Fully Insured & Self-Funded Group Dental Insurance

The City of Albuquerque is conducting a Request for Proposal (RFP-2025-710-HRM-CG) for fully insured and self-funded group dental insurance, targeting coverage for employees and dependents across multiple government entities in New Mexico. The solicitation involves 18 participating government organizations with approximately 16,400 covered lives, seeking dental insurance proposals for a four-year contract beginning July 1, 2026. The current dental plan is a Blue Cross Blue Shield Dental PPO with specific design requirements, including a $50 individual/$150 family deductible, $1,500 per person annual maximum benefit, and $1,200 lifetime orthodontic maximum. Proposal evaluation will be comprehensive, with 200 points allocated to experience and qualifications, 200 points for plan design and wellness programs, 300 points for approach to meeting RFP requirements, and 300 points for cost proposal. The RFP was released on July 22, 2025, with proposals due by August 20, 2025, at 4:00 p.m. Mountain Time through the City's eProcurement system, with strict requirements for submission and potential disqualification for non-responsive or incomplete proposals.

The solicitation does not explicitly outline specific set-aside designations or restrictions for disadvantaged enterprises. The current dental insurance provider is Blue Cross Blue Shield, which has been providing coverage for one year, following 24 years with Delta Dental. The City contributes 80% of premiums across all coverage tiers, and vendors are required to submit both fully insured and self-funded quotes while maintaining or improving the current plan design. The City reserves the right to select more than one insurance provider and will work with McGriff, a Marsh McLennan Agency benefits consultant, throughout the procurement process. While specific budget ranges are not directly stated, the current monthly premiums range from approximately $409,000 to $470,424, with projected subscriber counts increasing from 6,614 to 7,065 over the evaluation period. The dental insurance program covers a wide range of services, including preventive, basic, and major restorative procedures, with additional benefits for members with specific health conditions such as cardiovascular disease, diabetes, and pregnancy.