2031JW26N00001_VISS RFI Detail_20251009.pdf

Request for Information (RFI)

Human Capital Vision Insurance Support Services

This is a request for information only - it does not constitute an Invitation for Bids (IFB), Request for

Proposals (RFP), or Request for Quotation (RFQ). This RFI is issued solely for information and planning purposes and does not commit the Office of the Comptroller of the Currency (OCC) to issue a solicitation

(RFP/RFQ) or award a contract for any supply or service whatsoever. The OCC will not pay for any information or administrative costs incurred in response to this RFI. All costs associated with responding to this RFI will be solely at the Respondents’ expense. Those who respond to this RFI should not anticipate feedback concerning its submission other than acknowledgement of receipt if the Submitter requests acknowledgement. The OCC elects to respond to comments and questions resulting from

Respondents’ “RFI Q&A Worksheet VISS” (Attachment 4) submission if it is determined that doing so would benefit the agency.

Introduction

The Office of the Comptroller of the Currency (OCC), headquartered at 400 7th Street, SW, Washington, DC 20219, is a non-appropriated federal financial regulatory bureau of the Department of the Treasury.

OCC charters, regulates, and supervises national banks, including supervision of federal branches and agencies of foreign banks. It employs approximately 3,700 employees of which approximately 1,000 employees are located at its headquarters facility. Other OCC employees work in approximately 70 cities nationwide with primary locations in Chicago, Dallas, Denver, Houston and New York.

Background

The OCC is unique from most other federal government agencies because it has independent authority to offer its employees compensation and benefits not offered by other agencies. Any reference to

“employees”, means OCC and Office of Financial Research (hereinafter “OFR”) active employees. The

OCC, as a governmental plan, is specifically exempted from Title I of The Employee Retirement Income

Security Act (ERISA).

Requirements Description

The requirement will be unrestricted and is open across the United States for Providers of Vision

Insurance and its associated support services. Details regarding the demographics of the OCC’s current makeup and claims since 2018 are provided within Attachment 3 “RFI Plan Participants Census Data

VISS” for review and consideration. The Government (OCC) seeks a Provider of Vision Insurance Support

Services (VISS) to offer the following benefit plan services and actions (in terms of technical requirements):

• Support OCC wellness initiatives by collaborating with the OCC Wellness Coordinator on ways to promote healthy eye care for employees and their eligible family members. The Contractor must support OCC’s wellness fairs (no more than one per year) at its headquarters location in Washington, DC. At a minimum, the Contractor must secure a vendor to provide wellness demonstrations or screenings.

• Attend an onsite, one-day, health benefits fair during OCC’s annual benefits open season period. Open season is held over a four-week period between the months of November and

December. The health benefits fair is held at OCC’s headquarters location in Washington, DC and the Contractor is required to attend and provide program materials.

• Prepare a vision program Administration Manual that describes, at a minimum, the enrollment, invoicing, and claims processes. This includes the claims submission requirements and the dispute process for denied claims. The manual must include both the responsibility of the Contractor as well as that of the OCC. The Contractor must provide the OCC a copy of the manual in electronic format annually. The administration manual will be used by the Human Resources Benefits staff.

• Produce a vision program plan brochure which will be used as the official statement of benefits. The plan brochure must include frequently asked questions (FAQs). The FAQs must include clear, concise answers to common questions about the program and services, organized logically with a search function and relevant links for further information. The plan brochure will be accessible to all employees.

• Provide vision program materials in electronic form. Forms must be in a fillable format (.pdf) to include electronic signature for posting on OCC’s Intranet for employee use.

• Host a biannual online seminar to educate employees on the vision program services/benefits, networks, claims, self-service tools, and resources.

Vision Services Provider Network

The Contractor must make available a provider network that consists of optometrists, ophthalmologists and opticians with, at a minimum, 50,000 provider access locations nationwide. The Contractor’s provider network must include full-service providers that provide exam and dispensing services at the same location. At least 85% of the OCC population must have access to two (2) network providers within a five-mile radius of the employee’s home zip code. The Contractor’s network of participating providers must consist of at least 40% private practice providers.

Order Fulfillment and Out of Network Adjudication

The Contractor must ensure that its network providers provide a ‘prescription satisfaction’ warranty on eyeglass orders. At a minimum, employees must be afforded a 90-day warranty period from date the eyeglass order was filled.

The Contractor must require network providers to fulfill eyeglass orders within 10 business days of a complete eyeglass order.

The Contractor must adjudicate out-of-network claims within 10 business days of receipt of a complete eyeglass order.

Customer Service and Website Access

The Contractor must provide live customer service assistance to answer a toll-free telephone number for employees and OCC disabled retirees, at a minimum, between the core hours of 8:00 a.m. until 8:00 p.m., Eastern time, Monday through Friday (excluding Federal holidays). Live customer service representatives are to be available on Saturdays between the core hours of 9:00 a.m. until 2:00 p.m.

(Eastern time). The Contractor must make available an alternative solution for callers who prefer to speak with a customer service representative in another language. The alternative solution must accommodate at least 100 languages. During the non-core hours, the Contractor must make available an Interactive Voice Response System.

The Contractor must provide secure access to their website through various methods including multi-factor authentication, biometrics, and robust access control models to allow for account information access. The Contractor must provide step-by-step instructions on how to access the member account.

The Contractor must make available a secure website that is available to employees 24/7 to perform the following functions:

• Network provider search

• View eye health information

• Print ID card with employee’s name and alternative identifier

• View a list of enrolled eligible family members

• View claims history

• Print a copy of the program benefit summary of benefits

The Contractor must provide customer service between the hours of 8:00 AM - 7:00 PM ET, Monday through Friday.

Plan Design

The OCC plans to offer the benefits as outlined in the following plan design below without any deviations by the Contractor that result in a reduction of benefits to employees.

Services In-Network Benefits

[employee pays]

Out-of-Network Benefits [plan will reimburse employee]

Eyeglass Exam (once every 12 months)

$0 up to $60

Prescription Eyeglasses (one pair every 12 months):

Single Vision Lenses, or Lined Bifocal Lenses, or Lined Trifocal Lenses, or Lenticular Lenses

Lens Options:

Standard scratch-resistant coating All types of progressive lenses All types of anti-reflective coating Photochromic lenses Polycarbonate lenses Ultraviolet coating Tints

$20 copay

$0 $0 $0 $0 up to $61 up to $94 up to $127 up to $165 $0 (not covered)

Eyeglass Frame Cost above $200 allowance up to $75

Elective Contact Lenses (in lieu of eyeglass benefit):

- Benefit includes fitting/evaluation fee and generally 3 to 4 boxes of contact lenses)

Cost above $160 allowance up to $88

Medically Necessary Contact Lenses (in lieu of eyeglass benefit)

$0 up to $220

Prescription Computer Eyeglasses (one pair every 12 months for Employees only and is in addition to the eyeglass benefit):

Single Vision Lenses, or Lined Bifocal Lenses, or Lined Trifocal Lenses, or Lenticular Lenses Lens Options:

Standard scratch-resistant coating Standard anti-reflective coating

Eyeglass Frame

$0 copay

$0

Cost above $90 allowance

$0 (not covered)

Non-Prescription Post Lasik Surgery Sunglasses (in lieu of eyeglass benefit)

Cost above $200 allowance

$0 (not covered)

Extra Discounts and Savings:

Costs above plan benefits 2nd pair of eyeglasses Prescription sunglasses Contacts in addition to Eyeglasses Laser Vision Surgery

Minimum 20% discount Minimum 20% discount Minimum 20% discount Minimum 15% discount Minimum 15% discount

N/A

Eligibility

The OCC will determine eligibility of benefits for employees. The OCC will permit all full-time and part-time employees with an offer of employment that is expected to last for more than one year to participate in the vision program. Employees will have the option, within the first 60 days of their date of hire, to enroll their eligible family members. Then, if the employee experiences a qualifying life event resulting in the addition of an eligible family member or family members, the employee will be permitted to enroll their newly eligible family members within 60 days of the qualifying life event. If employees fail to enroll eligible family members within the specified timeframe of their initial eligibility, then employees will be permitted to enroll eligible family members during OCC’s annual open season.

Employees will be permitted to cancel the coverage of an eligible family member at any time without having to experience a qualifying life event.

Below is a chart that defines eligible family members of OCC/OFR employees.

Eligible Family Members OCC Definition

Spouse A lawful spouse or domestic partner of the same-sex or opposite-sex

Child An unmarried child under the age of 26 who is the employee’s natural offspring, stepchild, foster child, legally adopted child, child under guardianship, or child of his/her domestic partner

Disabled Child

A child with a disability that began before attaining age 26 who is incapable of self-support and has been certified as disabled by a county, state or federal entity or through the Federal Employees Health Benefits Program.

Other than eligible employees actively employed by the OCC/OFR and their eligible family members, the Contractor must include as a covered class for disabled retirees of the OCC who have been approved for a disability retirement by OPM. This covered class is not extended to OFR and is applicable to OCC employees only. Contractor must also include a separate covered class for OCC active employees and their family members and OFR active employees and their family members in order to separately identify the population.

Enrollments and Effective Dates

The Contractor must make available to OCC employees an online enrollment application that will allow the employee to complete an enrollment application during the employee’s first 60 days of eligibility.

The enrollment application must generate an email confirmation notice and welcome packet to the employee after the employee has completed the enrollment application. Employees who wish to enroll newly eligible family members (mid-year changes) because of a qualifying life event will be required to initiate that type of enrollment change through the OCC. Employees are allowed 60 days from the date of the qualifying life event to notify the OCC of the newly eligible family member and to provide supporting documentation of the qualifying life event. The Contractor must allow the OCC the functionality to update the eligibility of dependents because of a qualifying life event. The OCC must be granted the ability to add, terminate, and update dependent data on an ongoing basis.

It is not required, but it is desirable, that the Contractor’s online enrollment capabilities have a self-service feature that will allow employees the ability to cancel a family member’s eligibility at any time and to add eligible family members only during OCC’s annual open season.

Below is a chart that identifies the enrollment opportunities and the corresponding effective date of the enrollment or change.

Life Event Description Time Limit Effective Date

New Hire A newly hired employee 60 days from date of hire

1st of the month following the date enrollment completed

Change in Employment Status from Non- Benefit

Initial enrollment opportunity that makes them eligible for

60 days from date of change in employment status

First of the month following receipt of enrollment form

Life Event Description Time Limit Effective Date

Eligible to Benefit Eligible vision coverage for the first time.

Gaining a New Dependent

Marriage, establishment of domestic partner relationship, birth, adoption, placement of foster child, stepchild or child of a domestic partner and it requires the submission of documentation to verify the event

60 days from date of the event

First of the month following receipt of enrollment form

Open Season

Annual period identified by the OCC which allows for the addition of dependents to be added without proof of relationship documentation

Generally, a 4- week period between November and December

January 1 of the year following the open season period

Additionally, there are a few other events that may occur which will allow an employee to change their enrollment in the program. These events are as follows:

Event Description Time Limit Effective Date

Approval of Disability Retirement

Office of Personnel Management (OPM) approves an employee’s claim to receive disability retirement benefits

Immediately upon receipt of OPM approval notification

Day following the employee’s date of separation

Buyout

Employee terminates from the OCC under a “severance” type of agreement and continues coverage for 6 months

60 days from the date of separation

Day following the employee’s date of separation

Termination of Enrollment

When an employee’s employment ends, the coverage terminates on the date of separation. A separated employee is not extended the option to continue coverage beyond their date of separation unless one of the following occurs:

1. Employee is approved for disability retirement by OPM;

2. Employee is offered a “buyout” by the OCC that includes benefits

For family members who become ineligible for coverage (i.e., divorce, dissolution of domestic partnership, employee dies, child aging out, or getting married) their eligibility will end on the date they no longer meet OCC’s eligibility requirements. For family members whose eligibility has been voluntarily terminated by the employee, their coverage will end at the end of the month in which the employee initiated the cancellation of coverage. OCC is responsible for providing this information to the contractor.

Coverage for a family member will terminate when:

1. The employee’s coverage is terminated;

2. The dependent child attains age 26 ;

3. A dependent child under age 26 gets married;

4. The dependent dies;

5. The employee divorces their spouse or terminates their relationship with their domestic partner;

6. A stepchild or a child of the domestic partner is no longer in a “parent-child relationship” with the employee; or

7. The employee chooses to drop a family member from coverage during open season or outside of open season. In this scenario, the employee can re-enroll the family member during any open season only

Key Personnel

The Contractor must appoint a single point of contact that will be the Account Manager who will serve as a liaison between the Contractor and the OCC on all services related to this contract. The Account Manager must be involved with the contract implementation and will address day-to-day issues and respond to the OCC on outcomes and solutions. The Account Manager must ensure a smooth administration of this contract. The individual must have a minimum of five (5) years of account management experience in the health care insurance industry.

Security and Privacy

To provide another level of protection of an employee’s Personal Identifiable Information (PII), the Contractor must provide a mechanism to assign an ‘alternate identifier’ as the employee’s vision ID number instead of the use of the employee’s social security number for benefit purposes.

VISS Deliverables

Program Deliverables (Electronic)

Description Due Date

Administration Manual

Document the following: 1) system access by the OCC; 2) how all enrollments are handled (new hire enrollments, qualifying life events, cancellations and terminations); 3) the weekly file transfer process and explain how records are updated (along with the purpose of the error report that generates after each weekly file transfer process); and 4) invoicing.

Once – Submit to the COR by March 31, 2027, and annually thereafter

Enrollment Confirmation and Welcome Package

Captures enrollment effective date, name of employee and date of birth;

and family members listed on

The date the Contactor receives the enrollment data/record in their system.

Description Due Date coverage to include name and date of birth. It must also include information about how employees can access their benefit information.

This information must be sent to the member’s OCC/OFR email address.

Plan Brochure

Official statement of benefits to identify all processes to obtain services and benefits, file out-of-network claims, dispute claims process, any other types of required filing to receive benefits, and file an appeal.

Annually – Submit to the COR by March 31, 2027, and annually thereafter

Claims Activity Report

Capture vision benefits usage, both in and out of network benefits, for all employee groups (OCC employees, OFR employee and OCC disabled retirees) and their eligible family members.

Monthly – Submit to the COR at the end of the month following the previous month

Claims Expense Summary

Lists the total claim dollars paid and broken out by primary member and dependents.

Quarterly within the first 30 days of the quarter

Headcount Activity Report

Reconciliation of the monthly billing invoice for administrative fees. The report shows the enrollment activity for all employee groups (OCC employees, OFR employee and OCC disabled retirees) that occurred from one month to the next.

Monthly – Submit to the COR along with the monthly invoice

Disabled Child Report

Identifies family members who are not identified as a spouse or domestic partner with a relationship designation that they are a disabled child and are eligible for continued enrollment beyond age 26.

Monthly – Submit to the COR by the 10th of each month

Vision Eligibility Report

Identify every employee (OCC only) that is enrolled in the vision program. Data will be used to upload to an online benefits statement on the OCC intranet.

Employee can use the statement to confirm their enrollment in the program.

Monthly – Submit to the COR by the 10th of each month

Description Due Date

User Access Control List and Activity Report (OCC HR Staff)

Identify all user’s IDs and status (active, term, capability). Identify all activity processed in the enrollment system (date stamp, time stamp, user ID, and type of activity)

Contractor must evaluate suspicious or anomalous activity and provide report to the OCC to support audit assessments.

Quarterly – Submit to the COR by the end of each quarter

Issues Log Record and track all instances of requests made by the COR to the Account Manager.

Quarterly – Submit to the COR at the end of the month following the end of the previous calendar quarter

Invoices

The Contactor must have a mechanism to identify cost separately for the OCC and OFR for administrative fees and claims.

Monthly

Forms Any forms required for filing claims must have a method to submit electronically and complete online.

Within 10 days after contract award.

2-Tier Insurance Rates (Applicable to Domestic Partner Benefits)

Rates, for informational purposes only, for the following categories of beneficiaries:

OCC and OFR Active Employees, OCC disabled retirees - Employee only

OCC and OFR Active Employees, OCC disabled retirees - Family

These rates must be provided for the base year and each option year.

Within 10 days after contract award.

RFI Submission Responses:

Interested Respondents are requested to respond to this RFI electronically, that identifies the information below.

1) Company Background - Provide summary information including company name, Unique Entity

Identification number, CAGE code, Multi-Agency Contracts, governmentwide contract vehicle (e.g., Human Capital and Training Solutions (HCaTS), Alliant 2, schedule holder number(s) (if applicable), and designated point of contact's name, title, email address and phone number

2) Company Classifications – Relevant asserted North American Industry Classification System (NAICS)

Code(s), and Product Service Code(s) (PSCs) (as applicable), business size, socioeconomic status,

a. Provide recommended NAICS Code(s)

b. Provide recommended PSC(s)

3) Solution and Service Overview – Provide answers to the questions presented within Attachment 1

“RFI Questionnaire for VISS” that describes the capabilities, resources, and experiences similar to the OCC’s insurance services sought.

4) Published Catalogs and Pricing Structure – Provide any published price lists or catalog(s). If applicable, provide information on volume discounts, and favored customer discounts. Provide a proposed line-item structure of a previous insurance support services effort similar in nature to the tasks described within Attachment 1 “RFI Questionnaire VISS”. Provide previous and recommended line-item structure(s), which could include: a) firm-fixed-price (FFP), b) FFP, level-of-effort (LOE), d) labor-hour (LH), and/or d) a combined/hybrid approach, as applicable. Respondents may elect to include the breakdown of insurance plan coverage in a 1-year or monthly increments. Identify whether the FFP, LH, or combined contract types remained unchanged throughout the duration of the contract. Respondents may elect to use Attachment 2 “VISS Pricing Template” to enter its pricing information, changing the line-item structure within, but ensuring the template remains unlocked/unprotected in order for the Government to edit the document freely.

NOTE: Currently, the Government is contemplating a variation of a FFP (e.g., firm-fixed-unit-price) contract type across all line items.

5) Schedule Estimate/Delivery – Confirm availability of providing a Vision Insurance Plan and Support

Services for a duration of 5 years, which would commence on January 1, 2027 through December

31, 2031 should all 1-year option periods be exercised. A transition period of at least 6 months must be allowable within the base period, at no cost, to support the transfer of data and personnel into the new system, as well as testing in the OCC’s environment for interfacing and/or migrating applications/programs and data, as applicable.

6) Requirements Capability – Respondents should address details of its capability to meet the: a) technical and deliverables requirements (per responses to Attachment 1); b) key personnel

(including job duties, years of experience, as applicable) available to perform the role as an Account

Manager; c) Voluntary Product Accessibility Template requirements to ensure compliance with accessibility standards specific to Section 508; and d) OCC’s IT security and privacy requirements.

Additionally, the Contractor personnel supporting this requirement must be a U.S. Citizen, or lawful

Permanent Resident Alien with at least three or more years of United States residency from the date of legal entry to the United States.

7) Subcontracting possibilities – Respondents that are not a Small Business (SB) MUST identify any opportunities to allow SBs to expand its offering(s) and gain experience(s) in performing Vision

Insurance Support Services, or otherwise provide detailed rationale why no opportunities for subcontracting to SBs exist for this particular requirement with the company.

RFI Submission Instructions:

Responses shall be in single-spaced, Times New Roman or Arial, no less than 12-point font format, with one-inch margins all around, compatible with Microsoft (MS) Office Word or Adobe Acrobat sent via email as courier delivery will not be accepted. Responses to the RFI shall not exceed 10 pages, nor shall it exceed the size of 5 MB for email submission. The response submission shall be printable on 8 ½” x

11” paper. If a Respondent elects to include pricing, it is limited to one page inclusive of a narrative, or otherwise, include details within the MS Excel Pricing worksheet, “Assumptions and Explanations” tab.

Respondents electing to provide pricing using the MS Excel Pricing worksheet are not restricted to a page limitation for its pricing submission.

Respondents shall avoid the use of excessive marketing language, submission of fancy brochures, and other unnecessary sales literature.

The email should include the following subject heading, “Response to OCC’s HC VISS RFI

#2031JW26N00001”.

As noted above, this RFI is issued solely for information purposes, and therefore, documents received in response to this notice will not be returned, and any proprietary information contained within responses shall be clearly marked as ‘Proprietary’. All submissions in response to this RFI shall become the property of the Government. Any response submitted by Respondents to this request constitutes consent for its submission to be reviewed by OCC and its employees.

Questions regarding this RFI must be submitted to Anethra.Facione@occ.treas.gov and

Matthew.Quinn@occ.treas.gov by 12:00 PM Eastern Time (ET) on Thursday, October 16, 2025.

All final RFI responses must be submitted to Anethra.Facione@occ.treas.gov and

Matthew.Quinn@occ.treas.gov by 12:00 PM ET on Thursday, November 13, 2025.

mailto:Anethra.Facione@occ.treas.gov mailto:Matthew.Quinn@occ.treas.gov mailto:Anethra.Facione@occ.treas.gov mailto:Matthew.Quinn@occ.treas.gov