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RFP - Health & Welfare Benefits Broker/Consultant Services

All proposals must be received no later than 3:00PM on July 30, 2010


Click here for the RFP
Click here for Appendix 1
Click here for Questions

Request For Proposal
Health & Welfare Benefits Broker/Consultant Services

Responses To Questions

 

1. Current Broker:  Please identify your current broker and provide us information regarding your current broker relationship including how many years they have acted on your behalf. Additionally, if there are any other third party vendors providing services (such as TPA or Actuarial services), please provide information on them as well.

 

Response: Our current broker is Willis of New Jersey. Our Third Party Administrator for benefits is Benefit Harbor.  The contract for our Third Party Administrator does not expire until 12/31/2011, and the services provided by the TPA are not the subject of this Request for Proposal.

 

  1. Premium/Program Costs: What are current program annualized premiums by type of  insurance?

Response: 2010 approximate premiums:

               Amerihealth HMO, PPO and RX -   $9,521,637

               Met Life Dental                               - $   354,334

               Vision Benefits of America            - $     43,191

               Prudential Life, LTD and STD        -   $1,072,669   

                Horizon Part D Prescription Plan - $   913,400

 

  1. Renewal Dates:  Please provide the present renewal/anniversary dates per insurance plan.

 

Response: This information has already been provided to all proposers.  Please refer to the posted Appendix on our website, at www.drpa.org, under the “Working with DRPA” and “Bids & Contracts” tabs.

 

  1. Funding Type:  Are the current benefit plans fully-insured or self-funded? If self-funded, who is the re-insurer and what are the applicable stop-loss levels?

 

Response: All DRPA/PATCO health and welfare benefit plans are fully-insured.

 

  1. Collective Bargaining:  I see the appendix shows the contract expires 12/31/2010. Is this referring to the benefits plan or the collective bargaining agreements? If this does not refer to the collective bargaining agreements, please provide the CBA contract expiration dates.

 

Response:  The contract expiration dates noted in the Request for Proposal relate to the benefit plans offered to all active benefit-eligible employees at DRPA/PATCO.  The successful broker/consultant for Health & Welfare benefit plans would not be involved in the placement of coverage for Authority employees who receive their benefits through their respective unions’ Health & Welfare Funds. 

 

 

  1. Finalist Presentations:   Will the governing body or board perform finalist presentations to evaluate the proposals in person? If so, when in the process will such sessions take place?

 

Response:  No

 

      7.        Does the DRPA have a firm that is involved with benefits eligibility and administration or            

 is the broker expected to provide this service? If the broker is expected to provide such            service, can you elaborate on how this is handled today?

 

 Response:  Our Third Party Administrator for benefits is Benefit Harbor. The contract for our Third Party Administrator does not expire until 12/31/2011, and is not the subject of this Request for Proposal.

 

      8.       The questionnaire asks about capabilities to support the DRPAs wellness plan. Can you             

                 please describe what the present wellness plan entails today and who manages/

                 administers the plan?

 

                  Response:  The Wellness plan for the Authority is administered by in-house staff in our Benefits Administration Department.  The Authority is a wellness partner with Amerihealth Insurance Company.  They provide a Healthy Lifestyles program for our employees, various health related seminars, quarterly BMI screenings, blood pressure screenings and various other screenings. We have a walking program that is administered by our in-house Benefits Administration department staff. Employees receive a monthly health promotion and wellness newsletter, Top Health. We offer CPR training for our employees and monthly emails are sent to employees on health and wellness topics.

                                               

        9.      Is there a current budget for this work or what annual fees do you pay your current          consultant or broker?

 

      Response: Fees are paid directly to the Broker/Consultant by the various Health and welfare plan carriers.

 

10.   The proposal indicates that you are going to make a decision 11/1/2010 for your 1/1/2011 renewal.  However there is additional information that indicates you wanted to begin working on the renewal 120 days prior.  Is the winning firm part of the 1/1 renewal process or will they simply take over 1/1 after the renewal is finished?

 

      Response: The current Broker/Consultant is working on the year 2011 renewals. The winning firm would assume responsibility for servicing the various health and welfare benefit plans effective 1/1/2011 renewal process is finished.  

 

11.   Is the current broker providing day to day customer service for employees in terms of enrollment, student eligibility, claims, billing, etc. or are they primarily providing consulting services?

 

      Response: Our current Broker/Consultant provides full-service broker and consulting services on all of our health and welfare benefit plans.  For additional information, please see the response to question #1.

 

12.  What medical plans are currently provided for FOP, IBEW and Police Dispatchers?

     

Response: Those groups of employees are classified as benefit-eligible employees, and therefore they receive all of their health and welfare benefits through the Authority.  This information was previously provided as part of the posted Appendix.  Please refer to the posted Appendix on our website, at www.drpa.org, under the “Working with DRPA” and “Bids & Contracts” tabs.

    

13.      Is it only the FOP that has STD coverage?

        

       Response: Our IUOE employees also receive STD coverage.

 

14.       Is there any LTD for Teamsters and/or IUOE?

 

Response: We do provide LTD coverage for employees represented by the Teamsters and IUOE.  Their LTD coverage begins after a 180-day waiting period.

 

15.       If the award of this contract will not occur until 11/1/10 or later then what            

the new broker/consultant with respect to the renewal process of the current      insurance plans effective January 1, 2011?

 

               Response: No assistance is expected from any proposing Broker/Consultant for

               the 1/1/2011 renewals.  Please see the response to question #10.

 

              

 

    16.  If there are changes to the current plans then what assistance is expected from the              

 new broker/consultant?

 

Response:   See response to #10, above.

 

   17.  How long have the current insurance carriers (AmeriHealth, MetLife, etc.) been

             in place for DRPA? 

 

Response: Amerihealth –   1/1/1997

                    Met Life         -  1/1/2009

                    Vision Benefits of America – 1/1/1997

                             Prudential    -   1/1/2008

                             AARP          -   1/1/2006

                             Horizon Part D RX - 1/1/2010

18.  What is the selection process?   

 

     Response: The selection process has been outlined in the RFP.

       

 

19.  Do you have a consultant or broker for the other lives (active and pre-65 retirees) and do they provide any services today?

 

      Response: Our current Broker/Consultant provides full-service broker and   

      consulting services on all of our health and welfare benefit plans

 

     20.  WORK PRODUCTS

 

“All materials, calculations, computations, specifications, drawings and intellectual property developed and prepared by the CONSULTANT, in the performance of its services herein, shall become the property of the Authority, and shall be turned over to the Authority at or prior to the termination of this Agreement, or upon written request of the Authority.”

 

This requirement causes us significant concern. We have spent thousands of hours and millions of dollars creating and copywriting our work product. A significant amount of these copyrighted/protected assets will be used in our work for the DRPA.  Protecting this intellectual property is critical to our business.  Please confirm that copyrighted and trade secret work product of the broker/consultant shall not be deemed a work for hire of the DRPA.

 

Response: The RFP is clear as written:  work produced under the contract is property of the Authority.  The Authority considers this item to be an essential requirement.  

 

      21. INTELLECTUAL PROPERTY

 

“CONSULTANT acknowledges and agrees that all work produced pursuant to this Agreement is work made for hire and accordingly, all copyright, trademark, and intellectual property rights are owned exclusively by DRPA.” 

 

This requirement causes us significant concern. We have spent thousands of hours and millions of dollars creating and copywriting our work product. A significant amount of these copyrighted/protected assets will be used in our work for the DRPA.  Protecting this intellectual property is critical to our business.  Please confirm that copyrighted and trade secret work product of the broker/consultant shall not be deemed a work for hire of the DRPA.

 

Response: The RFP is clear as written:  work produced under the contract is property of the Authority.  The Authority considers this item to be an essential requirement


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