ESBD_379720_1730752713714_Addendum 7_Q&As.pdf

Questions & Answers - 1

Solicitation 2510-006 - Life, Short & Long Term Disability Employee Benefits

Buying Organization Travis County Healthcare District dba Central Health

No Question/Answer Question Date

Q1 Question: Life Questions

•Please provide the following for the last five years (the experience included in the RFP is only through

2022):

Paid premium

Paid claims

Volume

Lives

Detailed claim listing

•Please provide the 3/1/2025 proposed renewal rates

•Looking at current lives and the 2022 experience lives there has been an increase of roughly 800+ lives. Has this growth been from organic steady growth, or something else (acquisitions, new locations, expansion etc)?

•Have there been any plan changes in the last five years?

Answer: [a] Refer to Attachments J, K & L _UHC Life Experience and Attachment M_ Additional

Disability Experience. All additional documents have been posted on Bidnet and ESBD with

Addendum’s 4 and 6.

[b] At this time, renewal rates are not available.

[c] There has been an increase in growth due to organic steady growth.

[d] There have not been any plan changes for either life or disability (STD/LTD) in the last five years.

10/18/2024

No Question/Answer Question Date

Q2 Question: Rates for STD and LTD

There are NO rates shown for either STD or LTD. Can you please provide rate information for both STD and LTD. Thank you.

Answer: [a] Short Term Disability

The total rate for this insurance is $0.344 Per $10 weekly benefit.

The employee will contribute 69.5% of the total rate.

[b] Coverage Amount

Covers 60% of the employee earnings, up to a maximum of $1400 per week.

No additional coverage can be purchased.

Included Earnings

Annual Base Salary

[c] Long Term Disability

The total rate for this insurance is $0.511 per $100 of monthly covered payroll.

The employer will contribute 100% of the total rate.

-Coverage Amount

Covers 60% of the employee earnings, up to a maximum of $6000 per month.

(No rounding applied)

No additional coverage can be purchased.

[d] Included Earnings

Annual Base Salary

10/22/2024

Q3 Question: STD Question - Experience

•I noticed only 12 months’ worth of STD experience was provided. Is there additional STD experience available?

Answer: See response to Question 1.

10/22/2024

Q4 Question: STD - ER Contributions

•Is the STD 100% employee paid or is there employer contribution?

Answer: This is 100% employee paid, but we are exploring options for employer paid.

10/22/2024

Q5 Question: BOR/Consultant

Could you please confirm your Broker of Record/Consultant?

Answer: Frost Insurance Agency, Inc.

10/22/2024

Q6 Question: Information needed

Could you provide the following?

-A current bill/premium statement showing the monthly billed lives/premium for each of the coverages

-Rate history for all products dating back to 3-1-08

-Paid life claims listing dating back to 3-1-08

-STD and LTD certificates

-Additional STD experience data

Answer: [a]: The most recent STD/LTD invoice for both groups (0003 SLA & 0004 L6Z) was posted with Addendum 4 as Attachment I, MetLife Invoice 11.24. [b}: At this time, we are only providing only data history from 2017 - 2024 is provided on the “Rate History” tab on Exhibit B, Response Template. [c

- part i]: Refer to Attachment D UHC Life Paid Claim Report for available life claims history. [c - part ii]:

LTD certificates can be found in Attachment F - Metlife Plan Documents._ Note: This file must be downloaded on BidNet. Note: Due to file restrictions, Attachment F cannot be posted on ESBD and is only on BidNet. [d]: For additional STD experience data, see response to Question 1.

10/23/2024

Q7 Question: AD&D Confirmation

-The Basic AD&D plan document is showing class 2 (part-time) as a 1xAE benefit that matches the BL.

The renewal document we got is showing the class 2 BA as 2xAE, and not matching the BL. Can you confirm which it is?

Answer: Basic AD&D class 2 (part-time) match the Basic Life at 1xBAE

10/24/2024

Q8 Question: Certificates

Can we get copies of the STD and LTD certificates.

Answer: For STD and LTD certificates, refer to Attachment F - "Metlife Plan Documents."

10/24/2024

Q9 Question: Experience

Can we get STD and LTD experience? Can we get a claim listing for Life and Disability with open claim reserves (WOP and LTD Open Claims)

Answer: [a]: For STD and LTD experience, see response to question 1. [b]: For a life and disability with open claim reserves (WOP and LID Open Claims) claims listing, refer to Attachment H - STD LTD

Claim Status.

10/24/2024

Q10 Question: Life Experience

•Can we please get updated experience through 2024?

•Can the experience be consolidated for all groups by coverage?

•Are any credits/fees being requested?

Answer: See response to Question 2

10/24/2024

Q11 Question: Submissions

We need more clarification since it only specifies that tabs and required forms don’t count towards the page limit. Do the below items count towards the page limit?

•Exhibit B (Excel doc)

•Requested attachments (sample claim forms, team chart, etc.)

•Table of Contents

Answer: Exhibit B and Requested Attachments are considered Required Forms and will not be counted towards the page count. Table of Contents counts as it is considered optional.

10/24/2024

Q12 Question: Child Life Rates

-The Child Life rate is showing as 2.60 per 1k since 1/1/2023 but that is an awfully high rate for child life.

It was .20 prior. Can you confirm it is actually 2.6 per 1k?

Answer: This is an error. The correct rate is .20. **** A new version of Exhibit B has been posted as

"REVISED - Exhibit B - Response Template_ RFP 2510-006." Please disregard the initially posted

Exhibit B.******* The rate is correct on the REVISED - Exhibit B - Response Template_ RFP 2510-006.

10/25/2024

Q13 Question: Insurance for contract

Can the insurance requirement be fulfilled by the subcontractor or Does the prime contractor need to hold an insurance policy as well?

Answer: The prime awardee of the contract must meet the insurance requirement.

10/28/2024

Q14 Question: Census Clarifications

Please provide the current census with an indicator for differentiating Family and Employee Voluntary

AD&D.

Answer: The census is broken down by employee only AD&D coverage. Anything outside of that is voluntary Family AD&D coverage.

10/28/2024

Q15 Question: Census Clarifications

2.The census shows Spouse and Child Voluntary AD&D a.is this Family AD&D?

b.If not please provide certs and rates for the coverages.

Answer: Yes, see response to Question 14.

10/28/2024

Q16 Question: Disabilty Underwriting

Per Rate History tab the current LTD rate is .586% please provide the effective date the rate increased from .511% to .586%

Answer: March 1, 2024

10/28/2024

Q17 Question: Disabilty Underwriting

Per Rate History tab the LTD rate has increased from .315% to .461% to .511% to .586%. Please provide details for rate increases and the effective dates (ie….renewal rate increases or plan updates?)

Answer: Renewal rate increases.

10/28/2024

Q18 Question: Disabilty Underwriting

Please provide current reserves for all Active LTD claims as listed on the LTD claim Listing exhibit.

Answer: Refer to Attachment G – Travis County Healthcare District, tab “Summary Info.”

10/28/2024

Q19 Question: Disabilty Underwriting

Please provide net benefit for Active LTD claims where Social Security benefits have been approved

Answer: See Attachment G – Travis County Healthcare District, tab “Claim List”

10/28/2024

Q20 Question: Disabilty Underwriting

Please confirm that the current STD plan is voluntary with 30% employer contribution and the group is also looking for an employer paid option.

Answer: [a] Current STD plan is voluntary with a 30% employer contribution

[b] We are also looking for an employer paid STD option

10/28/2024

Q21 Question: Disabilty Underwriting

Please confirm whether the group currently has telephonic claims service on the STD.

Answer: Claim form required. Claim customer service available by phone.

10/28/2024

Q22 Question: Disabilty Underwriting

Please confirm what (if any) state retirement plans the group participates in, and which classes participate.

Answer: We do not participate in any state retirement plans.

10/28/2024

Q23 Question: Disabilty Underwriting

Please provide additional STD experience, preferably back to 8/1/2019, but at a minimum an additional

12 months (STD experience provided was only 1 year)

Answer: See response to question 1.

10/28/2024

Q24 Question: Disability Underwriting

Please confirm the following plan updates are being requested a.STD weekly maximum benefit from $1,400 to $3,000 b.LTD Monthly Maximum benefit from $6,000 to $10,000 c.STD from voluntary to Employer Paid (Would group like to see quotes at $1,400 MWB and $3,000

MWB?)

Answer: [a] We would like quotes for our existing limits, $1,400 MWB for STD and $6,000 MWB for

LTD

- Quote should include for 30% employer contribution & 100% employer paid

[b]Provide options for covering a pre-existing condition for a limited period.

10/28/2024

Q25 Question: Exhibit F Question

In replacement of Exhibit F – Certificate of Secretary, would you accept our Assistant Secretary

Certificate which proves our Vice President is Authorized to sign binding contracts?

Answer: Yes, we will accept an Assistant Secretary’s Certificate in lieu of a Certificate of Secretary.

10/29/2024

Q26 Question: [Question received at pre-proposal conference]

Is it two divisions or two separate groups?

Answer: [a] Two independent entities under one contract. – ONE EIN; two companies quasi and one non-profit.

[b] One implementation meeting; entities bill separately.

[c] The Travis County Healthcare District is an enterprise composed of three individual independent entities. Structure – One enterprise master contract; two groups (Completely separate finance departments.). Invoices will need to go independently to each of the entities now. [i]Community Care – own board, 501c3 [ii] Sendero/Central health – own board, quasi-governmental agency

****To clarify, only one contract will be awarded for this solicitation. There will be two billing groups.****

10/31/2024

Q27 Question: [Question received at pre-proposal conference]

Seeking coverage for 1900 Employees total? (Does this include both entities)?

Answer: Yes, this total includes both entities.

10/31/2024

Q28 Question: [Question received at pre-proposal conference]

Will there be two separate implementation meetings?

Answer: No, we can do one [implementation meeting].

10/31/2024

Q29 Question: [Question received at pre-proposal conference]

Is it possible to know the current incumbent and if so can you provide the solicitation number for the life

AD&D and short and long term disability?

Answer: [a] The incumbent for life is United Healthcare. [b] The incumbent for S and long term is

Metlife.

10/31/2024

Q30 Question: [Question received at pre-proposal conference]

Breakdown into divisions?

Answer: Report includes columns to identify divisions.

10/31/2024

Q31 Question: [Question received at pre-proposal conference]

Is there an opportunity for BAFO?

Answer: [a] We don’t know if we will be needing BAFO or a formal presentation. [b] Round 2 is to be determined, if needed.

10/31/2024

Q32 Question: [Question received at pre-proposal conference]

Are there services that we would like to receive that we are not receiving.

Answer: We are happy with the services. What we are asking for [in the RFP 2510-006] is straightforward to what we need.

10/31/2024

Q33 Question: [Question received at pre-proposal conference]:

What is on the wish list?

Answer: [a] Really good price. [b] We do care about our relati8nship with our vendor. It is important. [c]

A responsive company, as needed. [d] We need reporting and billing broken out for both basic companies (CUC and CH/Sendero (together).

10/31/2024

Q34 Question: [Question received at pre-proposal conference]

Are there services that the organization is not receiving that they would like to be receiving from their life and disability carriers?

Answer: We are happy with the services. What we are asking for [in the RFP 2510-006] is straightforward to what we need.

10/31/2024

Q35 Question: [Question received at pre-proposal conference]:

The calendar that was sent out for the life and disability, said the meeting was at 2:00 so I just was confused and didn't know if you were going to redo anything at 20 clock or not so.

Answer: [Addendum 2] was posted [prior to the meeting] with the updated time and pre-proposal conference link.

10/31/2024

Q36 Question: [Question received via email]:

There is no rate information for the STD and LTD products. Will you be posting something regarding this sooner rather than later.

Answer: See response to Question 2.

10/31/2024

Q37 Question: [Question received via voicemail]:

I got your email saying you received my question regarding the RFP for life and disability, but there’s a little problem. Normally, the organization provides their current rates for the current benefits and there is no current rate information for short or long-term disability, so we have no idea what we are currently looking at. So that’s why I asked that question.

Had I been able to get that information, I would have asked yesterday on our call, so as soon as I was able to get into BidNet and look at that information from Metlife, there’s nowhere in there where that they put their rates or any kind of summary of the plans, so we have no idea.

It’s just strictly utilization and the plan documents.

It’s not any kind of rate information at all, so that’s why I was asking. Because to turn the quote around for that portion for 1200-1800 people. It’s pretty substantial for underwriting to do, so I’m just giving you a heads up, it may not happen because there is no current rate information offered.

Answer: See response to Question 1.

10/31/2024

Questions & Answers - 1