UNSPSC 64122201: Individual dental insurance policy

A type of commercial risk management contract, in the form of a policy, that protects individuals against the risk of damage due to dental related conditions and maladies

UNSPSC 64122201 Individual dental insurance policy is a Commodity code. State and local governments procure dental coverage under this code primarily as a component of broader health benefits packages offered to employees, retirees, and covered dependents. Recent solicitations show that dental is commonly bundled with medical, vision, and ancillary benefits in comprehensive RFPs; when dental is specified separately, it typically takes the form of either fully-insured plans through carriers like Cigna, Delta Dental, and MetLife, or self-funded arrangements administered by third-party administrators. The issuing bodies span municipal governments, counties, independent school districts, transit authorities, and special-purpose districts across the country. Counties, cities, and school districts dominate recent activity, with repeat buyers including Pinellas County (Florida), Brevard County (Florida), various Texas municipalities, and San Mateo County (California). The scope of work covers plan design, network management, claims administration, member support services, and dental network access across PPO and DHMO plan options.

Activity clusters heavily in Florida, Texas, Georgia, and California, with scattered solicitations in Arizona, Oregon, Pennsylvania, South Carolina, and New Mexico. Representative recent opportunities include Pinellas County's RFP for employee benefits concierge and health navigation services (including dental as a component through Cigna, RFP 26-0251, due March 5, 2026); Brevard County's RFP for group life, disability, and supplemental health benefits (RFP 1-26-12, due July 28, 2026, with current annual premiums for mandatory lines at $2.1 million); the City of Pflugerville, Texas procurement for fully insured medical, dental, vision, FSA, HRA, HSA, and COBRA (RFP 2026-028, due September 22, 2026); and San Mateo County's dental services RFP (RFP 2026RFP00374, due April 3, 2026, covering approximately 16,000 covered lives across PPO and DHMO plans). Dental plans are consistently evaluated on network adequacy, cost, plan design flexibility, claims processing speed, and provider continuity with incumbents, with typical contract terms spanning three to five years and renewal options ranging from one to four additional years.