Solicitation_LE Staff Health Insurance.docx

OFFER AND AWARD

1. THIS CONTRACT IS A RATED ORDER

UNDER DPAS (15 CFR 350)

1 | 92

2. CONTRACT (Proc. Inst. Ident.) NO.

3. SOLICITATION NO.

19BA3026R0001

4. TYPE OF SOLICITATION

[ ] SEALED BID (IFB)

[x] NEGOTIATED (RFP)

5. DATE ISSUED

02/06/2026

6. REQUISITION/PURCHASE NO.PR15820344

American Embassy Manama Phone: 17242724 Fax: 17242724

NOTE: In sealed bid solicitation "offer" and "offeror” mean "bid" and "bidder".

SOLICITATION

CAUTION - LATE Submissions, Modifications, and Withdrawals: See Section L. Provision No. 52.215-1. All offers are subject to all terms and conditions contained in this solicitation.

Geji Joseph

B. TELEPHONE

(NO COLLECT CALLS)

AREA CODE NUMBER EXT (+973) 1724 2724

C. E-MAIL ADDRESS

ManamaGSOprocurement@state.gov

11. TABLE OF CONTENTS

PART IV - REPRESENTATIONS AND INSTRUCTIONS

OTHER STATEMENTS OF OFFERORS

OFFER (Must be fully completed by offeror)

NOTE: ITEM 12 does not apply if the solicitation includes the provisions at 52.214-16, Minimum Bid Acceptance Period.

12. In compliance with the above, the undersigned agrees, if this offer is accepted within calendar days (120 calendar days unless a different period is inseted by the offer) from the date for receipt of offers specified above, to furnish any or all items upon which prices are offered at the price set opposite each item, delivered at the designated point(s), within the time specified in the schedule.

13. DISCOUNT FOR PROMPT PAYMENT SEE 14

(See section I, Clause No 52.232-8)

(The offeror acknowledges receipt of amendments to the solicitation and related documents ) numbered and dated:

FACILITY

16. NAME AND TITLE OF PERSON AUTHORIZED

AND ADDRESS

OF OFFEROR

TO SIGN OFFER (Type or print)

15B. TELEPHONE NO. (Include area code)

AWARD (To be completed by Government)

19. ACCEPTED AS TO ITEM NUMBERED

22. AUTHORITY FOR USING OTHER THAN FULL AND OPEN COMPETITION:

[ ] 10 U.S.C. 2304(c)( ) [ ] 41 U.S.C. 253(c)( )

23. SUBMIT INVOICES TO ADDRESS SHOWN IN

(4 copies unless otherwise specified)

ITEM

24. ADMINISTRATION BY (If other than Item 7) CODE

25. PAYMENT WILL BE MADE BY CODE

26. NAME OF CONTRACTING OFFICER (Type or print) Sean T. Daniels

27. UNITED STATES OF AMERICA

(Signature of Contracting Officer)

28. AWARD DATE

IMPORTANT - Award will be made on this form, or on the Standard Form 26, or by other authorized official written notice.

NSN 7540-01-152-8064 STANDARD FORM 33 (REV 9-97)

SECTION B

PART I: PRICE - HEALTH INSURANCE

JAMES ZADROGA 9/11 VICTIMS HEALTH AND COMPENSATION ACT OF 2010 NOTICE: UNLESS A WAIVER OR EXCEPTION APPLIES, PAYMENTS SUBSEQUENT TO THIS PROCUREMENT ARE SUBJECT TO AN EXCISE TAX OF 2% PERSUANT TO 26 U.S.C. 5000C.

B.1. HEALTH INSURANCE SERVICES - GENERAL

The Contractor shall provide the Health Insurance services to employees of the Government of the United States of America in Bahrain as described in Section C and the Exhibits in Section J.

The government would like to have two Plans (Plan 1 – as described in C.1 and Plan 2 – as described in C.2); enrollment in each plan will be determined by the employee’s start date.

Health Insurance Premium Contributions

1. Employees Hired Prior to May 2026: Employees pay a 10% copay.

2. Employees Hired After May 2026 (or under the contract resulting from this solicitation): Employees pay a 20% copay.

Benefit Levels:

All employees, regardless of hire date or premium contribution level, will receive the same health insurance benefit coverage.

The specific health benefit coverage under this contract is set forth in Section C and the Exhibits in Section J.

The groups of employees who shall be provided with this insurance are listed in C.1.3 (medical). This insurance shall be provided in accordance with Section C and the Exhibits in Section J.

B.1.1. RIDER

Official Residence Expense (ORE) Staff are included under this contract only as a rider; the Contractor shall bill the Chief of Mission and Deputy Chief of Mission for ORE Staff. See Section G for billing procedures.

B.1.2. Value Added Tax.

The Contractor shall include VAT as a separate charge on the Invoice and as a separate line item in Section B.

B.1.3 This is a firm, fixed price with economic price adjustment requirements type contract under which will be issued firm, fixed-price task orders. The firm, fixed prices/premium rates for the health insurance services as specified in Section C are as follows:

HEALTH INSURANCE PLAN – 1

Prices:

CLIN 0001 Base Year of Contract (NAICS Code 524114)

Bi-Weekly Rates per Employee

Category Estimated Number of Employees

Rate per Employee

Bi-Weekly Total

SUBCLIN A. Single Employees (Self Only)

SUBCLIN B. Self Plus One

Subtotal (A + B + C)

SUBCLIN D. Valure Added Tax (VAT)

Total Price (A+B+C+D)

CLIN 0001 Total Price for Base Year (f*26)

*estimated number of premiums does not include any Riders (B.1.1) **does not include any premiums for Riders.

Rider Category – Base Year of Contract (NAICS Code 524114)

Rider Category*** NAICS 524114)

Rate per Employee

VAT

Total Bi-Weekly Rate per Premium

A Single Employee (Self Only)

B. Self Plus One

C. Family Plan

***not included in the Total Price for Base Year Calculation CLIN 1001 First Option Year of Contract (NAICS Code 524114)

Bi-Weekly Rates per Employee

Estimated Number of Employees

Rate per Employee

Bi-Weekly Total

SUBCLIN A. Single

SUBCLIN B. Self Plus One

Subtotal (A + B + C)

SUBCLIN D. Valure Added Tax (VAT)

Total Price (A+B+C+D)

CLIN 1001 Total Price for First Option Year (f*26)

Rider Category –First Option Year of Contract (NAICS Code 524114)

Rider Category*** (NAICS 524114)

Rate per Employee

VAT

Total Bi-Weekly Rate per Premium

A. Single Employee (Self Only)

B. Self Plus One

C. Family Plan

***not included in the Total Price for First Option Year Calculation

CLIN 2001 Second Option Year of Contract (NAICS Code 524114)

Bi-Weekly Rates per Employee

Estimated Number of Employees

Rate per Employee

Bi-Weekly Total

SUBCLIN A. Single

SUBCLIN B. Self Plus One

Subtotal (A + B + C)

SUBCLIN D. Valure Added Tax (VAT)

Total Price (A+B+C+D)

CLIN 2001 Total Price for Second Option Year (f*26)

Rider Category –Second Option Year of Contract (NAICS Code 524114)

Rider Category*** (NAICS 524114)

Rate per Employee

VAT

Total Bi-Weekly Rate per Premium

A. Single Employee (Self Only)

B. Self Plus One

C. Family Plan

***not included in the Total Price for Second Option Year Calculation

OFFERORS: Offerors are encouraged to complete the following pricing table for price evaluation purposes and FAR Clause 52.217-8 Option to Extend Services for 6 months. The cost/price information provided will be used to evaluate the total price for all options (52.217-5) and the total price for the basic requirement ONLY. The price offered in the table below will not be included in the total contract award amount; however, if you choose not to provide any cost/price information for each Line Item below, your Price Proposal will be considered incomplete, labeled as failure to follow instructions, and no further consideration will be given.

CLIN 3001 52.217-8 Option To Extend Services 6 Months (NAICS Code 524114)

Bi-Weekly Rates per Employee

Estimated Number of Employees

Rate per Employee

Bi-Weekly Total

SUBCLIN A. Single

SUBCLIN B. Self Plus

Subtotal (A + B + C)

SUBCLIN D. Valure Added Tax (VAT)

Total Price (A+B+C+D)

CLIN 3002 Total Price 52.217-8 Option to Extend Services (f*13)

Rider Category - 52.217-8 Option to Extend Services 6 Months (NAICS Code 524114)

Rider Category*** NAICS 524114)

Rate per Employee

VAT

Total Bi-Weekly Rate per Premium

A. Single Employee (Self Only)

B. Self Plus One

C. Family Plan

MINIMUM AND MAXIMUM AMOUNTS

During the Base Year of the contract, and during the option year that might be exercised, the United States Government (USG) shall place orders totaling a minimum of $1000 USD. This reflects the contract minimum guarantee for each period of performance. The amount of all orders, for base and all option years shall not exceed TBD. This reflects the contract maximum.

B.3 ADMINISTRATIVE RETENTION AMOUNTS

B.3.1 If the Contractor requests a price adjustment under B.4 below, the Contractor must present cost experience data that includes the retention amount. For purposes of any economic price adjustment, this retention amount is a fixed amount that is a part of the premium amounts in B.2. This retention amount will not be adjusted for any reason.

The retention amount is part of the premium and may include, but not be limited to, such costs as overhead and general and administrative costs. It will also include any profit. Essentially, it includes all costs except the actual portion of the premium intended to fund claims paid to the health care provider/claimant. B.3.2 sets forth the retention amounts per premium paid for each category of premium and for each period of performance.

NOTE TO OFFEROR: Fill in the fixed bi-weekly retention amounts for each period of performance and for each category of premium. This fixed amount must be expressed in the currency in which the premium amount is proposed. The fixed retention amount shall NOT be expressed in terms of a percentage of the premium.

B.3.2 Bi-Weekly Retention Amounts per separate premium paid per single employee and per family plan.

(Self Only)

Base Period

First Option Year

Second Option Year

Six Months Extension of Service as per FAR 52.217-8

B.4. ECONOMIC PRICE ADJUSTMENT-HEALTH INSURANCE PREMIUMS

B.4.1. Premium Adjustment Based on Experience - For health insurance, prices may be adjusted upward or downward based on the experience rating of the Mission(s) covered by this contract, and it specifically excludes all riders in B.1.1. No adjustment will be allowed during the first twelve months. After such time, the Contractor or the Government may request an adjustment in premiums on an annual basis. Adjustments are not retroactive to previous contract terms. Before any such adjustment is made, the Contractor agrees to provide the Government a balance sheet showing three main components for the time period: (1) receipts (premiums received) minus the retention amount, (2) number of insurance plans and (3) claims paid. This information shall be provided per type of premium, i.e. per line item. The retention amount is not subject to adjustment. The Government reserves the right to have an independent third party review the balance sheet and claims and make recommendations regarding the appropriateness of the requested adjustment. Any adjustment shall be subject to mutual agreement of the parties and shall result in a written modification to the contract. Mutually agreed to adjustments shall be effective thirty days after complete information is received by the Government. Any failure to reach agreement under this clause shall be subject to the procedures in the Disputes clause.

B.4.2. Premium Adjustment Based on Laws - The rates may also be adjusted during the performance period of the contract as a result of laws enacted by the host Government, if such change in the laws has a direct impact on the cost to the Contractor to perform this contract at the contracted rate. In that event, the Contracting Officer may enter into negotiations with the Contractor to modify the contract to adjust the premium rate. The Contractor agrees to provide all documentation necessary to support any requested adjustment.

HEALTH INSURANCE SERVICES -PLAN 2

For all employees hired after the implementation of the contract resulting from this solicitation, or from May 1, 2026, employees will pay a 20% copay. Health insurance protection will be representative of locally prevailing compensation practice as further described in C.2.2. The specific health benefit coverage for Plan B under this contract is set forth in Section C.2.

Prices:

CLIN 0002 Base Year of Contract (NAICS Code 524114) – Plan 2

Bi-Weekly Rates per Employee

Estimated Number of Employees

Rate per Employee

Bi-Weekly Total

SUBCLIN A. Single

SUBCLIN B. Self Plus

SUBCLIN C. Family Plan

Subtotal (A + B + C)

SUBCLIN D. Valure Added Tax (VAT)

Total Price (A+B+C+D)

CLIN 0002 Total Price for Base Year (f*26) Plan 2

– Rider Category – Base Year of Contract (NAICS Code 524114) Plan 2

Rider Category*** (CLIN 0003, NAICS 524114)

Rate per Employee

VAT

Total Bi-Weekly Rate per Premium

A. Single Employee (Self Only)

B. Self Plus One

C. Family Plan

***not included in the Total Price for Base Year Calculation

CLIN 1002 First Option Year of Contract (NAICS Code 524114) Plan 2

Bi-Weekly Rates per Employee

Estimated Number of Employees

Rate per Employee

Bi-Weekly Total

SUBCLIN A. Single

SUBCLIN B. Self Plus

SUBCLIN C. Family Plan

Subtotal (A + B + C)

SUBCLIN D. Valure Added Tax (VAT)

Total Price (A+B+C+D)

CLIN 1001 Total Price for First Option Year (f*26) Plan 2

Rider Category –First Option Year of Contract (NAICS Code 524114) Plan 2

Rider Category*** (CLIN 1003, NAICS 524114)

Rate per Employee

VAT

Total Bi-Weekly Rate per Premium

SUBLIN A. Single Employee (Self Only)

SUBCLIN B. Self Plus One

SUBCLIN C. Family Plan

***not included in the Total Price for First Option Year Calculation

CLIN 2002 Second Option Year of Contract (NAICS Code 524114) Plan 2

Bi-Weekly Rates per Employee

Estimated Number of Employees

Rate per Employee

Bi-Weekly Total

SUBCLIN A. Single

SUBCLIN B. Self Plus

SUBCLIN C. Family Plan

Subtotal (A + B + C)

SUBCLIN D. Valure Added Tax (VAT)

Total Price (A+B+C+D)

CLIN 2001 Total Price for Second Option Year (f*26) Plan 2

Rider Category –Second Option Year of Contract (NAICS Code 524114) Plan 2

Rider Category*** (CLIN 2003, NAICS 524114)

Rate per Employee

VAT

Total Bi-Weekly Rate per Premium

A. Single Employee (Self Only)

B. Self Plus One

SC. Family Plan

***not included in the Total Price for Second Option Year Calculation

OFFERORS: Offerors are encouraged to complete the following pricing table for price evaluation purposes and FAR Clause 52.217-8 Option to Extend Services for 6 months. The cost/price information provided will be used to evaluate the total price for all options (52.217-5) and the total price for the basic requirement ONLY. The price offered in the table below will not be included in the total contract award amount; however, if you choose not to provide any cost/price information for each Line Item below, your Price Proposal will be considered incomplete, labeled as failure to follow instructions, and no further consideration will be given.

CLIN 3002 52.217-8 Option To Extend Services 6 Months (NAICS Code 524114) Plan 2

Bi-Weekly Rates per Employee

Estimated Number of Employees

Rate per Employee

Bi-Weekly Total

SUBCLIN A. Single

SUBCLIN B. Self Plus

SUBCLIN C. Family Plan

Subtotal (A + B + C)

SUBCLIN D. Valure Added Tax (VAT)

Total Price (A+B+C+D)

CLIN 3001 Total Price 52.217-8 Option to Extend Services (f*13) Plan 2

Rider Category - 52.217-8 Option to Extend Services 6 Months(NAICS Code 524114)

Rider Category*** (NAICS 524114)

Rate per Employee

VAT

Total Bi-Weekly Rate per Premium

A. Single Employee (Self Only)

B. Self Plus One

C. Family Plan

B.3. ADMINISTRATIVE RETENTION AMOUNTS

B.3.1 If the Contractor requests a price adjustment under B.4 below, the Contractor must present cost experience data that includes the retention amount. For purposes of any economic price adjustment, this retention amount is a fixed amount that is a part of the premium amounts in B.2. This retention amount will not be adjusted for any reason.

The retention amount is part of the premium and may include, but not be limited to, such costs as overhead and general and administrative costs. It will also include any profit. Essentially, it includes all costs except the actual portion of the premium intended to fund claims paid to the health care provider/claimant. B.3.2 sets forth the retention amounts per premium paid for each category of premium and for each period of performance.

NOTE TO OFFEROR: Fill in the fixed bi-weekly retention amounts for each period of performance and for each category of premium. This fixed amount must be expressed in the currency in which the premium amount is proposed. The fixed retention amount shall NOT be expressed in terms of a percentage of the premium.

B.3.2 Bi-Weekly Retention Amounts per separate premium paid per single employee and per family plan.

(Self Only)

Base Period

First Option Year

Second Option Year

Six Months Extension of Service as per FAR 52.217-8

B.4. ECONOMIC PRICE ADJUSTMENT-HEALTH INSURANCE PREMIUMS

B.4.1. Premium Adjustment Based on Experience - For health insurance, prices may be adjusted upward or downward based on the experience rating of the Mission(s) covered by this contract, and it specifically excludes all riders in B.1.1. No adjustment will be allowed during the first twelve months. After such time, the Contractor or the Government may request an adjustment in premiums on an annual basis. Adjustments are not retroactive to previous contract terms. Before any such adjustment is made, the Contractor agrees to provide the Government a balance sheet showing three main components for the time period: (1) receipts (premiums received) minus the retention amount, (2) number of insurance plans and (3) claims paid. This information shall be provided per type of premium, i.e. per line item. The retention amount is not subject to adjustment. The Government reserves the right to have an independent third party review the balance sheet and claims and make recommendations regarding the appropriateness of the requested adjustment. Any adjustment shall be subject to mutual agreement of the parties and shall result in a written modification to the contract. Mutually agreed to adjustments shall be effective thirty days after complete information is received by the Government. Any failure to reach agreement under this clause shall be subject to the procedures in the Disputes clause.

B.4.2. Premium Adjustment Based on Laws - The rates may also be adjusted during the performance period of the contract as a result of laws enacted by the host Government, if such change in the laws has a direct impact on the cost to the Contractor to perform this contract at the contracted rate. In that event, the Contracting Officer may enter into negotiations with the Contractor to modify the contract to adjust the premium rate. The Contractor agrees to provide all documentation necessary to support any requested adjustment.

B.4.2.1 Employee Pool – This clause is only in effect if the Contractor included details in its offer regarding a pooling arrangement, of which this contract is a part.

Before any adjustment is made under this price adjustment clause, the Contractor must include in its proposal for adjustment, details setting forth how the pool impacts the request for equitable adjustment.

SECTION C

DESCRIPTION/SPECIFICATION/WORK STATEMENT

PART I - HEALTH INSURANCE

C.1. HEALTH INSURANCE SERVICES -PLAN 1

The Government of the United States of America requires Health Insurance coverage for its employees as further described in Section C.1 . The Government has determined that the prevailing practice by employers in Bahrain is to provide for their employees’ health insurance protection and that the cost of such insurance protection is usually borne by both the employee and the employer.

Health Insurance Premium Contributions:

1. Employees Hired Prior to May 2026: Employees will also pay a 10% copay.

Benefit Levels:

All employees, regardless of hire date or premium contribution level, will receive the same h.6

C.1.1 Employee and Dependent Health Services Benefits

C.1.1.1 Hospitalization (Treatment in the Hospital for Inpatient Care): - Minimum Coverage - 100% Services and supplies provided during hospitalization including services provided by a licensed healthcare provider, bed and board (semi-private accommodations), operating room, recovery room, intensive care, imaging and diagnostic testing, and general hospital nursing care, physical therapy, as well as drugs and medicines administered while in-patient. When private accommodations are provided; coverage will be limited to the cost of a semi-private room unless otherwise covered in an off-the-shelf plan.

See Mental Health and Substance Abuse Care (below) for details concerning inpatient psychiatric care.

See Outpatient Services (below) for details concerning professional services.

C.1.1.2 Emergency Services (Trips to Emergency Room): Minimum Coverage - 100% Services provided for conditions that could lead to serious disability or death if not immediately treated, such as accidents or sudden illness.

C1.1.3 Ambulance: Minimum Coverage - 90% Professional ground transport to move a patient from the place where s/he is injured or becomes ill to the nearest hospital able to provide treatment or to move a patient from one medical facility to another.

C.1.1.4 Outpatient Services: Minimum Coverage - 90% Services provided by a licensed healthcare provider on an ambulatory or outpatient basis (without being admitted to a hospital), including surgeon's fees and other medical services provided at a hospital, clinic, doctor's office, medical facility, etc. Examples include, but are not limited to:

- Annual physical examinations

- Specialist consultations and treatment, including second surgical opinion

- Minor surgical interventions

- Chemotherapy and radiation treatments

- Immunizations recommended by local authorities and/or the World Health Organization

- Diagnostic tests and diagnostic imaging

See Rehabilitative and Habilitative Services and Devices (below) for details concerning physical therapy.

See Mental Health and Substance Abuse Care (below) for details concerning psychiatric therapy.

C.1.1.5 Obstetric and Newborn Care: Inpatient/Emergency: 100% Minimum Coverage, Outpatient: 90% Minimum Coverage Care and services that women receive during pregnancy (prenatal care), throughout labor, delivery and post-delivery, and outpatient care for newborn babies. Hospitalization during pregnancy and/or delivery will be reimbursed as inpatient care. All other treatments will be considered outpatient services and will be reimbursed at that rate.

C.1.1.6 Pediatric Services: Inpatient/Emergency: 100% Minimum Coverage, Outpatient: 90% Minimum Coverage Primary and preventive routine care services for covered dependent children, including, but not limited to physical examinations, developmental assessments, laboratory tests, and immunizations recommended by local authorities and/or the World Health Organization.

C.1.1.7 Prescription Drugs: Inpatient/Emergency: 100% Minimum Coverage, Outpatient: 90% Minimum Coverage Medications prescribed by a licensed health care provider that are medically required. Examples include, but are not limited to prescription antibiotics to treat an infection, medication used to treat an ongoing condition, such as high cholesterol, prophylaxis, contraceptive medication.

C.1.1.8 Preventive and Wellness Services and Chronic Disease Management: Minimum Coverage - 90% Counseling or preventive care designed to prevent or detect medical conditions and care for chronic conditions such as asthma and diabetes. Examples include, but are not limited to physicals, immunizations, and cancer screenings.

C.1.1.9 Hearing Aids: Minimum Coverage - 90%

Examinations and Treatment: 90% Minimum Coverage

Hearing Aid Apparatus: Limited to one apparatus per ear up to a maximum of BHD 565.500 (USD 1,500.00) per covered individual per three-year period. 90% Minimum Coverage: with annual cap.

C.1.1.10 Optical Care: Minimum Coverage - 90%

Examinations and Treatment: 90% Minimum Coverage

Prescription lenses and frames, or contact lenses: Covered up to a maximum of BHD 113.100 (USD 300.00) per covered individual every two years. 90% Minimum Coverage; with annual cap.

C.1.1.11 Dental Care: Minimum Coverage - 90%

Examinations and Treatment: Dentist's fees, x-rays, examinations and treatment, cleanings, fillings, extractions, false teeth, crowns, and bridges up to a maximum of BHD 1,206.400 (USD 3,200.00) per covered individual per contract year. 90% Minimum Coverage: with annual cap.

Orthodontia: Treatment is covered only if treatment begins before age 18, or if required as the result of an accident. A maximum of four years of orthodontia treatment will be covered per covered individual up to a maximum of BHD 904.800 (USD 2,400.00) lifetime limit. 90% Minimum Coverage; with contract lifetime cap.

C.1.1.12 Reproductive Health: Minimum Coverage - 90% Prescribed contraceptive devices, preventive care and routine examinations, voluntary sterilization, and diagnosis and treatment of conditions which may cause infertility. Assisted reproductive technology (ART), fertility treatments, and reversal of sterilization are not covered (see Exclusions to Coverage).

C.1.1.13 Mental Health and Substance Abuse Care: Minimum Coverage - 50% Inpatient and outpatient care provided to evaluate, diagnose and treat a mental health condition or substance abuse disorder. This includes behavioral health treatment, counseling, and psychotherapy. Services must be provided by a licensed psychiatrist, psychoanalyst, psychologist, or psychiatric social worker. Inpatient care for alcohol and substance abuse must be provided at a facility licensed for detoxification and rehabilitation.

C.1.1.14 Rehabilitative and Habilitative Services and Devices: Minimum Coverage - 50% Rehabilitative services (e.g., recovering skills, such as speech therapy after a stroke or physical therapy after an accident) and habilitative services (e.g., developing skills, such as speech therapy for children, etc.) that help develop skills needed for everyday life. Devices to help gain or recover mental or physical skills lost due to injury, disability or a chronic condition, and devices needed for habilitative reasons.

C.1.1.15 HIV/AIDS: 100% up to USD 10,000.00 per contract year per covered individual Medications to suppress opportunistic infections (such as tuberculosis or toxoplasmosis for covered individuals who have HIV/AIDS). Brief courses of anti-retroviral drugs during childbirth to prevent the transmission of HIV/AIDS to the child. Generally, excludes medication for the long-term suppression of HIV/AIDS through the combination of antiretroviral drugs in locations with inadequate local healthcare infrastructures.

C1.1.16 Catastrophic Coverage - RESERVED

C.1.1.17 Out-of-Country Medical Treatment:

Medical expenses incurred out-of-country will be covered at the same benefit levels and subject to the same total maximum annual limit as for medical expenses incurred in-country.

C.1.2 Annual Maximum Limit - The maximum annual reimbursement per covered individual per contract year, not including expenses defined under Exclusions and Limitations (C.1.3) and, or those covered under C.1.1.15, HIV/AIDS, is equivalent to BHD 18,000.000

C.1.3 Exclusions and Limitations There is no coverage or reimbursement for elective cosmetic surgery; spa cures; rejuvenation cures; massage; exercise therapy; long-term rehabilitative therapy; non-medical hospital charges (e.g., telephone, television, etc.); home help, family help, or similar household assistance; fees of persons who are not certified health care providers; advanced reproductive technology (e.g., in-vitro fertilization, intra-cellular sperm injection, artificial insemination, microsurgical epididymal sperm aspiration, testicular sperm extraction, cryopreservation, etc.); or services or supplies which have not been prescribed or approved by a certified health care provider. Exclusions to coverage may be amended if provided in an off-the-shelf plan and is the lowest cost and technically acceptable. Removal of any exclusions require prior authorization.

There is no coverage for expenses that will be reimbursed or paid directly under a host country medical program or workers' compensation program, the U.S. workers' compensation program, or post's LE Staff workers' compensation program.

There is no reimbursement for out-of-country medical travel expenses.

C.1.4 Eligible Participants

C.1.4.1 Identification of Eligible Employees and Dependents: U.S. Embassy, Manama will provide a list of all eligible employees and dependents with relationship to employee (self/spouse/child) and DOB for each. Updates will be provided to add or remove individuals on a bi-weekly/monthly basis.

C.1.4.1.1 Definition of Dependents

C1.4.1.1.1 Spouse: a limit of one legal spouse as defined by local law per employee will be covered.

C.1.4.1.1.2 Children: a child is defined as the LE Staff's natural, adopted, stepchild, or foster child. The child must be unmarried and financially dependent upon the LE Staff. A child will be covered until the end of the contract year in which s/he reaches age 26. An unmarried child determined to be incapable of self-support due to a physical or mental condition will continue to be eligible to participate in the medical plan as long as the condition persists, the child remains unmarried, and the LE Staff maintains coverage.

C.1.4.2 Location of Employment

The eligible employees covered by C.1.4.1 must be employed within the geographic boundaries of Bahrain by:

U. S. Department of State and U. S. Department of Defense (War)

C.1.4.3 Participants Covered Under a Rider

C.1.4.3.1 All current active ORE Staff personally employed by the Chief of Mission and the Deputy Chief of Mission and assigned to their respective official Government residences and paid under an ORE account (see separate rider, Exhibit B). All costs for ORE Staff are the responsibility of the Chief of Mission and the Deputy Chief of Mission, not the U.S. Government.

C.1.5. Individuals not Eligible for Coverage .

Individuals not eligible for coverage under this contract are non-personal services contract personnel; employees working on a temporary basis; employees with an intermittent, seasonal, or WAE (when actually employed) schedule; and any other individual not falling within one of the categories of employees described in this clause.

C.1.6. Eligibility

C.1.6.1. Term of Eligibility and Effective Date

Each current and eligible employee hired prior to May 2026 is enrolled for health benefits in Plan 1 under this contract upon award and thereafter during the performance period of this contract. An employee is considered active ("on the rolls") whenever such employee is on approved leave, whether paid or unpaid.

During a period of Leave Without Pay (LWOP) or unpaid leave that is one pay period or less, coverage under the insurance contract will continue. The USG will pay the total premium cost to the Contractor. The employee’s share of the premium will be collected through payroll deduction in that or the subsequent pay period.

C.1.6.2. Period of Ineligibility

Employees and their dependents in Plan 1 are not entitled to health benefits during any period of employment for which premiums are not paid.

Additionally, employees’ dependents are not entitled to health benefits during any period of employment during which the employee was not eligible to participate.

During a period of extended (beyond one pay period) of Leave Without Pay (LOWP) or unpaid leave, the employee is responsible for the full cost of the insurance premiums for self and dependents. The Mission will pay the premiums directly to the Contractor and will collect the full cost from the employee on a quarterly basis. Alternatively, the employee may elect to have coverage cease if that employee prefers not to pay the premium.

C.1.7. Brochure Requirement

C.1.7.1. The Contractor shall provide brochure, pamphlet, or other written document in both English and Arabic that contains a complete listing of the health insurance benefits to be provided under this contract. The Contractor is required to provide separate brochures for Plan 1 and Plan 2. The Contractor shall supply the brochures in sufficient quantities to ensure that each covered employee receives a copy. All copies of the brochures shall be furnished to the COR, who will ensure appropriate distribution.

C.1.7.2. The Contractor shall provide the document described in C.1.7.1 to the COR not later than 30 days after the date of contract award. The Contractor shall provide additional brochures for new employees within ten (10) days of the COR’s request.

C.1.7.3. The Contractor assumes full responsibility for ensuring that the document described in C.1.7.1 accurately reflects the requirements of the contract, as implemented by the Contractor’s technical proposal. In all cases, the contract shall take precedence. Should the COR discover that the brochure contains inaccuracies, the Contractor will be notified in writing; however, failure on the part of the Government to notice any inaccuracies shall in no way limit, revise or otherwise affect the requirement under this contract for the Contractor to fully comply with all contract terms.

C.2 HEALTH INSURANCE SERVICES -PLAN 2 (Employees Hired After May 1, 2026)

The Government of the United States of America requires Health Insurance coverage for its employees as further described in Section C.2 in Bahrain. The Government has determined that the prevailing practice by employers in Bahrain is to provide for their employees’ health insurance protection and that the cost of such insurance protection is usually borne by both the employee and the employer. Health insurance protection will be representative of locally prevailing compensation practice as further described in C.2.2. The specific health benefit coverage for Plan 2 under this contract is set forth in Section C.2.

Employees Hired After May 2026 (or under the contract resulting from this solicitation):

The employee will pay a 20% copay.

C.2.1 Employee and Dependent Health Services Benefits

C.2.1.1. Hospitalization (treatment in the hospital for inpatient care):

Services and supplies provided during hospitalization, including services provided by a licensed healthcare provider, bed & board (semi-private accommodations), operating room, recovery room, intensive care, imaging and diagnostic testing, general hospital nursing care, physical therapy, as well as drugs and medicines administered while in-patient. When private accommodations are provided, coverage will be limited to the cost of a semi-private room unless otherwise covered in an off-the-shelf plan.

100% Coverage

C.2.1.2 Emergency services (trips to the emergency room):

Services provided for conditions that could lead to serious disability or death if not immediately treated, such as accidents or sudden illness.

100% Coverage C.2.1.3 Ambulance:

Professional ground transport to move a patient from the place where s/he is injured or becomes ill to the nearest hospital able to provide treatment or to move a patient from one medical facility to another.

80% Minimum Coverage

C.2.1.4 Outpatient Services:

Services provided by a certified healthcare provider on an ambulatory or outpatient basis (without being admitted to a hospital), including surgeon’s fees and other medical services that may be provided in a hospital, clinic, doctor’s office, medical facility, etc. Examples include, but are not limited to:

-- Annual physical examinations -- Specialist consultations and treatment, including second surgical opinion -- Minor surgical interventions -- Chemotherapy and radiation treatments -- Immunizations recommended by local authorities and/or the World Health Organization -- Diagnostic tests and diagnostic imaging 80% Minimum Coverage

C.2.1.5 Obstetric and Newborn Care:

Care and services that women receive during pregnancy (prenatal care), throughout labor and delivery, and post-delivery, and outpatient care for newborn babies. Hospitalization during pregnancy and/or delivery will be covered as Hospitalization (treatment in the hospital for inpatient care). All other treatments will be considered Outpatient Services.

Inpatient: 100% Coverage; Outpatient: 80% Minimum Coverage C.2.1.6 Pediatric Services:

Primary and preventive routine care services for covered dependent children, including, but not limited to physical examination, developmental assessment, laboratory tests, and immunizations recommended by local authorities or the World Health Organization.

Inpatient: 100% Coverage; Outpatient: 80% Minimum Coverage C.2.1.7. Prescription Drugs:

Medications prescribed by a certified health care provider that are medically necessary. Examples include, but are not limited to: prescription antibiotics to treat an infection; medication used to treat an ongoing condition, such as high cholesterol; prophylaxis; or contraceptive medication.

Inpatient: 100% Coverage; Outpatient: 80% Minimum Coverage

C.2.1.8 Preventive and Wellness and Chronic Disease Management

Counseling or preventive care designed to prevent or detect medical conditions and care for chronic conditions such as asthma and diabetes. Examples include, but not limited to physicals, immunization, and cancer screenings.

80% Minimum Coverage

C.2.1.9 Hearing Aid:

Examinations and Treatment: 80% Minimum Coverage

Hearing Aid Apparatus: Limited to one apparatus per ear. The maximum coverage is USD 1,500 per covered individual per three-year period. 80% Minimum Coverage; with applicable cap

C.2.1.10 Optical:

Examinations and Treatment: 80% Minimum Coverage Prescription lenses and frames, or contact lenses: The maximum coverage is USD 300 per covered individual every two years. 80% Minimum Coverage; with applicable cap

C.2.1.11 Dental:

Examinations and Treatment: Dentist’s fees, x-rays, examinations and treatment, cleanings, fillings, extractions, false teeth, crowns, and bridges. The maximum coverage is USD 3,200 per covered individual per contract year. 80% Minimum Coverage; with annual cap Orthodontia: Treatment is covered only if treatment begins before age 18, or if required as the result of an accident. A maximum of four years of orthodontia treatment will be covered per covered individual. The maximum coverage is USD 2,400 lifetime limit. 80% Minimum Coverage; with contract lifetime cap

C.2.1.12 Reproductive Health:

Prescribed contraceptive devices, preventive care and routine examinations, voluntary sterilization, and diagnosis and treatment of conditions which may cause infertility. Assisted reproductive technology (ART), fertility treatments, and reversal of sterilization are not covered (see Exclusions to Coverage).

80% Minimum Coverage

C.2.1.13 Mental Health and Substance Abuse Care:

Inpatient and outpatient care provided to evaluate, diagnose and treat a mental health condition or substance abuse disorder. This includes behavioral health treatment, counseling, and psychotherapy. Services must be provided by a licensed psychiatrist, psychoanalyst, psychologist, or psychiatric social worker. Inpatient care for alcohol and substance abuse must be carried out at a facility licensed for detoxification and rehabilitation.

50% Minimum Coverage

C.2.1.14 Rehabilitative and Habilitative Services and Devices:

Rehabilitative services (e.g., recovering skills, such as speech therapy after a stroke or physical therapy after an accident) and habilitative services (e.g., developing skills, such as speech therapy for children) that help develop skills needed for everyday life. Devices to help gain or recover mental or physical skills lost due to injury, disability or a chronic condition, and devices needed for habilitative reasons.

50% Minimum Coverage

C.2.1.15 Out of Country Medical Treatment:

Medical expenses incurred out-of-country will be covered, but coverage will be the same and subject to the same total maximum annual limit for medical expenses incurred in-country.

C.2.1.16 Annual Maximum Limit – The maximum annual coverage per covered individual per contract year is BHD 18,000.00.

C.2.2 Health Benefits Conditions and Limitations.

There is no reimbursement for elective cosmetic surgery; spa cures; rejuvenation cures; massage; exercise therapy; long term rehabilitative therapy; non-medical hospital charges (e.g., telephone, television, etc.); home help, family help, or similar household assistance; fees of persons who are not certified health care providers; advanced reproductive technology (e.g., in-vitro fertilization, intra-cellular sperm injection, artificial insemination, microsurgical epididymal sperm aspiration, testicular sperm extraction, cryopreservation, etc.); or services or supplies which have not been prescribed or approved by a certified health care provider. Exclusions to coverage may be amended if provided in an off-the-shelf plan and is the lowest cost and technically acceptable.

There is no reimbursement for expenses that will be reimbursed or paid directly under a host country medical program or workers' compensation program; the U.S. workers’ compensation program; or post’s LES workers’ compensation program.

There is no reimbursement for round trip transportation expenses to travel out of country for medical treatment.

C.2.3 Eligible Participants

C.2.3.1 Eligible Employees - Employees eligible for the health insurance services in Plan 2 include the following:

C.2.3.1.1 All employees of the United States Government hired after the implementation of the contract resulting from this solicitation, or from May 1, 2026, employed within the geographic boundaries of Bahrain paid under the Local Compensation Plan, and certified by the Contracting Officer. Covered employees include

C.2.3.1.2. Foreign Service Nationals (FSNs) employed under a non-temporary direct hire appointments, Personal Services Agreements (PSAs) and Personal Services Contracts (PSCs) or under a temporary direct hire appointment or PSA Fixed Term of one year or more;

C.2.3.1.3. Locally hired U.S. citizens employed under direct hire appointments, PSAs, and PSCs or under a temporary direct hire appointment or PSA Fixed Term of one year or more.

C.2.3.2 Location of Employment

The individuals covered by C.2.3.1 must be employed within the geographic boundaries of Bahrain by:

U. S. Department of State and U. S. Department of Defense (War)

C.2.3.3 Participants Covered Under a Rider

C.2.3.3.1 All employees of the Chief of Mission and the Deputy Chief of Mission assigned to their respective official Government residences and paid under an ORE account who are hired from May 1, 2026 or from the implementation of contract resulting from this solicitation. All costs for ORE employees are the responsibility of the employing officer, not the U.S. Government.

C.2.4. Individuals not Eligible for Coverage .

Individuals not eligible for coverage under this contract are those working under temporary appointments; those working under a PSC or PSA that is time limited to less than one year; non-personal services contract personnel and their employees, supplied by an independent contractor licensed to do business in Bahrain who provides services to other local organizations as well as to the U.S. Mission; employees working on an intermittent or When Actually Employed (WAE) schedule; Peace Corps personal services contractors as indicated in MS 743; and Recreation Association employees, and any other individual not falling within one of the categories of employees described in this clause.

C.2.5. Other Eligible Participants

Covered dependents for Plan 2 include the participating employee’s spouse and children. A limit of one spouse per employee is covered. In cases where LE Staff and their legal spouse both work for the mission and both are eligible to participate in the medical plan, one will be designated as the lead for purposes of the medical plan, and the other will be considered a legal spouse. An eligible child is defined as the employee’s natural child, adopted child, stepchild, or foster child. The child must be unmarried and financially dependent upon the LE Staff. A child will be covered until the end of the contract year in which s/he reaches age 26. An unmarried child determined to be incapable of self-support due to a physical or mental condition will continue to be eligible to participate in the medical plan as long as the condition persists, the child remains unmarried, and the LE Staff maintains coverage.

C.2.6. Eligibility

C.2.6.1. Term of Eligibility and Effective Date

Each new eligible employee will be enrolled in Plan 2 upon entering on duty with the United States Government and thereafter during the performance period of this contract. An employee is considered active ("on the rolls") whenever such employee is on approved leave, whether paid or unpaid.

During a period of Leave Without Pay (LWOP) or unpaid leave that is one pay period or less, coverage under the insurance contract will continue. The USG will pay the total premium cost to the Contractor. The employee’s share of the premium will be collected through payroll deduction in that or the subsequent pay period.

C.2.6.2 Period of Ineligibility

Employees and their dependents are not entitled to health benefits during any period of employment for which premiums are not paid.

Additionally, employee's dependents are not entitled to health benefits during any period of employment during which the employee was not eligible to participate.

During a period of extended (beyond one pay period) of Leave Without Pay (LWOP) or unpaid leave, the employee is responsible for the full cost of the insurance premiums for self and dependents. The Mission will pay the premiums directly to the Contractor and will collect the full cost from the employee on a quarterly basis. Alternatively, the employee may elect to have coverage cease if that employee prefers not to pay the premium.

C.2.7. Brochure Requirement

C.2.7.1. The Contractor shall provide a document (brochure/pamphlet/other written document) in English that sets forth a complete listing of the health insurance benefits to be provided under this contract (Plan 2). This brochure shall be provided in sufficient quantities so that each covered employee receives a copy. The Contractor shall furnish all copies of the brochures to the COR, who will ensure that appropriate distribution is made.

C.2.7.2. The Contractor shall provide the document described in C.1.7.1 to the COR not later than 60 after date of contract award. The Contractor shall provide additional brochures for new employees within ten (10) days of the COR’s request.

C.2.7.3. The Contractor assumes full responsibility for ensuring that the document described in C.2.7.1 accurately reflects the requirements of the contract, as implemented by the Contractor’s technical proposal. In all cases, the contract shall take precedence. Should the COR discover that the brochure contains inaccuracies, the Contractor will be notified in writing; however, failure on the part of the Government to notice any inaccuracies shall in no way limit, revise or otherwise affect the requirement under this contract for the Contractor to fully comply with all contract terms.

C.3.0. DEFINITIONS

SECTION E

INSPECTION AND ACCEPTANCE

E.1. 52.252‑2 CLAUSES INCORPORATED BY REFERENCE (FEB 1998)

This contract incorporates one or more clauses by reference, with the same force and effect as if they were given in full text. Upon request, the Contracting Officer will make their full text available. In addition, the full text of a clause may be accessed electronically at: Acquisition.gov this address is subject to change.

If the Federal Acquisition Regulation (FAR) is not available at the location indicated above, use the Department of State Acquisition website at e-CFR to see the links to the FAR. You may also use an Internet “search engine” (for example, Google, Yahoo or Excite) to obtain the latest location of the most current FAR.

THE FOLLOWING FEDERAL ACQUISITION REGULATION CLAUSE(S) IS/ARE INCORPORATED BY REFERENCE:

CLAUSE TITLE AND DATE

52.246-4 INSPECTION OF SERVICES - FIXED PRICE (AUG 1996)

E.2. QUALITY ASSURANCE AND SURVEILLANCE PLAN (QASP)

This plan is designed to provide an effective surveillance method to promote effective Contractor performance. The QASP provides a method for the Contracting Officer's Representative (COR) to monitor Contractor performance, advise the Contractor of unsatisfactory performance, and notify the Contracting Officer of continued unsatisfactory performance. The Contractor, not the Government, is responsible for management and quality control to meet the terms of the contract. The role of the Government is to conduct quality assurance to ensure that contract standards are achieved.

Services Performs all the insurance services set forth in the Performance Work Statement (PWS)

C.1.0 thru C.1.6

All required services are performed and no more than one (1) customer complaint is received per month

E.2.1 Surveillance. The COR will receive and document all complaints from Government personnel regarding the services provided. If appropriate, the COR will send the complaints to the Contractor for corrective action.

E.2.2 Standard. The performance standard is that the Government receives no more than one (1) customer complaint per month.