ESBD_525520_1782849918158_RFP 2606-001 HR Benefits Hospital Indemnity Insurance Q&A Final.pdf
PDF 7 KB Posted
- Attached to
- HR Benefits - Hospital Indemnity Insurance
- Solicitation number
- 2606-001
- Issued by
- Travis County, Austin City, Texas
About this file
This is a Questions and Answers document for Solicitation 2606-001 issued by Central Health (Travis County Healthcare District) in Texas for hospital indemnity insurance coverage. Central Health seeks proposals for new supplemental hospital indemnity insurance as dual option high/low plans covering approximately 2,300 active employees and their dependents across four coverage tiers: Employee Only, Employee + Spouse, Employee + Child(ren), and Employee + Family. The insurance must include guarantee-issue enrollment with no evidence of insurability required for all employees regardless of medical history, and no pre-existing condition waiting periods for returning plan participants during annual open enrollment. The coverage effective date is January 1, 2027, with proposals due July 13, 2026. The enrollment system is UKG, and the carrier must accept electronic eligibility file feeds on a weekly basis at no cost to Central Health. The contract term is one year with four optional one-year renewal periods at Central Health's discretion, with renewal quotes required by April 1 annually and 120 days written notice required for termination.
All team member contributions are 100% employee-funded with no employer cost or carrier commissions; pricing must be submitted net of commissions with all fees and administrative costs itemized on the provided Pricing Sheet. Central Health will administer benefits in-house and currently has no incumbent hospital indemnity carrier, as this represents new coverage. The current major medical carrier is Aetna, in place since 2023. Central Health requires carriers to accept 60-day payment terms and waive all "actively at work" provisions. New employees are eligible to enroll on the first of the month following their hire date. Carriers must provide summary/self-billing payment options and specify any credits, funds, or subsidies for technology and communication costs. Evaluation criteria include Account Management (10%), Customer Service and Support (20%), Claims Administration (20%), Utilization and Reporting Capabilities (10%), Implementation Plan (10%), Fee Structure (20%), and Underwriting and Renewal Process (10%), with potential additional interview/demonstration scores (20%). Central Health will conduct a two-step evaluation process with written proposal review followed by potential interviews of short-listed finalists. Good Faith Effort regarding MBE/WBE participation is required, and mandatory submittal requirements include completion of Exhibit A-2 Questionnaire, Acknowledgement of Receipt Form, HUB certification documentation, conflict of interest disclosures, insurance coverage documentation, and acceptance of sample contract terms and Business Associate Agreement.
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Questions & Answers - 1
Solicitation 2606-001 - HR Benefits - Hospital Indemnity Insurance
Buying Organization Travis County Healthcare District dba Central Health
No Question/Answer Question Date
Q1 Question: Effective Date?
I am looking for the effective date for the group
Answer: January 1, 2027
06/16/2026
Q2 Question: Follow up questions
1. Please confirm whether guarantee issue at initial enrollment is required for all benefit eligible employees, and if so, whether this requirement also applies to late entrants.
2. Please clarify Central Health's minimum expectation regarding auto claims and/or medical integration
, including any required functionality or preferred capabilities
3. Please confirm whether prior integration experience with UKG Ready is required or preferred and whether proposers should include specific examples
4. Please confirm whether the indemnity coverage is expected to include waiting periods for pre existing conditions
Answer: 1. Please refer to Exhibit A-2: Questionnaire, “Hospital Indemnity” tab, row 39. Yes, the bid is seeking Hospital Indemnity quotes that include initial enrollment with a Guarantee Issue amount with no
Evidence of Insurability required for all 2,300 active team members, regardless of medical history.
2. Please refer to Exhibit A-2: Questionnaire, “General” tab, row 16. We will require the carrier to take an electronic eligibility file feed on a weekly basis. The carrier will need to accept an electronic file and any cost associated are waived. The benefits administration vendor is UKG.
3. Specific examples are preferred.
4. Please refer to Exhibit A-2: Questionnaire, “Hospital Indemnity” tab, row 7. We request the carrier to offer a true annual open enrollment each year with no waiting periods for team members who have previously waived coverage on the plan.
06/22/2026
Q3 Question: Premium Paiment
Is the Group Hospital Indemnity product funded by the employer? Is any part of the premium employer paid?
Answer: No, it is 100% employee paid.
06/23/2026
Q4 Question: Summary Plan Benefit
Could you please provide a summary plan benefit of your current medical plan or plans being offered to employees?
Answer: We are offering three (3) medical plans, attached.
06/23/2026
Q5 Question: Waiting Period
What is your waiting period for new employees to be eligible to enroll in your benefits program?
Answer: First of the following month after hire dates
06/23/2026
No Question/Answer Question Date
Q6 Question: Enrollment Technology
What is the system being used for enrollment?
Ex:, Employer Navigator other.
Answer: [Answer provided]: UKG
06/23/2026
Q7 Question: Current Carrier
Who is the current carrier providing the Hospital Indemnity product?
Answer: We do not have this current plan and so there is no incumbent carrier information.
06/23/2026
Q8 Question: Number of Employees & Costs Paid
Please let me know some details regarding the RFP for Hospital Indemnity Insurance including # of employees to be covered, whether costs will be funded by the employer, employee or some combination.
Answer: # of employees 2300
100% employee paid
06/24/2026
Q9 Question: Provide Census
Please provide a census?.
Answer: The census, Exhibit A-1, along with other attachments, can be found on Bidnet and ESBD.
Please refer to the solicitation packet for the link to review those attachments.
06/24/2026
Q10 Question: Certificate of products
Certificate of products being requested?
Answer: We currently do not have a indemnity policy, therefore there is no current certificate.
06/24/2026
Q11 Question: Commissions
[Question via email] Commissions?
Answer: No Commission
06/24/2026
Q12 Question: Benefits Admin
[Question via email] Ben Admin info?
Answer: I am not sure of the question. We administer our own benefits.
06/24/2026
Q13 Question: Claims History
Three (3) years of Hospital Indemnity claims history
Answer: We do not have this current plan and so there is no incumbent carrier information.
06/24/2026
Q14 Question: Enrollment Census
Current enrollment census (if available)
Answer: The census, Exhibit A-1, along with other attachments, can be found on Bidnet and ESBD.
Please refer to the solicitation packet for the link to review those attachments.
06/25/2026
No Question/Answer Question Date
Q15 Question: Incumbent Carrier
Any renewal or incumbent carrier information that may be relevant to the review
Answer: We do not have this current plan and so there is no incumbent carrier information.
06/25/2026
Q16 Question: Census & Exhibits
The RFP for the above does not contain a census for quoting. It refers to it in the RFP as Exhibit 1A, but is not attached. Would you please send us the census so we may prepare a bid for you? Any other documents for Central Health Travis County Hospital Districts RFP are appreciated so we can prepare a thorough proposal for you.
Answer: The census, Exhibit A-1, along with other attachments, can be found on Bidnet and ESBD.
Please refer to the solicitation packet for the link to review those attachments.
06/25/2026
Q17 Question: Direct or Broker is Central Health looking to contract directly with a carrier only, or would a benefits broker/consultant arrangement also be considered?
Answer: We are only looking to contract directly with a carrier.
06/25/2026
Q18 Question: Meeting Link
Also, could you please send the meeting link or meeting ID for the call?
Answer: For the link for the Pre-Proposal Conference, please refer to Bidnet. It contains the Addendum
No 1 with the link to the call.
06/25/2026
Q19 Question: Purchasing Contract
Will you consider accessing a previously arranged purchasing contract that is already available where the RFP has already been completed?
Answer: I am not sure of the question. The bid response needs to be submitted through Bidnet by the due date.
06/25/2026
Q20 Question: Supplement Health Insurance
Regarding the hospital Indemnity Insurance, I want to make sure that you all are looking for supplemental health insurance correct?
Answer: Yes, however supplemental health insurance is a broad term. Specifically, we are seeking quotes for a dual option high/ low Hospital Indemnity plans as new insurance coverage. Please quote net commission.
06/25/2026
Q21 Question: Past Carrier
Who was the last carrier that they had before in terms of major medical health insurance?
Answer: The current medical carrier is Aetna since 2023. The Hospital Indemnity plans would be new coverage.
06/25/2026
Questions & Answers - 1
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