3.1 GROUP VOLUNTARY DENTAL BENEFITS The City’s current carrier for group voluntary dental benefits is The Guardian Life Insurance Company of America. The employer contributes $156 annually, per eligible employee towards the employee’s dental coverage. No employee is required to participate in a dental plan. The current dental plan is administered with the deductible and benefits maximums on a calendar year. There have not been any benefit changes in the past 24 months. Benefits are to be provided on a no loss takeover, providing deductible credit to all satisfied deductibles. The City expects the Offeror to provide adequate administrative support and member services to its covered employees and dependents. All rates provided must be evenly divisible by two (2) to accommodate twenty-four (24) deductions per year. 3.1.1. DENTAL PLAN DESIGN This RFP seeks proposals for the Group Voluntary Dental Benefits Plan described within. Plan designs should match, as closely as possible, the benefit provisions of the current plans. Each Offeror, as part of their proposal submission, shall provide detail of any deviations from the current benefit plan(s) offered by the City. In addition to proposals that match the current plan design, Offerors are requested to submit additional options that include, but are not limited to the following plan design features: a) Plans that match current design but with increased Plan Annual Maximum to $1,500 for both Low and High plans; b) Plans that match current design with the addition of a child orthodontia benefit of at least $1,500/lifetime with no waiting periods and an increased Annual Maximum to $1,500 on the High Plan; c) Plans that match current but with the addition of “Preventive Plus” feature whereby claims related to Preventive Services do not accumulate toward the Annual Maximum for both the Low and High plans; d) Other innovative plan designs to optimize benefit value and control costs; and e) A self-funded option for the current plan design. Please provide Administrative Fee on a Per Employee Per month basis as well as 1st year and mature year claims projections.
