Amendment One.docx

SAP

State of South Carolina

AMENDMEMENT ONE (Only items highlighted in yellow or Q&A are subject to additional questions)

Solicitation:

Date Issued:

Procurement Officer:

Phone:

E-Mail Address:

Mailing Address:

5400017351 4/11/2019

JO MARIE BROWN,CPPO, CPPB

803-896-0670 jmbrown@mmo.sc.gov SFAA, Div. of Procurement Services, MMO PO Box 101103 Columbia SC 29211

DESCRIPTION: Student Accident Insurance

USING GOVERNMENTAL UNIT: Coastal Carolina University

SUBMIT YOUR OFFER ON-LINE AT THE FOLLOWING URL: http://www.procurement.sc.gov

SUBMIT OFFER BY (Opening Date/Time): 04/23/2019 5/7/2019 at 11:00 am (See "Deadline For Submission Of Offer" provision)

QUESTIONS MUST BE RECEIVED BY: 04/04/2019 4/17/2019 at 3:00 pm (See "Questions From Offerors" provision)

NUMBER OF COPIES TO BE SUBMITTED: One (1) Online Submission in SCEIS with Cover Pages 1 & 2

CONFERENCE TYPE: Non-Mandatory Pre-bid DATE & TIME: 4/04/2019 at 10:30 am

(As appropriate, see "Conferences - Pre-Bid/Proposal" & "Site Visit" provisions)

LOCATION:

You must submit a signed copy of this form with Your Offer. By signing, You agree to be bound by the terms of the Solicitation. You agree to hold Your Offer open for a minimum of thirty (30) calendar days after the Opening Date. (See "Signing Your Offer" provision.)

NAME OF OFFEROR

(full legal name of business submitting the offer) Any award issued will be issued to, and the contract will be formed with, the entity identified as the Offeror. The entity named as the offeror must be a single and distinct legal entity. Do not use the name of a branch office or a division of a larger entity if the branch or division is not a separate legal entity, i.e., a separate corporation, partnership, sole proprietorship, etc.

AUTHORIZED SIGNATURE

(Person must be authorized to submit binding offer to contract on behalf of Offeror.)

DATE SIGNED

TITLE

(business title of person signing above)

STATE VENDOR NO.

(Register to Obtain S.C. Vendor No. at www.procurement.sc.gov )

PRINTED NAME

(printed name of person signing above)

STATE OF INCORPORATION

(If you are a corporation, identify the state of incorporation.)

OFFEROR'S TYPE OF ENTITY: (Check one) (See "Signing Your Offer" provision.)

___ Sole Proprietorship ___ Partnership ___ Other_____________________________

___ Corporate entity (not tax-exempt) ___ Corporation (tax-exempt) ___ Government entity (federal, state, or local)

COVER PAGE - ON-LINE ONLY (MAR. 2015)

SAP

PAGE TWO

(Return Page Two with Your Offer) HOME OFFICE ADDRESS (Address for offeror's home office / principal place of business)

NOTICE ADDRESS (Address to which all procurement and contract related notices should be sent.) (See "Notice" clause)

_________________________________________________ Area Code - Number - Extension Facsimile

_________________________________________________ E-mail Address

PAYMENT ADDRESS (Address to which payments will be sent.) (See "Payment" clause)

____Payment Address same as Home Office Address ____Payment Address same as Notice Address (check only one) ORDER ADDRESS (Address to which purchase orders will be sent) (See "Purchase Orders and "Contract Documents" clauses)

____Order Address same as Home Office Address ____Order Address same as Notice Address (check only one)

ACKNOWLEDGMENT OF AMENDMENTS

Offerors acknowledges receipt of amendments by indicating amendment number and its date of issue. (See "Amendments to Solicitation" Provision)

DISCOUNT FOR PROMPT PAYMENT

(See "Discount for Prompt Payment" clause)

PREFERENCES - A NOTICE TO VENDORS (SEP. 2009): Preferences do not apply per SC Consolidated Procurement Code Section 11-35-1524

PREFERENCES - ADDRESS AND PHONE OF IN-STATE OFFICE:

____In-State Office Address same as Home Office Address ____In-State Office Address same as Notice Address (check only one)

PAGE TWO (SEP 2009)

End of PAGE TWO

QUESTIONS FROM OFFERORS - AMENDMENT (JUN 2017)

THE SOLICITATION IS AMENDED AS PROVIDED HEREIN. INFORMATION OR CHANGES RESULTING FROM QUESTIONS WILL BE SHOWN IN A QUESTION- AND-ANSWER FORMAT. ALL QUESTIONS RECEIVED HAVE BEEN REPRINTED BELOW. THE “STATE’S RESPONSE” SHOULD BE READ WITHOUT REFERENCE TO THE QUESTIONS. THE QUESTIONS ARE INCLUDED SOLELY CROSS-REFERENCE TO THE POTENTIAL OFFEROR THAT SUBMITTED THE QUESTION. QUESTIONS DO NOT FORM A PART OF THE CONTRACT; THE “STATE’S RESPONSE” DOES. ANY RESTATEMENT OF PART OR ALL OF AN EXISTING PROVISION OF THE SOLICITATION IN AN ANSWER DOES NOT MODIFY THE ORIGINAL PROVISION EXCEPT AS FOLLOWS: UNDERLINED TEXT IS ADDED TO THE ORIGINAL PROVISON. STRICKEN TEXT IS DELETED. [02-2A097-1]

Questions and Answers

1. Pg. 38 of the RFP requests 5 benefit period options; 1 year, 2 year, 3 year, 4 year and 5 year. Are you asking for the rate for each policy period? Can you clarify?

Response: The University is requesting a rate per student for five consecutive years.

2. We have reviewed the RFP for this insurance with several of our underwriters. All of them have requested more current (through 4/1/19) claims paid experience. The experience your RFP provided showed claims paid through November 2018. Also if there is a breakdown of the following in these claims paid reports:

-number of accidents needing treatment each year -type of injury (broken leg, laceration, etc.) for each accident -activity when the injury occurred (driving to campus, baseball, etc.)

Response: A spreadsheet named “Detailed student accident loss runs 2014_2019” has been made available for the period of 8/1/14 to present.

3. Please confirm the benefit period for years 2014/15 to current Response: The policy period began 8/1/2014 and has renewed each year on 8/1.

4. Can we get detailed losses? It would be helpful to see which claims are from athletic injury vs student accident, adjust claims for over completing, etc.

Response: See the spreadsheet named “Detailed student accident loss runs 2014_2019”

5. Paid claims report. They appear to have had a policy effective 8/1/14-8/1/15, 8/1/15-8/1/16 and a policy with a 2-year term of 8/1/14-8/1/16. Can we get additional information about this policy and a clear breakdown of paid claims for each policies?

Response: The previously awarded contract began on 8/1/2014 and has renewed each year with the current expiration being 8/1/2019. Also see the spreadsheet named “Detailed student accident loss runs 2014_2019”

6. On claims data (Attachment A), the first row shows the policy period as 8/1/14 to 8/1/15 and the second row shows 8/1/14 to 8/1/16. We're assuming the top two rows are for the same policy period and that the 8/1/16 policy expiration date is supposed to be 8/1/15. Please confirm this detail and if this is accurate, please confirm that the total incurred for the 2014-15 year was $560,451.

Response: See response to question 7.

7. Assuming the total incurred for 2014-15 was $560,451, can you please provide additional detail on why the claims were so high for this policy period? Relative to the other years, the claim payouts were almost 2x as much as any other year.

Response: The University believes that the amount is due to a lag associated with support from the broker and claims delayed and not paid for a number of months due to contractual issues.

8. On the claims data, can you please provide a breakout between which claims are Student Accidents and which claims are Intercollegiate Sports related? If all Student Accidents, please confirm.

Response: See the spreadsheet named “Detailed student accident loss runs 2014_2019”

9. Can you please provide the premium from the 2015-2016 policy year?

Response: The University paid $24.50 per student for the 2015-2016 policy year.

10. Are you able to provide the break-out of paid claims between intercollegiate sports injury vs. student accident injury (non-sports)?

If so, please provide the split for each year shown.

Response: See the spreadsheet named “Detailed student accident loss runs 2014_2019”

11. Have intercollegiate sports injuries always been included in the student accident plan? If not, which year(s) did not include ICS injuries?

Response: Intercollegiate sports injuries have been included in the student accident plan.

12. Please provide a copy of the Intercollegiate Sports policy and provide any plan changes from policy 2015-16 through current 2018-19 (ie. Deductibles, co-insurance policy maximum, etc) Response: A document named “2018-2019 Schedule of Benefits Intercollegiate Sports” has been made available which provides the schedule of benefits for the intercollegiate sports policy.

13. Has the plan design and medical limit always been $10,000 through AIG? If not, what was the plan design and medical limit previously and when did it change?

Response: The current plan has been consistent with no changes.

14. Does the University carry a secondary athletic insurance policy to cover student-athletes after the $10,000 maximum under this policy has been reached?

Response: Yes, the University carries a secondary athletic insurance policy.

15. Do you mandate primary insurance for any students or student-athletes?

Response: Insurance is strongly encouraged; however, about 15% of the 450 athletes may have little to no coverage.

16. Does the University purchase any additional policies to cover club sports participants or intramural participants?

Response: The University does not have any additional policies to cover club sport or intramural participants.

17. Will there be a separate solicitation forthcoming for the secondary intercollegiate sports coverage?

Response: The University does not anticipate a separate solicitation at this time.

18. Could you please provide an updated loss runs and an updated loss summary? The loss runs provided in the RFP are as of November 2018. Could you please request updated info from your current broker or insurance carrier?

Response: See the spreadsheet named “Detailed student accident loss runs 2014_2019”

19. Can you please provide a copy of the policy or benefit summary from the policy so we can be sure we are matching existing benefits exactly?

Response: A document named “Student Accident Policy Dec Pages 2019_2019” has been made available which provides this information.

20. Can you provide a list of the top providers paid under this policy and the amounts paid per year to them under this policy?

Response: The University does not have this information available.

21. Can you confirm if any sports were added or deleted in the 2015, 2016, 2017, or 2018 policy year? If so, can you let us know which sports were added or deleted?

Response: The University added beach volleyball in 2015. No sports have been deleted.

22. Do you have any contracts or agreements with medical providers for reduced cost care?

Response: The University does not have contracts/agreements with medical providers for reduced cost care.

23. Does the University purchase additional insurance policies for students studying abroad or traveling with the University overseas?

Response: The University does purchase international travel insurance for students traveling abroad.

24. Please provide the specifics between the Student Accident coverage (current bid) versus NCAA Athlete Accident coverage (referenced on page 16, 3.10 of the bid document) so there’s no confusion with everyone participating in this bid. Apologies if I’ve missed this in the document, but it will be helpful to know exactly when the athletes are covered on this program versus the NCAA Athlete Accident program.

Response: Athletes have primary coverage through their personal insurance, excess coverage through the student accident policy, and tertiary coverage through the NCAA.

25. For example:

Does this program cover all students and athletes at all times EXCEPT when they’re playing their individual sport? OR Does this program cover all students and athletes at all times for the first $10K excess of any individual health insurance? And does the NCAA Athlete Accident program kick-in once the underlying health insurance and $10K Student Accident program has been exhausted? – we believe it’s this one.

Response: The program covers all students and athletes at all times for the first $10k excess of individual coverage and the NCAA coverage applies once the primary insurance and student accident coverage pays.

26. Can we obtain a full copy of the current policy/plan with AIG?

Response: A document named “Student Accident Policy Dec Pages 2019_2019” has been made available which provides this information.

27. Please provide the paid through date for the paid claims shown in Attachment A or provide an updated report as of 3/31/19 Response: See the spreadsheet named “Detailed student accident loss runs 2014_2019”

28. Please provide a copy of the Student Accident Plan and provide any plan changes from policy 2015-16 through current 2018-19 (ie. Deductibles, co-insurance policy maximum, etc) Response: A document named “Student Accident Policy Dec Pages 2019_2019” has been made available which provides this information. Plan coverages have been the same for the contract period.

29. Please provide a detailed claim reports for both the Intercollegiate Sports Policy and Student Accident Policy for policy years 2015-16 through current 2018-19 Response: See the spreadsheet named “Detailed student accident loss runs 2014_2019”

30. Please provide enrollment count for the Mandatory Student Accident Plan. In addition, please provide the detailed losses and current policy Response: The enrollment counts are as follows:

See responses to questions 2 and 19. SAP

Attachments:

· Detailed Student Accident Loss Runs 2014-2019

· 2018-2019 Schedule of Benefits Intercollegiate Sports

· Student Accident Policy Dec Pages 2018-2019

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