UNSPSC 64122202: Group 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 64122202 Group dental insurance policy is a Commodity code. State and local governments buy dental insurance coverage under this code through fully insured group dental plans, typically as part of comprehensive employee benefits packages. Recent solicitations show municipalities, counties, school districts, and special authorities procurement dental benefits alongside medical, vision, and ancillary coverages for active employees, retirees, and eligible dependents. Scope varies from standalone dental PPO plans with tiered premium structures to integrated dental components within broader benefits renewals. Work being solicited includes plan design and premium rating for multiple coverage tiers (Employee Only through Employee + Family), claims processing integration with existing benefits administration platforms, network management across specified geographic service areas, and compliance with federal regulations including HIPAA and ACA requirements. The City of Edinburgh, Texas RFP 2026018 for group employee medical insurance (posted July 15, 2026, due August 4, 2026) includes dental as part of a self-funded and fully insured proposal structure; Okaloosa County, Florida RFP RM 3726 (posted April 24, 2026, due April 24, 2026) specifically solicits Dental PPO coverage on a fully insured basis for active employees and retirees; and Athens-Clarke County, Georgia RFP 26035 (posted April 10, 2026, due May 14, 2026) seeks fully insured dental benefits for approximately 2,300 covered lives with four-tier premium rates and claims repricing analysis. Issuing bodies include county governments, municipalities, school districts, and special-purpose health authorities. Geographic activity concentrates in Texas, Georgia, and Florida, with additional recent activity in Colorado, Arizona, and other states across the recent-opportunities block.

Dental insurance procurement under this code does not stand alone—it consistently appears bundled with medical plan renewals and broader benefits strategy efforts. Municipalities and school districts typically evaluate dental alongside medical, vision, disability, and life insurance in single RFP cycles, often managed by shared brokers of record and evaluated for rate stability, network adequacy, and integration with payroll and enrollment systems. Pricing is commonly submitted on a net-of-commission basis with multi-year rate guarantees, and carriers must demonstrate financial stability through AM Best ratings of A-7 or higher. Performance guarantees and utilization reporting are standard requirements. The code sees steady but not concentrated activity—dental is a mature commodity where procurement follows predictable annual renewal cycles, with most opportunities posted in April through June as government entities plan for plan year changes effective July through December. Set-asides and preferences vary by jurisdiction; some solicitations include HUB (Historically Underutilized Business) subcontracting plan requirements, while others specify no targeted set-asides. Incumbent carriers frequently renew, suggesting modest vendor churn and established relationships, though recompeted procurements remain common when cost pressures or service issues drive change. This code represents steady, recurring demand across a broad buyer base but with limited high-visibility innovation or technology-driven differentiation in recent solicitations.