Multiple Option Dental Program

Palm Beach County, Florida is procuring a Multiple Option Dental Program for its employees through a Request for Proposals (RFP 26-041/DJ) with a proposal deadline of June 24, 2026. The procurement seeks comprehensive dental benefits coverage for employees of Palm Beach County, the Supervisor of Elections, and Palm Tran, effective January 1, 2027 through December 31, 2029. Proposers must offer five distinct dental plan options: two Dental Health Maintenance Organization (DHMO) plans designated as Basic (Option I) and Enhanced (Option II), and three Dental Preferred Provider Organization (DPPO) plans designated as Low (Option III), High (Option IV), and Premier (Option V). The DHMO plans feature fixed copayments ranging from $0 to $250 for network services with limited coverage of advanced procedures, while the DPPO plans utilize tiered coinsurance structures (ranging from 40% to 100%) for both in-network and out-of-network services across diagnostic, preventive, basic restorative, major restorative, endodontic, periodontic, oral surgery, prosthodontic, implant, and orthodontic service categories. Proposers must guarantee DHMO copayments through the contract term, provide a minimum 180-day notice for any rate or copayment modifications, maintain comprehensive provider networks across Palm Beach, Broward, and Martin Counties with demonstrated adequate pediatric dentist availability, establish performance guarantees up to $50,000 for network development, submit detailed benefit design specifications and fee schedules with both 80th and 90th percentile Usual, Customary, and Reasonable charges, complete a comprehensive questionnaire addressing claims administration and member services capabilities, and provide current financial ratings demonstrating stability. Evaluation criteria include network adequacy, claims processing efficiency, member and provider satisfaction metrics, GeoAccess assessments, disruption analysis plans, and the ability to provide supplementary services including vision and hearing discount plans, pharmacy benefits, COBRA administration, and personalized identification cards at no additional cost.

No specific set-aside designations for disadvantaged enterprises or organizational restrictions are identified in the procurement documents. The incumbent vendor is Solstice Benefits, Inc., a Florida-based life and health insurer currently providing dental coverage through existing policies under multiple policy numbers including 11424, 11425, and 11426 for various plan tiers, with documented claims experience from March 1, 2024 through February 1, 2026 demonstrating monthly claims ranging from approximately $26,000 to $136,000 depending on plan option and enrollment levels. Based on recent claims experience data, the county's current dental program serves approximately 2,100 to 2,500 subscribers with 3,700 to 4,500 total members across all plan options, with premium structures varying significantly by plan design and coverage tier. Proposers must demonstrate integration capability with the county's existing enrollment and billing systems, with preference for self-billing based on enrollment records, though roster billing accommodation is required. While specific award values or total contract budgets are not explicitly stated in the RFP documents, historical premium data from the claims experience reports suggests annual program costs in the range of $1.1 million to $1.5 million monthly across all three current plan options combined, indicating a potential contract value exceeding $15 million over the three-year performance period depending on enrollment levels and selected plan options.