Addendum 1

RFP #409-22 Insurance Broker Services

RFP #410-22 INSURANCE BROKER SERVICES

ADDENDUM #1

Bid Closing Date: October 31, 2022, at 10:30AM, EST

Bid Issue Date: September 30, 2022

Addendum Issue Date: October 20, 2022, 2022

By: Melissa Hawk, Purchasing Manager

The following are amendments to the RFP #410-22 Insurance Broker Services:

1. The requirement to compile and provide accurate data required to process the bi-annual transitional reinsurance program payments to the Internal Revenue Services (IRS). This must be received by the County Human Resources Director in a timely manner as to meet the payment date requirements of the IRS has been removed as the County is no longer a self-insured entity.

2. The Addendum date release has been modified to October 20, 2022

3. All other dates, other specifications, terms and conditions remain the same as posted in the

RFP document.

The following are questions and answers to the RFP #410-22 Insurance Broker Services:

QUESTION: Can you provide the plan design for Health, Life, Vision, Dental and

Hospitalization?

ANSWER: The County is unable to provide this material due to fact that the requested information is protected by the Georgia Open Records Act, when public disclosure is not required

O.C.G.A. § 50-18-72(a)(20)(A). states “…Records that reveal an individual’s… insurance or medical information in all records…” is to be withheld from public disclosure.

However, the County can advise that the carrier for Medical, Dental and Vision is Humana; Life insurance is provided through Standard. These policies will not expire until June 2023.

QUESTION: Who is your medical carrier/TPA and how many years have you been with this carrier?

ANSWER: Humana is our medical carrier. We have been with them since July 1, 2022. The

County does not utilize a third-party administrator.

QUESTION: Who is your most recent stop loss provider and what has caused change in providers?

ANSWER: NFP, our current contractor. NFP’s contract will conclude at the end of December

2022. The contract has exhausted all renewal year options.

QUESTION: Who is your current Benefit Broker? How long have you been with them?

ANSWER: NFP, our current contractor, February 15, 2018.

QUESTION: What is your current compensation arrangement with your broker? Is your advisor paid by fees directly by the county or as a percentage of premium paid by the carriers?

ANSWER: $30.00 per enrolled employee per month for medical insurance. This is paid by the carrier.

QUESTION: What is your preferred compensation arrangement with your advisor?

ANSWER: The County does not have a specific preferred method, only to ensure that the technique is in the best interest of the County.

QUESTION: Please provide the total annual compensation paid to the current employee benefits consultant.

ANSWER: NFP is not compensated by the County directly but, instead is compensated by the

QUESTION: Does your current employee benefits consultant provide additional services for the county beyond the employee benefits (i.e., Workers Comp, retirement services, etc.)?

ANSWER: No.

QUESTION: Does your current Employee Benefits Consultant have an office in Dawson

County?

QUESTION: Are there service concerns and/or limitations with your current consultant?

ANSWER: In deciphering this question, we believe the answer should be that the current contract cannot be renewed due to all renewal option years being exhausted.

QUESTION: What is your greatest challenge with the current employee benefits consultant?

ANSWER: Marketing of products

QUESTION: Does the County provide Retiree medical benefits?

ANSWER: Not at this time, but it is a consideration for the future.

QUESTION: Who do employees contact when they have benefit questions?

ANSWER: The 1-800 NFP help line or the Dawson County Human Resources Office.

QUESTION: Does your current broker fund or pay for COBRA, FSA or ACA Reporting?

QUESTION: How do you handle ACA Reporting?

ANSWER: For the first two years of the current Insurance Broker Services contract, the County utilized Medcom for ACA Reporting and Employer-Provided Health Insurance forms. On

September 8, 2020, the county executed a contract amendment to include this reporting in the NFP contract. The cost is below.

QUESTION: What HRIS system are you currently using? Do you have carrier feeds?

ANSWER: The County utilizes SmartFusion by Harris Corporation to maintain attendance and

PTO use, pay raises and history, pay grades and positions held, personal employee information, monthly employee-paid benefits. The County does not currently use carrier feeds but, instead uploads information through an Excel spreadsheet.

QUESTION: Do you utilize any one-on-one enroller services?

ANSWER: The County does not utilize one-on-one enroller services; however, the current contract has utilized these services during open enrollment and for monthly benefit sessions.

QUESTION: Who is your current PBM? What discounts and rebates are guaranteed and auditable? How are taking advantage of specialty cost containment? (Coupon maximization?)

ANSWER: The pharmacy benefits manager is an employee of our current contractor, NFP.

QUESTION: Who performs your current bill audits? How often?

ANSWER: Our current contractor, NFP, performs bill audits on a monthly basis.

QUESTION: Do you currently have a population health management tool?

QUESTION: What is the current comprehensive strategy/scope of services for your onsite clinic?

ANSWER: The County does not have an on-site clinic.

QUESTION: What is your current communication strategy to reach all generations in your workforce?

ANSWER: In-person events, emails, flyers, videos and newsletters.

QUESTION: Are Employees self-serve on the HRIS system? For Example, do employees utilize your HRIS for enrollment and changes throughout the year, or is that done by contacting HR?

ANSWER: The Dawson County Human Resources Office handles these functions.

QUESTION: Is this RFP being issued due to procurement requirements or for some other reason?

ANSWER: All renewal option years will be exhausted as of December 31, 2022.

QUESTION: When were the employee benefits plans (medical, dental, vision, etc.) last marketed?

ANSWER: January – May, 2022.

QUESTION: When would you anticipate marketing the employee benefits plans (medical, dental, vision, etc.)?

ANSWER: Immediately upon contract execution and a strategic planning session with the

Dawson County Human Resources staff in preparation for January 1, 2023.

QUESTION: Please share a few specific challenges the County would like to address regarding the benefits programs over the next several years.

ANSWER: Increased marketing options, an earlier annual enrollment period, exchange of electronic data.

QUESTION: Is the County interested in changing the current employee benefits administrator

(i.e., the technology platform)?

ANSWER: The current technology platform system belongs to NFP; therefore, the County must change the system if NFP is not chosen through this RFP process.

QUESTION: Are there service concerns, limitations, or pain points with your current employee benefits administrator (i.e., the technology platform)?

QUESTION: Does the county wish to continue using the current vendor for online benefits administration?

QUESTION: If so, is the cost of this service paid by the county or the broker?

ANSWER: Providing the technology platform is currently and shall be in the new contract, the responsibility of the Insurance Broker Services contractor.

QUESTION: What is the selected broker’s role in helping the county meet reporting obligations under IRS Code Section 6055 and 6056?

ANSWER: Please see the answer above for ACA Reporting and Employer-Provided Health

Insurance forms.

QUESTION: Please provide the total annual compensation paid to the current employee benefits consultant for calendar year 2021.

ANSWER: $30.00 per enrolled employee per month for medical insurance. This is paid by the

QUESTION: Are there service concerns and/or limitations with the County’s current level of advisory services?

ANSWER: The County would like to see increased marketing options, an earlier annual enrollment period, exchange of electronic data

QUESTION: When was the last RFP and vendor selection for medical, dental, and vision coverage conducted?

ANSWER: The County does not release RFPs for the services above; however, NFP marketed for these categories in January – May, 2022.

QUESTION: What do you believe are the biggest challenges you face when it comes to the

County’s overall benefit strategy?

ANSWER: Increased marketing options, an earlier annual enrollment period, exchange of electronic data

QUESTION: The Scope of Work includes providing information to the “County’s contracted consultant” to produce reports, including but not limited to ACA. Please confirm if ACA reporting and 1095 form distribution is managed and paid for by your current advisor or does the County fund these services?

ANSWER: For the first two years of the current Insurance Broker Services contract, the County utilized Medcom for ACA Reporting and Employer-Provided Health Insurance forms. On

September 8, 2020, the county executed a contract amendment to include this reporting in the NFP contract. The cost is below.

QUESTION: Please confirm is the Be-Swift enrollment platform is provided and funded by the current advisors or does the County pay for this technology platform and enrollment services?

ANSWER: The Be-Swift system belongs to NFP and it is included in the contract services.

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