Questionnaire.pdf

Questionnaire

Instructions

A MicroSoft Office® format version of this Questionnaire is available on the city’s website at http://www.stpete.org/purchase/solbidn.asp. Offeror’s should download form and electronically complete a Questionnaire for each Plan proposed. After completion, print the forms and include in Section F of your proposal package.

Use the tab key to move to each field or click your mouse in the check box to select “yes” or “no”. If you require additional space check “additional information attached” in the response space provided. Include the page(s) with additional Questionnaire information immediately following this form in your proposal package. Include your company name and plan name/number on the top of each additional page and indicate the appropriate question.

Plan Name/Number:

Company Name:

Address:

Contact Name:

Contact Title:

Contact E-mail:

Telephone:

Fax:

Additional information attached on a separate page(s)? Yes

1. Provide a brief narrative of your company’s history in the life insurance market.

How many insured members does your company have in:

Florida? Pinellas County? Pinellas, Hillsborough, Pasco, Polk & Manatee counties combined?

2. How many employers in Florida offer your plan(s)?

Number of Employers:

Largest Size Group:

Smallest Size Group:

3. Provide a list of at least four (4) current clients and one (1) former client with 2,000+ employees.

Florida public sector clients are preferred.

CLIENT NAME

STATUS

# of Years as Client CONTACT PERSON TELEPHONE /

EMAIL

CURRENT FORMER

RFP No.

Insurance, Group Life & Disability

Plan Design:

4. Can you administer the eligibility criteria as described in the proposal?

5. Have you included retiree rates in your proposal? Yes No

6. Does your plan include a premium waiver? Yes No If yes, explain how it works, including limitations.

7. Describe any deviation from the level of coverage as described in the proposal?

8. Does your plan include any pre-existing condition limitations or exclusions?

Yes No If yes, please describe.

9. Describe the qualities that distinguish you from other vendors in the marketplace.

10. Identify all plan design deviations from your proposal for current plan designs.

11.

12. Is there a coverage limitation for spouses? Yes No If yes, what is it?

13. Is there a coverage limitation for children? Yes No If yes, what is it?

14. Is the voluntary AD&D plan a separate (stand alone) plan from the voluntary supplemental life insurance plan(s)? Yes No

Underwriting Process:

15. Explain the medical underwriting process you use to determine insurability.

Will your plans honor existing covered members and coverage levels for those enrolled as of April 1, 2027? Yes No If no, please describe your requirements for coverage as of April 1, 2027.

16. Will benefits be guaranteed issue for all eligible employees during the initial enrollment period and for future newly eligible employees or those who have a Family Status Change ? Yes No If no, explain:

17. What is your average turnaround time for processing an application for coverage after initial eligibility and the initial enrollment period for existing coverages?

18. Are there medical conditions that would result in an automatic rejection for coverage?

Yes No If yes, provide details:

19. For your book of business, what percentage of applications are approved? %

20. For your book of business, what percentage of applications are denied? %

21. Is there an appeal process for underwriting denials? Yes No

22. What underwriting requirements are spouses subject to, if any?

23. What underwriting requirements are children subject to, if any?

24. Is spouse coverage guaranteed issue at initial enrollment and as dependents of newly eligible employees?

Yes No

25. Is children’s coverage guaranteed issue at initial enrollment and as dependents of newly eligible employees?

Yes No

26. Is any medical underwriting required for the voluntary AD&D plan after the initial enrollment period?

Yes No

Financial Considerations:

27. Will the experience of the plan be pooled with other groups or maintained in a separate risk pool?

28. Explain in detail the conditions under which premiums can be increased and how often premiums can be increased

29. Under what condition(s), if any, could the Contract Holder cancel this group contract?

30. Is your plan guaranteed renewable? Yes No If yes, please provide the length of the guarantee period.

31. Are there any minimum participation requirements? Yes No If yes, what is the minimum participation required?

Claims

32. Describe how a typical claim is processed beginning with claim submission and ending with claim approval.

33. What personnel are involved in the claim approval process?

34. How long does a typical claim approval take?

35. Describe your claims appeal process in detail.

36. What is the maximum period of time you allow for claimants to submit a claim?

37. Will you allow assignment of benefits? Yes No If yes, please describe the process.

Administration:

38. Will your firm provide a toll-free information hotline available for member inquiries? Yes No

If yes, does it have hearing impaired capabilities? Yes No

39. What are the hours of operation for your information hotline?

40.

41. Will you accept the City’s self-bill for premiums? Yes No

42.

43 How will your firm track member satisfaction in the area of customer service?

44. Will your firm agree to share the results of member satisfaction data with the city? Yes No

45. How often will your firm produce experience reports? Describe standard experience reports available to the City. Include samples of each type along with cost information in Section H-6.

46. If final enrollment deviates from the assumptions in your proposal, do you agree to honor the quoted rates? Yes No

47. Explain the second-year, third-year, fourth-year and fifth-year rate guarantee, or rate cap basis proposed.

48. Do the rates proposed include any commission, override, production bonus, or service fees of any kind? Yes No If yes, identify amount and to whom it is to be paid.

49. Are there any discussions or plans for your firm’s claims operation to undergo a merger, move or other organization change in the next 24 months? Yes No If yes, explain.

50. Will your firm allow the Employer’s in-house or third party auditors to periodically audit claim payments? Yes No

51. From which office location(s) will the City’s claims be processed?

52. Does your firm have a member service and/or claims office in Pinellas County? Yes No In Florida? Yes No

53. Who will represent your company in negotiations with the City?

Name/Title: , Email: @ Office Location:

Telephone (Including area code): - -

54. Who will be the dedicated service account executive for the City?

Name:

Title:

Office Location:

Telephone (Including area code):

55.

Enrollment and Communication:

56.

57. If the plan is changed in the future, who is responsible for communicating all plan and premium changes to insureds? If provided by your firm, include details of the process.

58.

59.

60.

61. Will your firm provide an Internet access, secure website for member/city inquiries? Yes No

62. Will your firm provide an Internet access, secure website with member/city customer service capabilities? Yes No If yes, provide a URL for a sample/test website.

63. What services will be performed/available via the Internet website?

64. Will your firm provide a toll-free telephone number for members/city to contact customer service?

Yes No

65. What are the days and hours of operation for the toll-free telephone customer service?

66. What days/holidays will your telephone access customer service be closed?

67. Is this toll-free telephone line included in your administrative costs? Yes No

68. Dates you can deliver the first draft of the Certificate of Coverage a.

69. Will your firm provide all informational material needed for enrollment no later than January 24, 2020?

Portability:

70. Can the voluntary supplemental life insurance be continued after an employee terminates or retires ?

71. How long is the application period?

72. Describe the application process and general turnaround time.

73. Are employees guaranteed coverage at current levels?

74. How are continuation rates determined?

Describe how and when continuation rates may change.

75. Is continuation coverage for life insurance term or whole life?