Brevard County Group Dental Plan

Brevard County is seeking proposals for a fully insured group dental plan for active employees, retirees, and eligible dependents, effective January 1, 2026, with a proposed five-year contract term. The procurement involves dental insurance coverage through multiple plan options, including Dental Health Maintenance Organization (DHMO) and Dental Preferred Provider Organization (PPO) plans at both high and low coverage levels. The request for proposals (RFP No. 1-25-18) requires vendors to have at least five years of experience insuring groups of 4,000 or more employees, with no minimum participation requirements. Proposals are due on June 4, 2025, at 4:00 p.m., and must be submitted as three hard copies and one electronic copy. Key evaluation criteria include network coverage, plan design matching current in-force coverage, administrative capabilities, claims processing performance, and ability to provide comprehensive dental services across preventive, basic, major, and orthodontic categories. The county expects vendors to maintain a robust provider network in Brevard County with statewide and national coverage, offer dependent coverage up to age 30, and meet specific performance guarantees including claims processing accuracy of 99% and network utilization of at least 70%.

There are no specific set-aside designations or restrictions limiting respondents to disadvantaged enterprises for this procurement. The incumbent vendor is currently Cigna, which has been providing dental insurance coverage with consistent enrollment and claims performance. The current plans have maintained the same premium rates since January 2020, with monthly rates ranging from $12.91 to $106.07 depending on the plan and coverage tier. Historical enrollment data shows approximately 4,210 total enrolled participants across various tiers, with total subscriber numbers ranging from 38,814 in 2022 to 41,403 in 2024. Total annual claims have remained relatively stable at around $1.6 million, with in-network claims consistently representing the majority of total claims. The most popular plans are the Dental PPO High and Dental PPO Low options, which have consistently represented the largest enrollment. While a specific budget range is not explicitly stated, total annual premiums have historically been around $2.1 million, suggesting a potential contract value of approximately $10.5 million over the five-year term.