9531CB20R0031.pdf

CONSUMER FINANCIAL PROTECTION BUREAU

WASHINGTON, D.C. 20552

Date: September 25, 2020

TO: Interested Offerors

SUBJECT: Request for Proposal; RFP # 9531CB20R0031, Dental Insurance Services

Dear Contractor:

The purpose of this Request for Proposal (RFP) 9531CB20R0031 is to acquire a dental insurance carrier to provide dental insurance benefits to CFPB employees, as outlined in the Statement of Requirements (SOR) provided herein. The resulting contract will be Fixed Priced with Economic Price Adjustment (FP-EPA) with a Base and four one-year Option Years not to exceed (5) years, if all options are exercised.

The CFPB hereby issues a combined synopsis/solicitation for commercial items issued on beta.SAM.gov using the policies contained in FAR Part 12 – Acquisition of Commercial Items and FAR Part 13.5 Test Program for Certain Commercial Items, to obtain contractor services in support of this requirement. CFPB intends to award a single contract as a result of this solicitation.

This solicitation is not issued as a small business set-aside. The NAICS code is 524114, Direct Health and Medical Insurance Carriers, and the business size standard is $41.5 Mil.

The Technical and Price Proposal must be received by October 9, 2020, 3:00 p.m. Eastern Time (ET) and shall be emailed to both Vanessa.delToro@cfpb.gov and Jerry.Salinas@cfpb.gov.

Questions concerning this solicitation must be received by September 30, 2020, 12:00 p.m. Eastern Time (ET) and e-mailed to both Vanessa.delToro@cfpb.gov and Jerry.Salinas@cfpb.gov. All responses to questions will be answered through the beta.SAM.gov website in the form of an amendment to the solicitation.

Sincerely, Vanessa del Toro Contracting Officer mailto:Vanessa.delToro@cfpb.gov mailto:Jerry.Salinas@cfpb.gov mailto:Vanessa.delToro@cfpb.gov mailto:Jerry.Salinas@cfpb.gov

REQUEST FOR PROPOSALS (RFP) 9531CB20R0031

TABLE OF CONTENTS

SECTION 1 PRICING DESCRIPTION AND TABLES

SECTION 2 STATEMENT OF REQUIREMENTS (SOR)

SECTION 3 SOLICITATION PROVISIONS

SECTION 4 CONTRACT CLAUSES

ATTACHMENTS:

Attachment 1 Pricing Model Attachment 2 PPO Provider Report Attachment 3 CFPB Local Clauses

SECTION 1

PRICING DESCRIPTION AND TABLES

1. FIXED UNIT PRICES FOR SERVICES

Offerors shall provide firm fixed unit prices for the Base Year and Option Year 1 as indicated in the tables below. The prices for the Base Year and Option Year 1 are fixed unit prices and shall not be subject to any adjustment. The firm fixed prices shall be inclusive of all expenses, including report preparation, salaries, overhead, other direct costs, general and administrative expenses, and profit. The Contractor shall be paid on a biweekly (i.e., every other week) basis for Operations (i.e., effective period of coverage which begins January 1, 2021) at the fixed prices set forth below.

The unit prices for Option Years 2-4 shall be determined at a later date, in accordance with the Clause titled “Economic Price Adjustment”.

BASE YEAR: January 1, 2021 through December 31, 2021

Individual Only Individual plus One Individual & Family Per Employee/ Biweekly premium

OPTION YEAR 1: January 1, 2022 through December 31, 2022

Individual Only Individual plus One Individual & Family

2. PRICING SUBJECT TO ECONOMIC PRICE ADJUSTMENT CLAUSE

Offerors are not required to complete this section. Pricing is subject to the Economic Price Adjustment (EPA) Clause for Option Years 2-4. Pricing will be requested at the time the option year is contemplated to be exercised in accordance with the EPA clause.

SHOWN FOR ILLUSTRATIVE PURPOSES - DO NOT COMPLETE

OPTION YEAR 2: January 1, 2023 through December 31, 2023

Individual Only Individual plus One Individual & Family

TBD

OPTION YEAR 3: January 1, 2024 through December 31, 2024

OPTION YEAR 4: January 1, 2025 through December 31, 2025

3. LOSS RATIO PERCENTAGES

Offerors shall provide Loss Ratio Rate Change Percentages in the below tables.

OPTION YEAR 2: January 1, 2023 through December 31, 2023

Loss Ratio Rate change percent 75% or less 76% to 80% 81% to 85% 86% to 90% 91% to 95%

96% to 100% 100% or more

OPTION YEAR 3: January 1, 2024 through December 31, 2024

76% to 80% 81% to 85% 86% to 90% 91% to 95%

OPTION YEAR 4: January 1, 2025 through December 31, 2025

76% to 80% 81% to 85% 86% to 90%

91% to 95%

4. ECONOMIC PRICE ADJUSTMENT – OPTION YEARS 2, 3, & 4 PREMIUMS

The prices for Option Years 2, 3 and 4 shall be established based on the claims experience of the Plan.

These prices may represent an increase or decrease from the respective prior period, as they will be determined by the contractor's demonstrated Loss Ratio. The demonstrated Loss Ratio is defined as the actual dental paid claims for covered CFPB employees and dependents divided by the premium paid for the identified time period. The rates (i.e., individual only, individual + one, and individual & family) for the applicable contract years shall be determined by applying the appropriate rate change percentage in the below tables to the rates of the respective prior year.

The data used to calculate the Loss Ratio shall be taken from the contractor's biweekly enrollment reports and monthly progress reports. The Contracting Officer may require the Offeror to provide additional information to support the accuracy and reliability of the data in these reports. The Government reserves the right to have an independent third party review the data and make recommendations regarding the appropriateness of the proposed rates. The modification exercising the first option period for each of these contract years (i.e., Option Periods 2, 3 and 4) shall reflect the adjusted rates. The determination of the adjusted rates shall be made by the Contracting Officer on a unilateral basis. Any dispute regarding the determination (i.e., the appropriate rate change percentage) shall be subject to the “Disputes” provisions of 52.212-4 (d) “Contract Terms and Conditions-- Commercial Items” of this contract.

The following tables shall be used to calculate the prices for the identified contract years.

Option Year 2:

Period used to determine Loss Ratio: July 1, 2021-June 30, 2022

76% to 80% 81% to 85% 86% to 90% 91% to 95%

Option Year 3:

Period used to determine Loss Ratio: July 1, 2022 to June 30, 2023

76% to 80% 81% to 85%

86% to 90% 91% to 95%

Option Year 4:

Period used to determine Loss Ratio: July 1, 2023 to June 30, 2024

76% to 80% 81% to 85% 86% to 90% 91% to 95%

The following calculation shown below is illustrative of how the economic price adjustments will be made:

Total of paid claims for the period: $95,000 Total of premiums paid for the period: $100,000

Biweekly Pricing: $10.00 Rate Change for 91% to 95%: +5%

Total of paid claims / Total premiums paid = Loss Ratio: $95,000/$100,000 = 95% Biweekly Pricing Based on the EPA Clause: $10.00*1.05= $10.50.

SECTION 2

STATEMENT OF REQUIREMENTS (SOR)

DENTAL INSURANCE SERVICES PROGRAM

1.0 SCOPE

The Office of Human Capital of the Operations Division of the Consumer Financial Protection Bureau (CFPB) requires a dental carrier to provide a dental insurance program for its active employees effective January 1, 2021. The dental insurance plan shall be fully insured and non-participating.

Eligibility- The eligibility requirement is defined as a regular employee (full-time or part-time) or temporary employee with an appointment greater than one year, and actively at work at least 60 hours biweekly. Eligible dependents include lawful spouses, domestic partners and children up to age 22 or up to age 25 if a full-time student. Retirees are not eligible for the plan and will remain ineligible, despite being covered under Federal Employee Health Benefits (FEHB).

Enrollment and Effective Dates- Initial enrollees will be effective January 1, 2021.

New hires will be effective on the date employees meet the eligibility requirements.

New hires will have 60 days to elect coverage.

2.0 BACKGROUND

The Dodd-Frank Wall Street Reform and Consumer Protection Act requires that CFPB provide benefits to employees that are comparable to the benefits being provided by the Board of Governors of the Federal Reserve. In addition, employees who currently work at the Office of the Comptroller of Currency (OCC) and the Federal Deposit Insurance Corporation (FDIC) are offered enhanced benefits in addition to the standard Title 5 Federal benefits. In order to achieve comparability and to attract talent and to make sure that there are little or no benefit gaps for transferring employees, the purpose of this Statement of Requirements is to maintain dental insurance for all employees effective January 1, 2021. CFPB pays the full cost of dental coverage for all employees. CFPB currently has approximately 1,414 employees and will have approximately 1,612 when fully staffed.

3.0 REQUIREMENTS

3.1 Plan Design –The contractor shall provide the following plan design:

Benefits Dental Preferred Provider Organization

(PPO)

In-Network Out-of-Network Calendar Year Maximum (Class I, II, III Expenses)

$2,500 per person $2,500 per person

Calendar Year Deductible Individual Family Maximum Deductible Carryover

$50 per person $150 per family Yes – Oct, Nov, Dec.

$50 per person $150 per family Yes - Oct, Nov, Dec.

Class I Expenses - Preventive & Diagnostic Care Oral Exams (Two per Calendar Year) Cleanings (Two per Calendar Year) Full Mouth X-rays (One complete set every three Calendar Years) Bitewing X-rays (Two per Calendar Year) Panoramic X-ray (One every three Calendar Years) Fluoride Application (One per Calendar Year for persons under 19) Sealants Space Maintainers (Limited to non-orthodontic treatment) Emergency care to relieve pain

100% no deductible

100% no deductible, subject to reasonable and customary

Emergency services are paid at in-network levels

Class II Expenses - Basic Restorative Care Stainless Steel Crowns Fillings Root Canal Therapy Osseous Surgery Periodontal Scaling and Root Planning Denture Adjustments and Repairs Extractions Anesthetics Oral Surgery

80% after deductible

Local anesthesia for simple extractions or oral surgery; general anesthesia for complex covered surgical procedures;

when medically necessary as determined

80% after deductible, subject to reasonable and customary

Local anesthesia for simple extractions or oral surgery; general anesthesia for complex covered surgical procedures;

when medically necessary as determined

Benefits Dental PPO In-Network Out-of-Network Class III Expenses - Major Restorative Care Crowns Dentures Bridges Repairs to Crowns and Inlays Surgical Extractions of Impacted Teeth Dental Implants

60% after deductible 60% after deductible, subject to reasonable and customary

Optional Services Class IV Expenses - Orthodontia (appliances and treatment)

Lifetime Maximum

60% no deductible

$1,500 per family member

60% no deductible, subject to reasonable and customary

$1,500 per family member

Missing Tooth Provision The amount payable for replacement of teeth missing on the date an individual becomes insured will be 50% of the amount otherwise payable. The restriction will not apply after member has been continuously insured for 24 months.

Predetermination Review Available on a voluntary basis when extensive dental work in excess of $200 is proposed.

3.2. Network Requirements- The Contractor shall provide a national dental network to adequately cover all CFPB employees, as follows:

• The Contractor must provide minimum geographic network coverage for the following two

(2) types of dental providers: General/Family Dentists and Specialists.

• Minimum geographic network coverage is defined as follows:

The Contractor must provide the minimum coverage standard for both General/Family Dentists and Specialists, respectively, to 85% of all CFPB employees, collectively.

• Minimum coverage standards are as follows:

o Urban Zip Codes:

General/Family Dentists – At least 2 providers within 5 miles.

Specialists – At least 1 provider within 5 miles.

o Suburban Zip Codes:

General/Family Dentists – At least 2 providers within 10 miles.

Specialists – At least 1 provider within 15 miles.

o Rural Zip Codes:

General/Family Dentists – At least 2 providers within 20 miles.

Specialists – At least 1 provider within 25 miles.

• For purposes of this Contract:

o “Urban” is defined as a zip code having a population density greater than 3,000 people per square mile.

o “Suburban” is defined as a zip code having a population density of 1,000 – 3,000 people per square mile.

o “Rural” is defined as a zip code population density of less than 1,000 people per square mile.

3.3 Administrative Requirements- The Contractor shall provide the following administrative services for the CFPB Dental PPO benefit:

a) Administer a dental plan that provides the benefits described in this Statement of Requirements on a fully-insured non-participating basis.

b) Design, produce and distribute, subject to the approval of CFPB, specific claim forms, enrollment forms, employee booklets, summary plan descriptions (SPDs), Standard Operating Procedures (SOPs), and all other forms required to administer the plan.

c) Provide electronic files of forms and materials (booklets, SPDs, etc.) in prescribed format to be uploaded to the CFPB.

d) Ensure compliance with Federal requirements to protect the privacy of individually identifiable health information.

e) Provide a seamless link for the CFPB’s website for this program.

f) As requested by CFPB, assist in the communication to employees regarding benefits including annual employee meeting and open enrollments.

g) Receive initial eligibility data and biweekly updates electronically from CFPB.

h) CFPB employees shall be mailed a physical “dental enrollment kit” and program information based on the following election events:

• Annual Welcome Benefits Kit (including ID card(s) at the start of the new year benefit service period (currently enrolled)),

• Qualifying Life Event (QLE) changes, and

• New federal hire enrolling during initial 60-day election period through the calendar year.

i) The contractor will submit payments bi-weekly through IPP. For payment and invoice questions, go to https://www.ipp.gov or contact the Accounting Services Division at

(304) 480-8000 option 7 or via email at AccountsPayable@fiscal.treasury.gov.

j) Provide biweekly enrollment reports that indicate all discrepancies in enrollment.

k) Meet with CFPB on an as needed basis to review status of overall operation of the program. Conduct an annual account management satisfaction survey.

l) The plan should be sitused in Washington, DC.

3.4 Claims Administration and Customer Service Requirements. The

Contractor shall adjudicate and process claims including the following:

a) Process all claims on a direct claims verification and payment basis.

b) Provide explanation of benefits (EOB) statements electronically and hard copy mailed directly to the address on file with the contractor.

c) Establish and maintain clean turnaround time consistent with industry standards (90% of clean claims processed in 10 work days or less).

d) Maintain claims processing accuracy at 95% or better.

e) Verify claim charges are for covered employees and dependents.

f) Maintain current, complete and confidential records for each covered person in accordance with the Health Insurance Portability and Accountability Act (HIPAA) of 1996.

g) Maintain a claims service unit with office hours from at a minimum from 8:30 a.m. until 6:30 p.m., Eastern Time (ET), Monday through Friday (except Federal holidays) and installing a message device to handle calls after business hours or on weekends. Providing a toll-free telephone service that has the capability to place calls on hold and queue during peak calling hours. Providing adequate staffing so that all calls are answered on average in 30 seconds.

h) Provide members online services including:

• Benefit plan information

• Web chat with customer service

• Email availability

• Claims status and history

• Financial information, such as deductible status and benefit maximums.

• Download forms (claims)

• Provider Directory https://www.ipp.gov/ mailto:AccountsPayable@fiscal.treasury.gov

• Online Identification Cards

i) Provide direct communication between CFPB administrative staff and the assigned program administrator.

j) Provide legal defense on disputed claims.

k) Provide effective coordination of claims payment and reporting formats.

l) Provide service personnel who are accessible and knowledgeable in all aspects of the CFPB plan.

m) Maintain an automated calendar system to ensure follow-up to correspondence and claims review and establishing a mechanism to resolve errors expeditiously.

n) Prepare a customized administrative manual (i.e., policies, procedures, and forms for administering the plan) to be used by CFPB.

3.5. Management Information System (MIS) / Reporting and Monitoring Service Requirements

a. The Contractor shall provide monthly reports to include current and cumulative year-to-date information including paid and incurred claims, enrollment by employee and dependent lives, and premiums split by sub-group designation.

b. The Contractor shall provide quarterly network savings report and in-versus out-of-network claims report.

3.6 Transition Period

The Contractor shall provide a transition period which will begin at contract award and continue through December 31, 2020. During the transition period, the contractor shall be responsible for setting up the plan design in its system, assisting CFPB with establishing enrollment and billing processes, and providing materials and staffing to aid in the communication of the benefit plan to employees. The new contractor shall be responsible for all claims incurred beginning Jan 1, 2021.

In addition, during the final year of performance for this contract, the contractor will prepare for and assist with a seamless transition to the new contractor (if applicable) by transferring to CFPB and/or the new supplier, as determined by CFPB, within 30 days of notice of this requirement, all required data and records necessary to administer the plans subject to state and federal confidentiality considerations, without a break in service. The transfer may be made electronically, in a file format to be determined based on the mutual agreement between CFPB and the provider of services. The contractor may be asked to provide phase-in, phase out services for up to a one-year period, if necessary.

4.0 DELIVERABLES

The Contractor must provide the following deliverables by the corresponding specified due date:

Deliverable SOR Para. Due Date* Enrollment Report Section 3.3 Biweekly

Program Status Meeting Section 3.3 Quarterly

Account Management Satisfaction Survey Section 3.3 Annually

Customized Administrative Manual Section 3.4 90 Days After Award

Claims Progress Report Section 3.5 Monthly

Claims/Network Savings Report Section 3.5 Quarterly

*These dates are subject to change based on mutual agreement.

**Each biweekly invoice will consist of an alphabetized list of CFPB employees, type of insurance coverage held, and the associated biweekly rate/cost. Only one biweekly invoice should be submitted for payment with the backup documentation as described in this section.

5.0 SPECIAL PROVISIONS

5.1 Period of Performance

The period of performance is one year with four (4) one year option years. At the end of the base year, if exercised, the first option year will begin. If all option years are exercised, the period of performance will not exceed a total of five years. Exercise of any option requires a contract modification signed by the CFPB Contracting Officer.

5.2 Type of Contract

This is a Fixed Price with Economic Price Adjustment (FP-EPA) contract.

SECTION 3

SOLICITATION PROVISIONS

A. PROPOSAL INSTRUCTIONS TO OFFERORS

1. Submission of Proposals. Technical and Price Proposals are due electronically by October 9, 2020 by 3:00 p.m. Eastern Time (ET), to both Vanessa.delToro@cfpb.gov and Jerry.Salinas@cfpb.gov.

All proposals shall have the subject line “RFP-9531CB20R0031.”

Proposals received after the deadline will not be considered.

Facsimile or physical mail transmissions will not be accepted.

2. Questions. Questions concerning this RFP shall be submitted in writing via email to both Vanessa.delToro@cfpb.gov and Jerry.Salinas@cfpb.gov no later than September 30, 2020, 12:00 p.m.

Eastern Time (ET). Questions will be answered in writing through an amendment to the solicitation in beta.SAM.gov.

3. Proposal Preparation

a. The Offeror shall ensure all electronic materials and attachments submitted are formatted in accordance with the CFPB Security Requirements. The following file extensions are not allowable and application materials/data submitted with these extensions cannot be considered: .bat, .cmd, .com, .exe, .pif, .rar, .scr, .vbs, .hta, .cpl, and .zip files

b. Microsoft Office compatible documents are acceptable. If the Offeror determines that other formats are necessary, it is the Offeror’s responsibility to verify with CFPB that those formats are acceptable.

Proposal materials with unacceptable or unreadable formats may be found non-responsive.

c. Offerors are prohibited from communicating about this procurement with any CFPB personnel other than the Contracting Officer and Contract Specialist.

d. All proposal information shall be in the English language. Proposals shall be submitted on standard

8.5 x 11 paper. Font size shall be no smaller than 10 point with margins no less than 1 inch (top, bottom, right, left), including headers, footers, and page numbers. The Offeror shall number each page and provide an index/Table of Contents with each Volume. Graphics, presentations, including tables, shall have spacing and text that is easily readable.

4. Proposal Form and Content

A. The overall proposal shall consist of two separate, written volumes, individually entitled as stated below.

1) Volume I – General/Price

2) Volume II – Technical

B. The volumes of the proposal must conform to the following instructions. Any pages beyond the cited page limitations identified in the following paragraphs will be removed from the proposal, and shall not be considered by the Government. For the purpose of the cited page limitations, “page” is defined as one side of one piece of paper. Additionally, any other information beyond what is requested below, such as brochures or other marketing materials, will be removed from the proposal, and shall not be considered by the Government.

**NOTE – The Government may remove any proposal from further consideration that does not fully comply with all proposal preparation instructions.**

C. Volume I - General, shall include the following items:

i. Cover Letter - Provide a cover letter referencing the solicitation number and signed by an authorized official of the firm. Complete and submit the Contractor Designated POC information in Section II, Para 5.7, titled Contractor Program Manager.

ii. Summary Page or Table of Contents.

iii. Completed Standard Form 1449 - Complete blocks 12, 17 & 30 of the cover page of this RFP

(i.e., Standard Form 1449 “Solicitation/Contract/Order for Commercial Items”).

iv. Acknowledgement of Amendments - Provide an acknowledgement of RFP amendments, if any. The acknowledgement must reference the amendment number(s).

v. A completed copy of 52.204-24, Representation Regarding Certain Telecommunications and

Video Surveillance Services or Equipment

vi. A completed copy of 52.212-3, Offeror Representations and Certifications--Commercial

Items.

vii. Completed Non-Disclosure Agreement form provided as Attachment 1.

viii. Subcontracting Plan. As part of its initial proposal, each large business offeror shall submit a subcontracting plan as prescribed in FAR 52.219-9. If the Offeror does not normally subcontract for services, a narrative, explaining why services are not available to subcontract to small business, shall be submitted.

ix. Rating of Company. Provide the company’s most recent rating or filing (identify date) from each of the following rating agencies. This must be the rating of the prime contractor. If your company is not rated by any of the agencies listed above, please provide a copy of or a link to your most recent audited financial statement.

A.M. Best Rating:____________________ Date______________________

Moody’s Rating______________________ Date____________________________

Standard & Poor’s Rating___________________ Date_____________________

Fitch Rating_____________________ Date________________________

D. Volume I - Price, shall include the following items:

1 A completed Pricing Model (Attachment 2). This includes pricing for the Base Year and Option Year 1. Pricing for the Option Years 2-4 is not required at this time. However, rate change percentages for the Loss Ratio tables must be completed for Option Years 2-4 (also in the Pricing Model (Attachment 2)).

2. A copy of the Offeror’s current SAM registration.

3. The Tax Identification Number (TIN) and DUNS Number of the Offeror.

4. A confirmation by the Offeror that its proposed prices are inclusive of the services outlined in the

Statement of Requirements.

****In pricing the plan, offerors are reminded that CFPB is seeking a plan that will be fully insured and non-participating.

E. Volume II - Technical

1. The Technical Proposal shall be divided into the following sections and is limited to 25 Pages.

a. Plan Design. Offerors shall provide a copy of the Plan Design Chart in Section 3.1 of the Statement of Requirements, and add a column to the Plan Design Chart to demonstrate how they meet the Plan Design Requirements. Offerors shall confirm that they provide all required services and require no deviations from the Plan Design.

Please note: Any deviations to the Plan Design requirements will render the offeror’s proposal technically unacceptable. Offerors must be able to meet all plan design requirements specified in the Statement of Requirements and will not be credited for providing deviations to the specified requirements.

b. Network Coverage.

• Provide a Geographic Access Report, including summary information, based on each of the parameters described below. Label the attachment “Geo Access Report.” Please contact both Vanessa.delToro@cfpb.gov and Jerry.Salinas@cfpb.gov to receive the CFPB census data required to produce your Geographic Access Report.

o Please contact both Vanessa.delToro@cfpb.gov and Jerry.Salinas@cfpb.gov to receive the census data required to produce your Geographic Access Report.

In order to receive the census data for this requirement, the Offeror must submit, as part of its email request to both Vanessa.delToro@cfpb.gov and Jerry.Salinas@cfpb.gov, a signed Non-Disclosure Agreement (NDA) (last page of Attachment 3), signed by an authorized representative of the Offeror.

• Offerors’ Geographic Access Report must be broken down by geographic location based on CFPB employee zip codes (Urban, Suburban, and Rural) and must include:

o the type of provider (General/Family Dentists or Specialist), o the number of respective providers within the Offeror’s network, o the distance from CFPB employees (in miles), o the number of CFPB employees currently requiring service (by provider type), mailto:Vanessa.delToro@cfpb.gov mailto:Jerry.Salinas@cfpb.gov mailto:Vanessa.delToro@cfpb.gov mailto:Jerry.Salinas@cfpb.gov o the number of CFPB employees within your network’s service area, and o the percentage of employees that the Offeror’s network will reach.

• The Geographic Access Report must clearly demonstrate that the Offeror’s Network Coverage meets the minimums detailed in Evaluation Factor 2 (below).

c. Firm Experience. The Offeror shall submit examples of its experience as a prime contractor providing dental benefit services for at least a year. The dental benefit services must have been provided within the last five years (from the proposal submission deadline). The Offeror must submit the following information to demonstrate the experience requirements above.

Customer name and address.

Contract number.

Total dollar value of the contract. If performed as part of a team, provide the dollar value of your firm’s contribution.

Period of contract performance.

Description of services provided, including the specific services provided by your firm.

B. EVALUATION OF PROPOSALS FOR AWARD

1. The CFPB intends to award a single Fixed Price with Economic Price Adjustment (FP – EPA) contract, to the responsible offeror on the basis of the lowest evaluated price of proposals meeting or exceeding the acceptability standards for non-cost factors, which is known as the Low Price Technically Acceptable (LPTA) methodology. A decision on the technical acceptability of the lowest priced Offeror will be made. If the lowest priced Offeror’s proposal is determined to be technically acceptable, an award will be made to that Offeror and technical evaluations of other Offerors will not be conducted. If the lowest priced Offeror’s proposal is determined to be technically unacceptable, the next lowest priced Offeror’s proposal will be evaluated for technical acceptability, and so on.

2. To be accepted and eligible for technical evaluation, Proposals must be prepared in accordance with this solicitation and must comply with the instructions given in this solicitation document and must meet all the solicitation requirements. Proposals meeting the requirements of this solicitation and complying with other contract provisions will be evaluated and award made to the responsible Offeror whose proposal is deemed technically acceptable and offers the lowest total evaluated price.

3. The Proposals will be evaluated based on the following factors:

Factor 1: Financial Rating (Go / No Go Factor) Factor 2: Technical Capability (Plan Design and Network Coverage) Factor 3: Firm Experience Factor 4: Price

Factor 1: Financial Rating) (Go / No Go Factor) – Offerors must meet the following Minimum Financial Rating(s) for at least one (1) of the Rating Agencies below in order to progress to the technical proposal evaluation stage. In lieu of being rated by one (1) or more of these Rating Agencies, the Offeror must have an annual premium volume of $1 billion or more as documented in the Offeror’s annual report. In lieu of providing evidence of its Minimum Financial Rating(s) (set forth below), the Offeror shall provide its annual report as part of its Proposal, in order to verify the Offeror’s annual premium volume.

Failure to meet the evaluation criteria for Financial Rating will deem the offeror’s proposal Unacceptable and Unresponsive and the Proposal will not be further evaluated.

Minimum Financial Ratings:

A.M. BEST: Rating of B+ Standard and Poor’s: Rating of BBB Fitch: Rating of BBB Moody’s: Rating of Baa2

Factor 2: Technical Capability – The degree to which the Offeror’s technical capabilities demonstrates an understanding of and meets the following technical requirements of this solicitation:

a) Plan Design - CFPB will evaluate the offeror’s plan design. and any plan design deviations

(see Section II, Paragraph 3.1). Offerors shall complete the Plan Design Chart in Section 3.1 of the Statement of Requirements. Offerors shall confirm that they provide all required services and require no deviations from the Plan Design.

Please note: Any deviations to the Plan Design requirements will render the offeror’s proposal technically unacceptable. Offerors must be able to meet all plan design requirements specified in the Statement of Requirements and will not be credited for providing deviations to the specified requirements.

b) Network Coverage.

• Offerors must demonstrate minimum geographic network coverage for the following two

(2) types of dental providers: General/Family Dentists and Specialists.

• Minimum geographic network coverage is defined as follows:

Each Offeror must demonstrate that it can provide the minimum coverage standard for both General/Family Dentists and Specialists, respectively, to 85% of all CFPB employees, collectively.

• Minimum coverage standards are as follows:

o Urban Zip Codes:

General/Family Dentists – At least 2 providers within 5 miles.

Specialists – At least 1 provider within 5 miles.

o Suburban Zip Codes:

General/Family Dentists – At least 2 providers within 10 miles.

Specialists – At least 1 provider within 15 miles.

o Rural Zip Codes:

General/Family Dentists – At least 2 providers within 20 miles.

Specialists – At least 1 provider within 25 miles.

• For purposes of this Solicitation:

o “Urban” is defined as a zip code having a population density greater than 3,000 people per square mile.

o “Suburban” is defined as a zip code having a population density of 1,000 – 3,000 people per square mile.

o “Rural” is defined as a zip code population density of less than 1,000 people per square mile.

Factor 3: Firm Experience – The Offeror must have one (1) year of prior experience providing dental benefit services as a prime contractor within the last five (5) years. The Offeror must submit the following information to demonstrate this minimum experience requirement:

Customer name and address.

Contract number.

Total dollar value of the contract. If performed as part of a team, provide the dollar value of your firm’s contribution.

Period of contract performance.

Description of services provided, including the specific services provided by your firm.

Factor 4: Price

The Government will determine which Offeror proposes the lowest evaluated price for the five (5) year period (base year and four option years), using the following methodology and analysis of information supplied in the pricing tables of the Pricing Model (Attachment 2) of this solicitation.

The proposed biweekly premium rates for the Base Year and Option Year 1 will be multiplied by the enrollment by enrollment tier (individual, individual + one, or family), to develop a biweekly premium. That sub-total for the Base Year will then be multiplied by twenty-six (26) to develop an evaluated price for the Base Year, and the sub-total for Option Year 1 will be multiplied by twenty-six (26) to develop an evaluated price for Option Year 1 (note: twenty-six (26) represents the number of biweekly pay periods in each calendar year).

Premiums for Option Years 2-4 will be evaluated using the proposed rate changes by Loss Ratio.

For price evaluation purposes, the Government will select a Loss Ratio based on CFPB’s historical data, and will use it to calculate the evaluated price for Option Periods 2-4. The same Loss Ratio will be utilized by the Government to develop an evaluated price for

Option Periods 2, 3, and 4, and will be used for evaluation purposes only.

C. REPRESENTATIONS, CERTIFICATIONS AND OTHER STATEMENTS

OF OFFERORS

Solicitation Provisions

1.0 FAR 52.204-24 Representation Regarding Certain Telecommunications and Video Surveillance Services or Equipment (August 2020)

The Offeror shall not complete the representation at paragraph (d)(1) of this provision if the Offeror has represented that it “does not provide covered telecommunications equipment or services as a part of its offered products or services to the Government in the performance of any contract, subcontract, or other contractual instrument” in the provision at 52.204-26, Covered Telecommunications Equipment or Services—Representation, or in paragraph (v) of the provision at 52.212-3, Offeror Representations and Certifications-Commercial Items.

(a) Definitions. As used in this provision—

Backhaul, covered telecommunications equipment or services, critical technology, interconnection arrangements, reasonable inquiry, roaming, and substantial or essential component have the meanings provided in the clause 52.204-25, Prohibition on Contracting for Certain Telecommunications and Video Surveillance Services or Equipment.

(b) Prohibition.

(1) Section 889(a)(1)(A) of the John S. McCain National Defense Authorization Act for Fiscal Year 2019 (Pub. L. 115-232) prohibits the head of an executive agency on or after August 13, 2019, from procuring or obtaining, or extending or renewing a contract to procure or obtain, any equipment, system, or service that uses covered telecommunications equipment or services as a substantial or essential component of any system, or as critical technology as part of any system. Nothing in the prohibition shall be construed to—

(i)Prohibit the head of an executive agency from procuring with an entity to provide a service that connects to the facilities of a third-party, such as backhaul, roaming, or interconnection arrangements; or

(ii)Cover telecommunications equipment that cannot route or redirect user data traffic or cannot permit visibility into any user data or packets that such equipment transmits or otherwise handles.

(2) Section 889(a)(1)(B) of the John S. McCain National Defense Authorization Act for Fiscal Year 2019 (Pub. L. 115-232) prohibits the head of an executive agency on or after August 13, 2020, from entering into a contract or extending or renewing a contract with an entity that uses any equipment, system, or service that uses covered telecommunications equipment or services as a substantial or essential component of any system, or as critical technology as part of any system. This https://www.acquisition.gov/content/52204-26-covered-telecommunications-equipment-or-services-representation#id19CAC0P0ESS https://www.acquisition.gov/content/52212-3-offeror-representations-and-certifications-commercial-items#i1060550 https://www.acquisition.gov/content/52204-25-prohibition-contracting-certain-telecommunications-and-video-surveillance-services-or-equipment#id1989I600I4C prohibition applies to the use of covered telecommunications equipment or services, regardless of whether that use is in performance of work under a Federal contract. Nothing in the prohibition shall be construed to—

(i)Prohibit the head of an executive agency from procuring with an entity to provide a service that connects to the facilities of a third-party, such as backhaul, roaming, or interconnection arrangements; or

(ii)Cover telecommunications equipment that cannot route or redirect user data traffic or cannot permit visibility into any user data or packets that such equipment transmits or otherwise handles.

(c) Procedures. The Offeror shall review the list of excluded parties in the System for Award Management (SAM) (https://www.sam.gov) for entities excluded from receiving federal awards for “covered telecommunications equipment or services”.

(d) Representation. The Offeror represents that—

(1)It □ will, □ will not provide covered telecommunications equipment or services to the Government in the performance of any contract, subcontract or other contractual instrument resulting from this solicitation. The Offeror shall provide the additional disclosure information required at paragraph (e)(1) of this section if the Offeror responds “will” in paragraph (d)(1) of this section; and

(2)After conducting a reasonable inquiry, for purposes of this representation, the Offeror represents that—

It □ does, □ does not use covered telecommunications equipment or services, or use any equipment, system, or service that uses covered telecommunications equipment or services. The Offeror shall provide the additional disclosure information required at paragraph (e)(2) of this section if the Offeror responds “does” in paragraph (d)(2) of this section.

(e) Disclosures.

(1) Disclosure for the representation in paragraph (d)(1) of this provision. If the Offeror has responded “will” in the representation in paragraph (d)(1) of this provision, the Offeror shall provide the following information as part of the offer:

(i)For covered equipment—

(A)The entity that produced the covered telecommunications equipment (include entity name, unique entity identifier, CAGE code, and whether the entity was the original equipment manufacturer (OEM) or a distributor, if known);

(B)A description of all covered telecommunications equipment offered (include brand;

model number, such as OEM number, manufacturer part number, or wholesaler number; and item description, as applicable); and https://www.sam.gov/

(C)Explanation of the proposed use of covered telecommunications equipment and any factors relevant to determining if such use would be permissible under the prohibition in paragraph (b)(1) of this provision.

(ii)For covered services—

(A)If the service is related to item maintenance: A description of all covered telecommunications services offered (include on the item being maintained: Brand; model number, such as OEM number, manufacturer part number, or wholesaler number; and item description, as applicable); or

(B)If not associated with maintenance, the Product Service Code (PSC) of the service being provided; and explanation of the proposed use of covered telecommunications services and any factors relevant to determining if such use would be permissible under the prohibition in paragraph (b)(1) of this provision.

(2) Disclosure for the representation in paragraph (d)(2) of this provision. If the Offeror has responded “does” in the representation in paragraph (d)(2) of this provision, the Offeror shall provide the following information as part of the offer:

(i)For covered equipment—

(A)The entity that produced the covered telecommunications equipment (include entity name, unique entity identifier, CAGE code, and whether the entity was the OEM or a distributor, if known);

(B)A description of all covered telecommunications equipment offered (include brand;

model number, such as OEM number, manufacturer part number, or wholesaler number; and item description, as applicable); and

(C)Explanation of the proposed use of covered telecommunications equipment and any factors relevant to determining if such use would be permissible under the prohibition in paragraph (b)(2) of this provision.

(ii)For covered services—

(A)If the service is related to item maintenance: A description of all covered telecommunications services offered (include on the item being maintained: Brand; model number, such as OEM number, manufacturer part number, or wholesaler number; and item description, as applicable); or

(B)If not associated with maintenance, the PSC of the service being provided; and explanation of the proposed use of covered telecommunications services and any factors relevant to determining if such use would be permissible under the prohibition in paragraph (b)(2) of this provision.

2.0 FAR 52.204-26 COVERED TELECOMMUNICATIONS EQUIPMENT OR SERVICES-

REPRESENTATION (DEC 2019)

(a) Definitions. As used in this provision, “covered telecommunications equipment or services” has the meaning provided in the clause 52.204-25, Prohibition on Contracting for Certain Telecommunications and Video Surveillance Services or Equipment.

(b) Procedures. The Offeror shall review the list of excluded parties in the System for Award Management (SAM) (https://www.sam.gov) for entities excluded from receiving federal awards for “covered telecommunications equipment or services”.

(c) Representation. The Offeror represents that it □ does, □ does not provide covered telecommunications equipment or services as a part of its offered products or services to the Government in the performance of any contract, subcontract, or other contractual instrument.

(End of provision)

3.0 FAR 52.212-3 “OFFEROR REPRESENTATIONS AND CERTIFICATIONS—COMMERCIAL ITEMS

(AUG 2020)” applies. The contractor shall complete representations and certifications online at https://www.sam.gov/

The applicable NAICS code is 524114, Direct Health and Medical Insurance Carriers, and the size standard is $41.5 Million.

https://www.acquisition.gov/far/52.204-25#FAR_52_204_25

SECTION 4

CONTRACT CLAUSES

1.0 FAR 52.212-4, Contract Terms and Conditions-Commercial Items (Oct 2018) is incorporated by reference

2.0 Addendum to FAR 52.212-4

2.1 CFPB Local Clauses – Attachment 3

3.0 FAR 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. Also, the full text of a clause may be accessed electronically at this/these address(es): https://www.acquisition.gov/.

FAR 52.203-17 Contractor Employee Whistleblower Rights and Requirement to Inform

Employees of Whistleblower Rights (Jun 2020).

FAR 52.204-4 Printed or Copied Double-Sided on Postconsumer Fiber Content Paper (May

2011).

FAR 52.204-13 System for Award Management Maintenance (Oct 2018).

FAR 52.204-24, Prohibition on Contracting with Certain Telecommunications and Video

Surveillance Services or Equipment (Aug 2020) FAR 52.227-14 Rights in Data-General (May 2014) FAR 52.232-39 Unenforceability of Unauthorized Obligations (Jun 2013).

FAR 52.232-40 Providing Accelerated Payments to Small Business Subcontractors (Dec 2013).

FAR 52.242-13 Bankruptcy (Jul 1995).

FAR 52.243-1 Changes-Fixed Price (Aug 1987).

FAR 52.246-4 Inspection of Services – Fixed Price (Aug 1996).

4.0 FAR 52.212-5 Contract Terms and Conditions Required to Implement Statutes or

Executive Orders-Commercial Items (Aug 2020).

(a) The Contractor shall comply with the following Federal Acquisition Regulation (FAR) clauses, which are incorporated in this contract by reference, to implement provisions of law or Executive orders applicable to acquisitions of commercial items:

(1) 52.203-19, Prohibition on Requiring Certain Internal Confidentiality Agreements or Statements (Jan 2017) (section 743 of Division E, Title VII, of the Consolidated and Further Continuing Appropriations Act, 2015 (Pub. L. 113-235) and its successor provisions in https://www.acquisition.gov/ https://www.acquisition.gov/content/part-52-solicitation-provisions-and-contract-clauses#i52_203-19 subsequent appropriations acts (and as extended in continuing resolutions)).

(2) 52.204-23, Prohibition on Contracting for Hardware, Software, and Services

Developed or Provided by Kaspersky Lab and Other Covered Entities (Jul 2018) (Section 1634 of Pub. L. 115-91).

(3) 52.204-25, Prohibition on Contracting for Certain Telecommunications and Video Surveillance Services or Equipment. (Aug 2020) (Section 889(a)(1)(A) of Pub. L. 115-232).

(4) 52.209-10, Prohibition on Contracting with Inverted Domestic Corporations (Nov 2015).

(5) 52.233-3, Protest After Award (Aug 1996) (31 U.S.C. 3553).

(6) 52.233-4, Applicable Law for Breach of Contract Claim (Oct 2004) (Public Laws 108-

77 and 108-78 (19 U.S.C. 3805 note)).

(b) The Contractor shall comply with the FAR clauses in this paragraph (b) that the

Contracting Officer has indicated as being incorporated in this contract by reference to implement provisions of law or Executive orders applicable to acquisitions of commercial items:

[Contracting Officer check as appropriate.] XX (1) 52.203-6, Restrictions on Subcontractor Sales to the Government (Sept 2006), with

Alternate I (Jun 2020) (41 U.S.C. 4704 and 10 U.S.C. 2402).

XX (2) 52.203-13, Contractor Code of Business Ethics and Conduct (Jun 2020)

(41 U.S.C. 3509)).

__ (3) 52.203-15, Whistleblower Protections under the American Recovery and Reinvestment

Act of 2009 (June 2010) (Section 1553 of Pub. L. 111-5). (Applies to contracts funded by the American Recovery and Reinvestment Act of 2009.)

XX (4) 52.204-10, Reporting Executive Compensation and First-Tier Subcontract Awards (Jun 2020) (Pub. L. 109-282) (31 U.S.C. 6101 note).

__ (5)[Reserved].

XX (6) 52.204-14, Service Contract Reporting Requirements (Oct 2016) (Pub. L. 111-

117, section 743 of Div. C).

__ (7) 52.204-15, Service Contract Reporting Requirements for Indefinite-Delivery Contracts

(Oct 2016) (Pub. L. 111-117, section 743 of Div. C).

XX (8) 52.209-6, Protecting the Government’s Interest When Subcontracting with Contractors

Debarred, Suspended, or Proposed for Debarment. (Jun 2020) (31 U.S.C. 6101 note).

XX (9) 52.209-9, Updates of Publicly Available Information Regarding Responsibility Matters

(Oct 2018) (41 U.S.C. 2313).

__ (10)[Reserved].

__ (11)

(i) 52.219-3, Notice of HUBZone Set-Aside or Sole-Source Award (Mar 2020) (15 U.S.C.657a).

__ (ii) Alternate I (Mar 2020) of 52.219-3.

https://www.acquisition.gov/content/part-52-solicitation-provisions-and-contract-clauses#id189A70O0P1N https://www.acquisition.gov/content/part-52-solicitation-provisions-and-contract-clauses#unique_252523041 https://www.acquisition.gov/content/part-52-solicitation-provisions-and-contract-clauses#i1062680 https://www.acquisition.gov/content/part-52-solicitation-provisions-and-contract-clauses#i1048661 http://uscode.house.gov/browse.xhtml;jsessionid=114A3287C7B3359E597506A31FC855B3 https://www.acquisition.gov/content/part-52-solicitation-provisions-and-contract-clauses#i1048698 http://uscode.house.gov/browse.xhtml;jsessionid=114A3287C7B3359E597506A31FC855B3 https://www.acquisition.gov/content/part-52-solicitation-provisions-and-contract-clauses#i1063319 http://uscode.house.gov/browse.xhtml;jsessionid=114A3287C7B3359E597506A31FC855B3 http://uscode.house.gov/browse.xhtml;jsessionid=114A3287C7B3359E597506A31FC855B3 https://www.acquisition.gov/content/part-52-solicitation-provisions-and-contract-clauses#i1063504 http://uscode.house.gov/browse.xhtml;jsessionid=114A3287C7B3359E597506A31FC855B3 https://www.acquisition.gov/content/part-52-solicitation-provisions-and-contract-clauses#i1063607 https://www.acquisition.gov/content/part-52-solicitation-provisions-and-contract-clauses#i1064087 http://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title31-section6101&num=0&edition=prelim https://www.acquisition.gov/content/part-52-solicitation-provisions-and-contract-clauses#i1064214 https://www.acquisition.gov/content/part-52-solicitation-provisions-and-contract-clauses#i1064243 https://www.acquisition.gov/content/part-52-solicitation-provisions-and-contract-clauses#i1062590 http://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title31-section6101&num=0&edition=prelim https://www.acquisition.gov/content/part-52-solicitation-provisions-and-contract-clauses#i1062651 http://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title41-section2313&num=0&edition=prelim https://www.acquisition.gov/content/part-52-solicitation-provisions-and-contract-clauses#i1057314 http://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section637a&num=0&edition=prelim…