurance Connector Authority Brokerage Terms and Conditions Addendum for Non-Group Enrollments through the Health Connector The Commonwealth Health Insurance Connector Authority Brokerage Terms and Conditions Addendum for Non-Group Enrollments through the Health Connector These Non-Group Terms and Conditions ( Non-Group Addendum

More information

New York COBRA Continuation Coverage Q&A

New York COBRA Continuation Coverage Q&A New York COBRA Continuation Coverage Q&A IMPORTANT NOTE: All statements contained in this Q&A document are for informational purposes only and should not be viewed as either legal or income tax advice.

More information

Affordable Care Act (ACA) Frequently Asked Questions

Affordable Care Act (ACA) Frequently Asked Questions Grandfathered policies Q1: What is grandfathered health plan coverage? A: The interim final rule on grandfathering under ACA generally defines grandfathered health plan coverage as coverage provided by

More information

Self-insured Plans under Health Care Reform

Self-insured Plans under Health Care Reform Brought to you by Good Neighbor Insurance Self-insured Plans under Health Care Reform The Affordable Care Act (ACA) includes numerous reforms affecting the health coverage that employers provide to their

More information

W-2 Reporting Bulletin

W-2 Reporting Bulletin The Affordable Care Act requires employers to report the cost of coverage under an employersponsored group health plan on the employees Form W-2. [If you provide additional benefits under any other employer-sponsored

More information

REQUEST FOR PROPOSAL. Insurance Broker Services. Property Liability Casualty Fleet Workers Compensation

REQUEST FOR PROPOSAL. Insurance Broker Services. Property Liability Casualty Fleet Workers Compensation 925 Felix Street St. Joseph, MO 64501 Telephone: 816-671-4000 Fax: 816-671-4469 REQUEST FOR PROPOSAL Insurance Broker Services Property Liability Casualty Fleet Workers Compensation CONTACT: RESPONSE DUE:

More information

Self-insured Plans under Health Care Reform

Self-insured Plans under Health Care Reform Brought to you by Cottingham & Butler Self-insured Plans under Health Care Reform The Affordable Care Act (ACA) includes numerous reforms affecting the health coverage that employers provide to their employees.

More information

Clinton County Regional Educational Service Agency Request for Proposal Broker for Employee Health Insurance

Clinton County Regional Educational Service Agency Request for Proposal Broker for Employee Health Insurance Clinton County Regional Educational Service Agency Request for Proposal Broker for Employee Health Insurance I. General Information A. Purpose The purpose of this request for proposal is to solicit and

More information

WHEN YOU RE CONSIDERING SELF-FUNDING

WHEN YOU RE CONSIDERING SELF-FUNDING WHEN YOU RE CONSIDERING SELF-FUNDING PO Box 44365 Madison, Wisconsin 53744-4365 800.223.4139 608.276.6620 www.the-alliance.org This is a general information pamphlet and discussion guide on self-funding

More information

Houston Independent School District Life, AD&D and Disability Insurance Plans. Project 16-02-03

Houston Independent School District Life, AD&D and Disability Insurance Plans. Project 16-02-03 Subject: ADDENDUM 3 RESPONSE TO ADDITIONAL VENDOR QUESTIONS Date: March 11, 2016 This addendum is issued to explain, modify or correct the original Request for Proposals document. This addendum and any

More information

Total Rewards for Employees

Total Rewards for Employees Total Rewards for Employees Xcel Energy provides Total Rewards to employees: Pay for Time Off 9 % Other Cash Compensation 4 % Health and Welfare Benefits 17 % 60 % Base Compensation Retirement Benefits

More information

Survey: 2014-15 C&B Trucking Industry Benchmark Survey - -

Survey: 2014-15 C&B Trucking Industry Benchmark Survey - - Survey: 2014-15 C&B Trucking Industry Benchmark Survey - - Welcome to the 2014-15 Trucking Benchmark Survey Please complete all sections of this survey as they apply to your company's current employee

More information

Managing Employer Fiduciary Issues for 401k and 403b Plan Sponsors in 2013

Managing Employer Fiduciary Issues for 401k and 403b Plan Sponsors in 2013 Managing Employer Fiduciary Issues for 401k and 403b Plan Sponsors in 2013 Questions and Answers from Verisight s Presentation, January 30 th, 2013 What is the difference between a qualified plan and a

More information

DeKalb County Departme. April 28, 2016. Request for (Annual with. Services

DeKalb County Departme. April 28, 2016. Request for (Annual with. Services DeKalb County Departme ent of Purchasing and Contracting April 28, 2016 TO: ALL RESPONDE ERS UNDER REQUEST FOR QUOTES 3003536 FROM: Department of Purchasing and Contracting, DeKalb County ADDENDUM NO.

More information

Will Electric Aggregation Group. Electric Aggregation Plan of Operation and Governance. Will County Governmental League

Will Electric Aggregation Group. Electric Aggregation Plan of Operation and Governance. Will County Governmental League Will Electric Aggregation Group Electric Aggregation Plan of Operation and Governance Will County Governmental League 1 Electrical Aggregation Plan of Operation and Governance Enacted in August of 2007,

More information

REQUEST FOR QUALIFICATIONS FOR INSURANCE BROKER (AGENT) SERVICES

REQUEST FOR QUALIFICATIONS FOR INSURANCE BROKER (AGENT) SERVICES REQUEST FOR QUALIFICATIONS FOR INSURANCE BROKER (AGENT) SERVICES PROPOSED INSURED: Kootenai County Fire & Rescue P.O. Box 2200 Post Falls, ID 83877 PROPOSAL CONTACT: Ron Sampert, Chief Samantha Babich,

More information

Frequently Asked Questions State and Federal Coverage Expansion For Older Age Children August 31, 2010

Frequently Asked Questions State and Federal Coverage Expansion For Older Age Children August 31, 2010 Frequently Asked Questions State and Federal Coverage Expansion For Older Age Children August 31, 2010 Both the federal government, through the Affordable Care Act, and the state government, through the

More information

Self-Insured Health Plans for Beginners. 2011, Coastal Management Services

Self-Insured Health Plans for Beginners. 2011, Coastal Management Services Self-Insured Health Plans for Beginners Funding: Funding is simply the means by which an employer pays for employee benefit programs The funding spectrum can range from Fully Insured (premium payment)

More information

ROCKINGHAM COUNTY GOVERNMENTAL CENTER Purchasing Office

ROCKINGHAM COUNTY GOVERNMENTAL CENTER Purchasing Office ROCKINGHAM COUNTY GOVERNMENTAL CENTER Purchasing Office Rockingham County Government REQUEST FOR PROPOSALS INSURANCE BROKERS / CONSULTANTS RFP #15-07 Rockingham County Government is seeking bidders from

More information

A Guide to Working with Delta Dental of Minnesota. A Reference Manual for Brokers

A Guide to Working with Delta Dental of Minnesota. A Reference Manual for Brokers A Guide to Working with Delta Dental of Minnesota A Reference Manual for Brokers TABLE OF CONTENTS Welcome to Delta Dental of Minnesota 2 Who To Contact 3 Web Site 4 Agent of Record 5 Commissions 6 HIPAA

More information

Request for Proposals (RFP) Evaluation of the 401(a) and/or 403(b) Providers

Request for Proposals (RFP) Evaluation of the 401(a) and/or 403(b) Providers Request for Proposals (RFP) Evaluation of the 401(a) and/or 403(b) Providers RFP Release: February 26, 2015 Proposals Due: March 20, 2015 1. Overview and Scope Pursuant to Ohio Revised Code 3305.03, the

More information

Request for Proposal Insurance Broker Agent of Record

Request for Proposal Insurance Broker Agent of Record Request for Proposal Insurance Broker Agent of Record Request for proposal (RFP) for selecting Insurance Agent/Broker Agent of Record for the City of Dodge City (CITY), for the City s Commercial Insurance

More information

SMALL GROUP HEALTH BENEFIT SOLUTIONS. ROANOKE 6701 Peters Creek Rd., Ste 101. CHARLOTTESVILLE 1000 Research Park Blvd., Ste 200

SMALL GROUP HEALTH BENEFIT SOLUTIONS. ROANOKE 6701 Peters Creek Rd., Ste 101. CHARLOTTESVILLE 1000 Research Park Blvd., Ste 200 SMALL GROUP HEALTH BENEFIT SOLUTIONS RICHMOND 9881 Mayland Dr. CHARLOTTESVILLE 1000 Research Park Blvd., Ste 200 ROANOKE 6701 Peters Creek Rd., Ste 101 Coventry Health Care is a registered trade name of

More information

Small Group Application

Small Group Application Small Group Application Attention: Group Enrollment Department 2200 Northern Boulevard, Suite 104, East Hills, NY 11548 855-706-7545 www.careconnect.com Group Information I. Full Legal Name of Group: II.

More information

Your Fermilab Benefit Plans. Ann Marie Matthei 2015 New Hire Orientation

Your Fermilab Benefit Plans. Ann Marie Matthei 2015 New Hire Orientation Your Fermilab Benefit Plans Ann Marie Matthei 2015 New Hire Orientation Your Fermilab Benefits Medical and Prescription Drug Coverage Dental Plans Medical and Dental Plan Rates Additional Programs from

More information

Medical College of Wisconsin Affiliated Hospitals WPS HEALTH INSURANCE ENROLLMENT FORM

Medical College of Wisconsin Affiliated Hospitals WPS HEALTH INSURANCE ENROLLMENT FORM Medical College of Wisconsin Affiliated Hospitals WPS HEALTH INSURANCE ENROLLMENT FORM Mail Completed Enrollment Form to: MCWAH, 8701 Watertown Plank Road, Milwaukee, WI 53226 OR FAX Completed Enrollment

More information

2015 Annual Open Enrollment Period Monday, November 3, 2014 Friday, December 5, 2014

2015 Annual Open Enrollment Period Monday, November 3, 2014 Friday, December 5, 2014 TO: All Benefits-Eligible s FROM: Shelly Ruocco, Associate Vice President for Human Resources DATE: November 3, 2014 SUBJECT: 2015 Annual Open Enrollment Period Monday, November 3, 2014 Friday, December

More information

Internal Revenue Service

Internal Revenue Service Internal Revenue Service Number: 201350032 Release Date: 12/13/2013 Index Numbers: 61.53-00, 79.00-00 ----------------------- --------------------------- ---------------- Department of the Treasury Washington,

More information

Health Reform: A Guide for Employers

Health Reform: A Guide for Employers Updated with information on the Supreme Court health reform decision July 2012 Health Reform: A Guide for Employers Simple answers to health reform s complex issues facing every employer and what you can

More information

Please complete in blue or black ink only. Section A: Employee Information Last name First name M.I. Social Security no.

Please complete in blue or black ink only. Section A: Employee Information Last name First name M.I. Social Security no. Employee Enrollment Application For 2 50 Employee Small s Virginia care plans offered by Anthem Blue Cross and Blue Shield and Keepers, Inc. PPO health care plans are insurance products offered by Anthem

More information

HEALTH NET LIFE COMMERICAL BUSINESS LIFE UNDERWRITING GUIDELINES

HEALTH NET LIFE COMMERICAL BUSINESS LIFE UNDERWRITING GUIDELINES HEALTH NET LIFE COMMERICAL BUSINESS LIFE UNDERWRITING GUIDELINES Many of the Underwriting Guidelines are included in the LifeAQS Rating System to address basic rules requiring referral of quotes to Underwriting.

More information

Plan Member Privacy Information Package

Plan Member Privacy Information Package Plan Member Privacy Information Package This Privacy Information Package was developed to help you, as a group plan member, understand why Manulife s Group Benefits collects your personal information,

More information

Exchanges and the ACA What You Need to Know for 2014

Exchanges and the ACA What You Need to Know for 2014 Exchanges and the ACA What You Need to Know for 2014 How the Affordable Care Act affects the Individual Health Insurance Market This presentation is for informational purposes only and does not constitute

More information

AFFORDABLE CARE ACT REPORTING

AFFORDABLE CARE ACT REPORTING AFFORDABLE CARE ACT REPORTING Introduction The Affordable Care Act (ACA) requires the State of Missouri to offer health insurance to full time equivalent employees. The ACA also generally requires individual

More information