QandA__2__DBM_Health_SLEOLA_MDOT-MTA_Medical_BPM051063__9.25.2025_FINAL.pdf

Questions and Answers #2

Request for Proposals (RFP) for

DEPARTMENT OF BUDGET AND MANAGEMENT, OFFICE OF PERSONNEL SERVICES AND

BENEFITS (DBM OPSB)

HEALTH PLAN ADMINISTRATION AND SERVICES

[PREFERRED PROVIDER ORGANIZATION, SELF-FUNDED (PPO-SF) AND EXCLUSIVE

PROVIDER ORGANIZATION, SELF-FUNDED (EPO-SF); INTEGRATED HEALTH MODEL,

FULLY-INSURED (IHM-FI); AND POINT SOLUTIONS]

SOLICITATION NUMBER: F10B6600001 / BPM051063

AND

STATE LAW ENFORCEMENT OFFICERS LABOR ALLIANCE (SLEOLA) MEDICAL PLAN

ADMINISTRATION AND SERVICES (PPO, EPO, & POS, SELF-FUNDED)

SOLICITATION NUMBER: F10B6600004 / BPM051063

AND

MARYLAND DEPARTMENT OF TRANSPORTATION MARYLAND TRANSIT ADMINISTRATION

(MDOT-MTA)

MDOT-MTA REPRESENTED MEDICAL & STOP LOSS INSURANCE (PPO-SF AND HMO-SF)

AND VISION (SELF-FUNDED) PLAN HEALTH BENEFITS ADMINISTRATION AND SERVICES

[PREFERRED PROVIDER ORGANIZATION, SELF-FUNDED (PPO-SF) AND HEALTH

MAINTENANCE ORGANIZATION, SELF-FUNDED (HMO-SF)]

SOLICITATION NUMBER: AGY-24-026-SR-A / BPM051063

September 25, 2025

Dear Prospective Offeror:

This list of Questions and Answers #2, questions #99 through #158, is being issued to clarify certain information contained in the above RFP. This numerical sequencing begins with question #99; questions #1 through #98 were answered in Questions and Answers #1, issued on September 22, 2025.

As previously advised, in most instances the Department’s response to the submitted questions merely serves to clarify the existing requirements of the RFP. Sometimes, however, in submitting questions potential Offerors may make statements or express interpretations of contract requirements that may be inconsistent with the Department’s intent. To the extent

RFP No. F10B6600001 / F10B6600004

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that the Department recognizes such an incorrect interpretation, the provided answer will note that the interpretation is erroneous and either state that the question is moot once the correct interpretation is explained or provide the answer based upon the correct interpretation.

No provided answer to a question may in and of itself change any requirement of the RFP. If it is determined that any portion of the RFP should be changed based upon a submitted question, the actual change may only be implemented via a formal amendment to the RFP.

In this situation the answer provided will reference the amendment containing the RFP change.

99. Q&A #1, ITEM 72 CORRECTION: Provide a full census for FA 1, FA 4 and FA 5 to appropriately analyze discounts, etc. requested. When will a census be available?

RESPONSE: See response to #3.

The Technical Proposal for Functional Area 5[Ext 5.TechProp FA5 Attachments List (Medical HMO-PPO Plans) 2025.8.9] document is “locked” although it states “enter comments” – we are unable to complete. There are some drop down boxes that “work” but the comments are locked. Can they please be “unlocked?”RESPONSE: The Exhibit 5 Technical Proposal FA5 Attachments List (Medical HMO-PPO Plans) and Exhibit 5 Technical Proposal FA6 Attachments List (Vision Plan) documents were not intended to be responsive forms. The purpose is to provide offerors with a list of the documents included within the Exhibit 5 Technical Proposal documents for Functional Areas 5 and 6.

100. CORRECTION: THIS IS A SEPARATE QUESTION WHICH WAS

INADVERTENTLY INCLUDED AS PART OF THE RESPONSE TO Q&A #1,

ITEM 72: The Technical Proposal for Functional Area 5[Ext 5.TechProp FA5 Attachments List (Medical HMO-PPO Plans) 2025.8.9] document is “locked” although it states “enter comments” – we are unable to complete. There are some drop down boxes that “work” but the comments are locked. Can they please be “unlocked?”

RESPONSE: The Exhibit 5. Technical Proposal FA5 Attachments List (Medical HMO-PPO Plans) and Exhibit 5 Technical Proposal FA6 Attachments List (Vision Plan) documents were not intended to be responsive forms. The purpose is to provide offerors with a list of the documents included within the Exhibit 5 Technical Proposal documents for Functional Areas 5 and 6.

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101. RFP Question: MYRG Application to Premium vs. Administrative Charges for

Functional Area 2. For Functional Area 2, is it acceptable for the Multi Year Rate Guarantee (MYRG) to be applied specifically to the Administrative Charges—defined as charges covering claims management, enrollment and billing, customer service, and account management—or is the MYRG required to apply to the total premium for the plan? Kindly specify the intended application and provide any relevant definitions or guidance regarding the treatment of Administrative Charges versus total premium in this context.

RESPONSE: The intended application of a multi-year rate guarantee in FA2 is total premium.

102. Is the State able to share current member services call/chat annual volume, % digital interactions vs calls, as well as Care, case and disease management annual case volume?

RESPONSE: The available data from calendar year 2023 is provided in the chart below by

DBM.

The MDOT-MTA does not have this data at this time.

103. Ext_8.NAIC_Model_Coor_Prov-DBM.Health.SLEOLAMedical_2025.8.9(1).

Please confirm that this Exhibit / NAIC Regulation is applicable to an offeror submitting a bid pertaining to a point solution only.

RESPONSE: The NAIC COB Provision is not applicable to any offeror submitting a proposal for Point Solution (FA3) only.

104. To ensure optimal performance of our point solutions, does the state anticipate facilitating the transfer of relevant claims data from its carrier(s) to awarded vendors? If so, could you clarify the expected process and frequency of data sharing?

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RESPONSE: While this is the State’s expectation, the process and frequency have not yet been determined or established.

105. Can you confirm the submission format of TABs in Word? We do not know of the ability to formulate tabs in a pdf/word submission and would like clarification on this instruction.

RESPONSE: A separate page identifying each “Tab” should be created in Word. See the attached document entitled, “SAMPLE Section 5.3.2 'Tabs' in Word 9.24.25.”

106. Given the Questions for clarification deadline is Friday, September 12, do you anticipate extending the deadline for proposal submissions to allow for responses and thus potential proposal updates based on those responses?

RESPONSE: Not at this time. See Amendment #3, Item 1 for the new Proposal Due (Closing) Date and Time.

107. As the RFP was just received this week by some vendors, we request an extension to allow a full 6-week review and response period. Can you extend the submission deadline to 10/24/2025?

108. Please provide current prevalence rates for Diabetes and Hypertension.

RESPONSE: The State can report that, in the most recent quarter, 10.5% of our members are being treated for diabetes and 27% are being treated for hypertension.

109. Are GLP-1s currently covered for weight loss, or is the State of MD considering future coverage?

RESPONSE: GLP-1’s are not covered for weight loss. Any drug used for weight loss is excluded from the State’s Plan. The State is not considering future coverage at this time.

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110. What chronic condition programs exist today? Are the current programs delivering significant clinical outcomes? What key challenges and successes have you observed so far?

RESPONSE: The State offers a diabetes management program through the current Pharmacy Benefits Management Services and Purchasing Pool Management (PBM) contract.

Participation has been low, and successes are few. The biggest challenges are awareness and participation.

111. What specific online reports or data does the State want to access?

RESPONSE: The State would expect to review the entire suite of reports available and request that those which can be customized are identified accordingly.

112. FA3 EXHIBIT 5-5: Questionnaire -Q-26. Can you elaborate on Provider treatment profile and how that is defined/what this would consist of?

RESPONSE: Provider treatment profile includes record of a healthcare provider’s qualifications, specializations, accepted insurance, treatment modalities and practice information.

113. What cost containment or savings strategies have already been implemented across your population (e.g., formulary management, steerage programs, site-of-care redirection, etc.)?

RESPONSE: Primarily formulary management at this time, as well as some prior authorization requirements.

114. Which of these cost containment strategies have yielded the most measurable impact, and how are you evaluating their success?

RESPONSE: Formulary management has yielded some measurable success, specifically related to GLP-1 utilization.

115. Are there any upcoming cost-saving initiatives or programs you plan to implement in the next 12–24 months?

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RESPONSE: Not specifically at this time.

116. How do you envision vendors or partners integrating with your current and future cost containment strategies?

RESPONSE: Initially, through measurable and thoughtful strategies, ultimately reaching successful outcomes for the State’s participants.

117. Do you currently have a GLP-1 management strategy in place (e.g., clinical criteria, step therapy, lifestyle program integration)?

RESPONSE: Current GLP-1 management strategy is clinical criteria only.

118. Are GLP-1 medications included in your formulary, and if so, under what utilization management protocols?

RESPONSE: Yes, there are GLP-1 medications included in the State’s formulary. Currently, Utilization Management protocols require Type 2 Diabetes and/or Major Adverse Cardiovascular Events (MACE).

119. Do you currently have a Virtual Primary Care (VPC) solution in place? If so, who are your key partners?

RESPONSE: The State does not currently have a VPC solution in place.

120. What metrics or outcomes are you using to evaluate the success of your VPC model

(e.g., total cost of care, patient satisfaction, quality scores)?

RESPONSE: The State does not currently have a VPC solution in place.

121. Exhibit 4 IT 1.4.1B - What are acceptable contact mechanisms? Email? Phone

Support? Web-Based support portal?

RESPONSE: Usually email or phone support would be adequate, but depending on the user base, a web-based portal may be more appropriate.

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122. Exhibit 4 IT 1.4.1D - What is the definition of "Emergency"?

RESPONSE: The template usually includes a table for severity levels of issues or outages.

Emergency usually refers to a total loss of access, or a business-critical or time-critical functionality. For example, being unable to receive or send emails may be considered an "emergency" for gmail, but an inability to spell-check likely does not constitute an "emergency".

123. Exhibit 4 IT 1.4.2H - What are the SLAs for an on-demand recovery request?

RESPONSE: 24 hours.

124. RFP Statement of Work 2.3.1.3 - What is defined as an "Administrative Function"?

RESPONSE: Examples include customer service, payment of claims, and processing eligibility.

The proposal must identify any and all functions that would be performed offshore for review.

125. In reviewing the reference requirements for Functional Area 3, we’ve found the following descriptions:

1.2 Offeror Minimum Qualifications, Functional Area 3

The Offeror must document in its Proposal that it satisfies the following Minimum Qualifications:

1.2.1 The Offeror shall have at least three (3) years of experience providing at least one (1) Point Solution (as defined in Appendix 1, MMM) for more than 25,000 active employees per year.

1.2.1.1 Required Documentation: As proof of meeting this requirement, the Offeror shall provide with its Proposal one (1) reference showing proof of having provided at least one (1) Point Solution for at least one (1) group with more than 25,000 employees for at least three (3) years.

1.2.2 The Offeror shall have experience providing at least one (1) Point Solution (as defined in Appendix 1, MMM) for a public sector entity with more than 25,000 active employees.

1.2.2.1 Required Documentation: As proof of meeting this requirement, the Offeror shall provide with its Proposal one (1) reference showing

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proof of having provided at least one (1) Point Solution for a public sector client with more than 25,000 active employees.

Exhibit 5

III. REFERENCES

Complete the following tables with the requested reference information.

1.

Provide three of your employer client references (a minimum of 25,000 covered lives or your largest) offering point solutions in the area that will be serving most of the State’s employees.

Information Reference #1 Reference #2 Reference #3 Company Name Click here to enter text.

Click here to enter text.

Click here to enter text.

Contact Person Click here to enter text.

Click here to enter text.

Click here to enter text.

Title Click here to enter text.

Click here to enter text.

Click here to enter text.

Telephone # Click here to enter text.

Click here to enter text.

Click here to enter text.

E-mail Address Click here to enter text.

Click here to enter text.

Click here to enter text.

Network Name Click here to enter text.

Click here to enter text.

Click here to enter text.

# Members Enrolled

Click here to enter text.

Click here to enter text.

Click here to enter text.

Effective Date of Contract

Click here to enter a date.

Click here to enter a date.

Click here to enter a date.

Description of Services provided

Click here to enter text.

Click here to enter text.

Click here to enter text.

2. Provide three of your terminated employer clients (a minimum of 25,000 covered lives or your largest) that offered point solutions in the area that will be serving most of the State’s employees.

Information Reference #1 Reference #2 Reference #3 Company Name Click here to enter text.

Click here to enter text.

Click here to enter text.

Contact Person Click here to enter text.

Click here to enter text.

Click here to enter text.

Title Click here to enter text.

Click here to enter text.

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Telephone # Click here to enter

Click here to enter text.

Click here to enter text.

E-mail Address Click here to enter text.

Click here to enter text.

Click here to enter text.

Network Name Click here to enter text.

Click here to enter text.

Click here to enter text.

# Members Click here to enter text.

Click here to enter text.

Click here to enter text.

# Members Enrolled at Date of Termination

Click here to enter text.

Click here to enter text.

Click here to enter text.

Effective Date of Contract

Click here to enter a date.

Click here to enter a date.

Click here to enter a date.

Termination Date of Contract

Click here to enter a date.

Click here to enter a date.

Click here to enter a date.

Reason for Termination

Click here to enter text.

Click here to enter text.

We understand the need for at least one public sector client with over 25,000 lives and one client with over 25,000 lives for at least 3 years per the minimum requirements. For the other references, do they all need to be at least 25,000 lives?

RESPONSE: In response to RFP §§ 1.2.3 and 1.2.4, all submitted references shall represent clients with more than 25,000 employees for each Point Solution, as identified and submitted in response to §1.2.1.1.

126. Would it be possible to get an extension on the RFP due date, due to the delay in providing the files needed (i.e. census & experience)?

127. Can you confirm that for the FA3 - Point solution submission whether we are required to provide services to Medicare Retiree populations?

RESPONSE: Services will not be extended to the State’s Medicare Retiree population.

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128. Can you confirm based on census data the following are groups should be assumed in our financial proposal?

a) Actives

b) Direct Pay

c) Satellite

d) Non-Medicare Retirees

e) Medicare Retirees

RESPONSE: Yes, for Functional Areas 1 and 2.

129. Can you provide the total member lives associated with the DBM Health Plan

Administration and Services RFP NO. F10B6600001 / BPM051063 – FA3 – Point Solutions to be assumed for financial proposal purposes?

RESPONSE: The financial proposal has been intentionally designed as fee based only. Any subject notes should be reflected in Tabs 2-2 and 2-4.

130. FA3 EXHIBIT 5-5: Questionnaire - Q 10-12. Can you clarify “Number of plans terminated”, should this be interpreted as “Health Plan Partners”?

RESPONSE: Actual terminated plans whether through a Health Plan Partner or Direct.

131. FA3 EXHIBIT 5-7: Performance Guarantees PG-3. Please clarify how many meetings we should expect each year?

RESPONSE: Section 2.2.1.10 provides the following guidance: The State expects to conduct up to 60 open enrollment and health fairs plus 40 or more annual wellness events throughout the State each year to answer employee and retiree questions and enhance engagement in the plans offered. The Contractor(s) shall be required to attend all open enrollment health fairs and wellness events, both in-person and virtually when specified. The State reserves the right to adjust the number of events if needed. The selected Contractor(s) for Functional Area 3 shall participate in these benefit and wellness fairs to educate the population on its services.

132. FA3 EXHIBIT 5-7: Performance Guarantees PG-9. Please confirm that the State of

Maryland will accept member NPS surveys administered through the app.

RESPONSE: The State currently conducts all plan surveys annually and is not accepting NPS surveys.

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133. FA3 EXHIBIT 5-4: Compliance Checklist -Question CC-24. Please elaborate on support services for all open enrollments during the contract term.

RESPONSE: Details are available under FA3 EXHIBIT 5-7 under PG-3.

134. FA3 EXHIBIT 5-4: Compliance Checklist -Question CC-24. Please elaborate on support services for all open enrollments during the contract term.

RESPONSE: Details are available under FA3 EXHIBIT 5-7 under PG-3.

135. FA3 EXHIBIT 5-4: Compliance Checklist -Question CC-2.5. How many benefit fairs both in-person and virtually would occur annually, and will the State of Maryland guarantee attendees will be trained on the State benefit plan in the context of their MSK solution?

RESPONSE: Section 2.2.1.10 provides the following guidance: The State expects to conduct up to 60 open enrollment and health fairs plus 40 or more annual wellness events throughout the State each year to answer employee and retiree questions and enhance engagement in the plans offered. The Contractor(s) shall be required to attend all open enrollment health fairs and wellness events, both in-person and virtually when specified. The State reserves the right to adjust the number of events if needed. The selected Contractor(s) for Functional Area 3 shall participate in these benefit and wellness fairs to educate the population on its services.

The Contractor is responsible for ensuring attendees are trained on the State benefit plan. The State will provide limited support.

136. FA3 EXHIBIT 5-7: Performance Guarantees Section 2.3.10.2. Section 2.3.10.2 Report

Requirements (of the RFP) by submitting the Quarterly Plan Performance Measurement Report Card (Report Card) - Is the State of Maryland seeking vendors will be required to make formal calculations and pay applicable fees on a quarterly basis?

RESPONSE: FA3 EXHIBIT 5-7 – PG6 addresses the quarterly Report Card. The measurement is quarterly, and liquidated damages are assessed annually. If four quarters do not meet the measurement criteria, the calculation is per quarter as outlined under Liquidated Damages.

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137. FA3 EXHIBIT 5-7: Performance Guarantees PG-7. Are simple acknowledgements of messages received from the State of Maryland, within one (1) business day, considered compliant and sufficient in terms of responsiveness?

RESPONSE: A response is required within 1 Business Day and should be either an acknowledgment or update on a resolution.

138. Proposal Deadline. Will the State except our technical responses on 9/23/25 and extend the due date for pricing? We have not received the corresponding data in time to provide rating by 9/23/25?

139. Sample Contracts Section 29.2. What is the scope for subcontractors under the Sample

Contract Section 29.2? We believe this has to do with MBE/VSBE requirements. Could you please confirm?

RESPONSE: Section 29.2 requires a Contractor to provide information on all subcontractors associated with State of Maryland contracts looking back 4 years. Information will be requested by the Commission on Civil Right only after the filing of a complaint against the Contractor.

https://codes.findlaw.com/md/state-finance-and-procurement/md-code-state-fin-and-proc-sect-19-116/

140. Sample Contract FA 4 and FA 5. What is the "not to exceed (NTE) amount" referenced in section 4, 4.1 Consideration and Payment?

RESPONSE: The NTE is the amount approved by the Board of Public Works for contractual spending. This amount is closely monitored by the Contractor and the Department.

141. DBM_SLEOLA_MDOT-MTA Medical JointRFP 6FAs (FINAL 8.9.25) FA 4 and 5.

2.3.5.9 Contractor(s) shall accept prescription claims data from the State’s Pharmacy Benefits Manager (PBM) as determined by the EBD Director to manage wellness and Disease Management obligations Are we to quote Medical only? Or will proposals with carved in Pharmacy be accepted?

RESPONSE: Proposals should be for medical benefits only.

https://codes.findlaw.com/md/state-finance-and-procurement/md-code-state-fin-and-proc-sect-19-116/ https://codes.findlaw.com/md/state-finance-and-procurement/md-code-state-fin-and-proc-sect-19-116/

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142. Apdx 2-FinProp_FA4_SLEOLA. Appendix 2.6 contains existing data in the "Trend

Factor" row 15. Are we to override this data with the Offeror's trend information?

RESPONSE: Instructions on 2-1 indicate:

Additionally, provide guarantees for aggregate discount percentage and medical trend for the first five (5) years of the contract, as well as the amount at risk for each guarantee.

143. #1 Appendix 2 – Financial Proposal (FA3):

The FA3 Financial Proposal form requires Offerors to provide administrative fees as a dollar amount (e.g., PEPM), but does not specify whether other pricing structures are permissible.

Can the State confirm whether Offerors may propose alternative pricing models—such as a percentage of savings or percentage of plan-paid spend—for their point solution offerings? If permitted, how should such models be reflected in the Financial Proposal form, given that the current template requires a dollar amount entry for evaluation?

RESPONSE: Offerors shall illustrate administrative fees as proposed including ‘other pricing structures’. Notes should be reflected on tabs 2-2 and 2-4.

144. #2 Section 3.11.4.6, page 137. The RFP states that “Travel will not be reimbursed under this RFP.” For certain point solution models (such as Centers of Excellence), members may occasionally need to travel outside their local area to access designated providers. Can the State clarify how such infrequent member travel and lodging costs should be addressed under this arrangement? Specifically, will State consider an alternative mechanism for handling these costs if they arise?

RESPONSE: Offerors shall incorporate any unanticipated, infrequent member travel and lodging costs into its fully loaded, firm fixed administration and network access fee on the financial proposal form for the respective functional area proposed. The State will not consider an alternative mechanism for handling these costs if they arise during contract performance.

145. Although the State’s AHEAD plan is mentioned in several places (including reporting), is this in effect today at the State? Are there samples of what is needed for 2027?

RESPONSE: No. The AHEAD model is still in development. Offerors are being asked to agree to future requirements.

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146. Can medical ID cards be digital unless a member calls in to ask for a paper card? Cards can also be printed from our website?

RESPONSE: Not at this time – physicial ID cards remain a requirement.

147. Q&A #1, ITEM 48 CORRECTION: Who are the incumbent(s) on the each of the plan(s) listed on the solicitation?

RESPONSE: See the response to Question #46 REVISED RESPONSE: See the response to Question #45 in Q&A #1 dated September 22, 2025.

148. Q&A #1, ITEM 56 CORRECTION: Who are the current incumbents on the contracts?

RESPONSE: See the response to Question #46.

149. Q&A #1, ITEM 57 CORRECTION: Regarding the insurance requirements on the solicitation, are the subcontractor required to have the $10,000,000 Cyber Security insurance policy like the Primes in order to be consider as a subcontractor on the solicitation?

RESPONSE: See the response to Question #47.

REVISED RESPONSE: See the response to Question #46 in Q&A #1 dated September 22,

150. Q&A #1, ITEM 59 CORRECTION: Who are the incumbent on the each of the plan listed on the solicitation?

RESPONSE: See the response to Question #46.

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151. Q&A #1, ITEM 60 CORRECTION: Is the solicitation new or renewal bid?

RESPONSE: See the response to Question #52.

REVISED RESPONSE: See the response to Question #49 in Q&A #1 dated September 22,

152. Q&A #1, ITEM 61 CORRECTION: What was the subcontractor requirements on the previous contract if the solicitation is a renewal bid?

RESPONSE: See the response to Question #52.

REVISED RESPONSE: The MBE and VSBE subcontractor participation goals for each of the current contracts are as follows:

DBM Health Plan Administration and Services

Functional Area MBE Goal FA1 PPO-SF 6 percent (6%) of the total administrative fees paid to the

Contractor(s) FA2 EPO-SF 6 percent (6%) of the total administrative fees paid to the

Contractor(s) FA3 IHM-FI 0.6 percent (0.6%) of the total premiums paid to the

Contractor(s)

Functional Area VSBE Goal FA1 PPO-SF 0.5 percent (0.5%) of the total administrative fees paid to the Contractor(s) FA2 EPO-SF 0.5 percent (0.5%) of the total administrative fees paid to the Contractor(s) FA3 IHM-FI 0.05 percent (0.05%) of the total premiums paid to the

Contractor(s)

DBM SLEOLA Medical Plan Administration and Services

Functional Area MBE Goal FA1 PPO-SF 4 percent (4.0%) of the total administrative fees paid to the Contractor(s) FA2 EPO-SF 4 percent (4.0%) of the total administrative fees paid to the Contractor(s) FA3 POS-SF 4 percent (4.0%) of the total administrative fees paid to the Contractor(s)

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Functional Area VSBE Goal FA1 PPO-SF 0.5 percent (0.5%) of the total administrative fees paid to the Contractor(s) FA2 EPO-SF 0.5 percent (0.5%) of the total administrative fees paid to the Contractor(s) FA3 POS-SF 0.5 percent (0.5%) of the total administrative fees paid to the Contractor(s)

MDOT-MTA Union Benefit Plans Services and Administration

Functional Area MBE Goal FA1 PPO-SF 3 percent (3.0%) of the total administrative fees paid to the Contractor(s) FA2 HMO-SF 3 percent (3.0%) of the total administrative fees paid to the Contractor(s)

Functional Area VSBE Goal

FA1 PPO-SF 0%

FA2 HMO-SF 0%

No VSBE subcontractor participation goal was established for this contract.

Should you require clarification of the information provided, please contact me at Andrea.Simmons@maryland.gov as soon as possible.

Date Issued: September 25, 2025 Authorized By: /s/ Andrea R. Simmons

Andrea R. Simmons Procurement Officer

Attachment(s):

SAMPLE Section 5.3.2 'Tabs' in Word 9.24.25 mailto:Andrea.Simmons@maryland.gov