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T4: James E. Chandler, County Administrator <br />THRU: Joe Baird, Director, Office of Management and Budget <br />FROM: Beth Jordan, Risk Manage .r <br />DATE: 8 October 1997 <br />SUBJECT: Dental Insurance Request for Proposals <br />Staff requests consideration of the following information at the October W, 1997, regular meeting of the <br />Board of County Commissioners. <br />Background <br />At the request of the Board, staff has prepared a request for proposals (RFP) for employee group dental <br />insurance. Modeled after other public entity programs, RFP seeks indemnity insurance with premiums <br />to be payroll -deducted. Participating employees would pay the premium. <br />Analysis <br />For some time, there has been discussion of including an employee group dental indemnity insurance <br />plan. Unlike the current HMO -type dental plan through which participating employees select a dental <br />provider from a panel of participating dentists, this proposal would allow the employee freedom of choice <br />for dental providers. Claims would be submitted by the employee for reimbursement and/or dentists <br />would submit claims for the employees. <br />While many major insurers, such as CIGNA, would write the business without a local agent's involvement, <br />we have polled insurance agencies listed in the Indian River County telephone directory and have <br />attached to the RFP a list of local agencies which indicated an ability to quote such dental insurance <br />coverage. These agencies would be sent the RFP as well as the usual public advertising of this process. <br />Recommendation <br />Staff recommends that the Board approve the request for proposals for employee group dental insurance. <br />MOTION WAS MADE by Commissioner Ginn, SECONDED <br />BY Commissioner Adams, to approve staff's recommendation. <br />Under discussion, Commissioner Ginn wanted to be certain that employees <br />understand that they will be paying for this insurance. <br />Budget Director Joseph A. Baird assured her that the employees are aware they will <br />be paying for this insurance. He also requested that if the Board knew of any other insurance <br />agencies which should be contacted, in addition to those listed in the backup, to please let <br />him know. <br />THE CHAIRMAN CALLED THE QUESTION and it carried <br />unanimously. <br />OCTOBER 14, 1997 <br />55 <br />ol< O3 P�,LuZ <br />