DENTAL INSURANCE

REQUEST for PROPOSAL # 952
PROFESSIONAL, TECHNICAL AND EXPERT SERVICES
Clark County Washington
RELEASE DATE: WEDNESDAY, APRIL 8, 2026
DUE DATE: WEDNESDAY, MAY 6, 2026, by 11:00 am
LATE PROPOSALS WILL NOT BE ACCEPTED - NO EXCEPTIONS
Request for Proposal for:
DENTAL INSURANCE
SUBMIT:
One (1) Original Proposal
Two (2) Complete Copies of Proposal
One (1) Electronic Copy of Proposal and attachments on a USB drive
of the Proposal to:
United Parcel Service / FedEx or Hand Delivery ONLY United States Postal Service
Clark County Not Available
ATTN: Office of Purchasing
1300 Franklin Street, 6th Floor, Suite 650
Vancouver WA 98660
564-397-2323
Office Hours: 8:00 am - 3:00 pm, Monday - Friday, except Legal Holidays.
No electronic submissions.
Refer Questions to Project Manager:
Clark County, WA local government agency is not affiliated with any group, business or other type of enterprise
that is not listed on our webpage at www.clark.wa.gov and emails must end in @clark.wa.gov.
Amie Johnson
Senior HR Rep/Human Resources
Amie.Johnson@clark.wa.gov
564-397-2465

General Terms and Conditions
ADMINISTRATIVE REQUIREMENTS - Contractors shall comply with all management and independently, without consultation, communication, or agreement for the purpose of
administrative requirements established by Washington Administrative Code (WAC), the restricting competition. This does not preclude or impede the formation of a consortium
Revised Code of the State of Washington (RCW), and any subsequent amendments or of companies and/or agencies for purposes of engaging in jointly sponsored proposals.
modifications, as applicable to providers licensed in the State of Washington.
INTERLOCAL AGREEMENT - Clark County has made this RFP subject to Washington
ALL proposals submitted become the property of Clark County. It is understood and agreed State statute RCW 39.34. Therefore, the proposer may, at the proposers option, extend
that the prospective Proposer claims no proprietary rights to the ideas and written materials identical prices and services to other public agencies wishing to participate in this RFP.
contained in or attached to the proposal submitted. Clark County has the right to reject or Each public agency wishing to utilize this RFP will issue a purchase order (or contract)
accept proprietary information. binding only their agency. Each contract is between the proposer and the individual agency
with no liability to Clark County.
AUTHORSHIP - Applicants must identify any assistance provided by agencies or indivi-
LIMITATION - This RFP does not commit Clark County to award a contract, to pay any
duals outside the proposers own organization in preparing the proposal. No contingent
costs incurred in the preparation of a response to this RFP, or to procure or contract for
fees for such assistance will be allowed to be paid under any contract resulting from this
services or supplies.
RFP.
LATE PROPOSALS - A proposal received after the date and time indicated above will not
CANCELLATION OF AWARD - Clark County reserves the right to immediately cancel an be accepted. No exceptions will be made.
award if the contractual agreement has not been entered into by both parties or if new state
regulations or policy make it necessary to change the program purpose or content, ORAL PRESENTATIONS - An oral presentation may be required of those prospective
discontinue such programs, or impose funding reductions. In those cases where contractors whose proposals are under consideration. Prospective contractors may be
negotiation of contract activities are necessary, Clark County reserves the right to limit the informed that an oral presentation is desired and will be notified of the date, time and
period of negotiation to sixty (60) days after which time funds may be unencumbered. location the oral presentation is to be conducted.
CONFIDENTIALLY - Proposer shall comply with all applicable state and federal laws OTHER AUDIT/MONITORING REQUIREMENTS - In addition, auditing or monitoring for
governing the confidentiality of information. the following purposes will be conducted at the discretion of Clark County: Fund
accountability; Contract compliance; and Program performance.
CONFLICT OF INTEREST - All proposals submitted must contain a statement disclosing
PRICE WARRANT - The proposer shall warrant that the costs quoted for services in
or denying any interest, financial or otherwise, that any employee or official of Clark County
response to the RFP are not in excess of those which would be charged any other individual
or the appropriate Advisory Board may have in the proposing agency or proposed project.
or entity for the same services performed by the prospective contractor, in a similar
socioeconomic, geographical region.
CONSORTIUM OF AGENCIES - Any consortium of companies or agencies submitting a
proposal must certify that each company or agency of the consortium can meet the REQUEST for PROPOSALS - This solicitation is an invitation by Clark County for
requirements set forth in the RFP. Proposers to submit an offer, which may be subject to subsequent discussions and
negotiations by the County and the Proposer. It is not a request for a competitive bid.
COST OF PROPOSAL & AWARD - The contract award will not be final until Clark County A Proposal means any document, submittal, interview presentation, negotiation, and
and the prospective contractor have executed a contractual agreement. The contractual everything and anything provided in response to this RFP regardless of whether the
agreement consists of the following parts: (a) the basic provisions and general terms and submission is an oral or written submission.
conditions, (b) the special terms and conditions, (c) the project description and goals Clark County reserves the right to accept or reject any or all proposals received as a result
(Statement of Work), and (d) the budget and payment terms. Clark County is not of this RFP, to negotiate with any or all prospective contractors on modifications to
responsible for any costs incurred prior to the effective date of the contract. Clark County proposals, to waive formalities, to postpone award, or to cancel in part or in its entirety this
reserves the right to make an award without further negotiation of the proposal submitted. RFP if it is in the best interest of Clark County to do so.
Therefore, the proposal should be submitted in final form from a budgetary, technical, and
programmatic standpoint. PROTESTS - Must be submitted to the Purchasing Department within 3 business days of
receipt of Letter of Notice.
DISPUTES - Clark County encourages the use of informal resolution to address complaints
or disputes arising over any actions in implementing the provisions of this RFP. Written PUBLIC SAFETY - May require limiting access to public work sites, public facilities, and
complaints should be addressed to Clark County - Purchasing, P.O. Box 5000, Vancouver, public offices, sometimes without advance notice. The successful Proposer's employees
Washington 98666-5000. and agents shall carry sufficient identification to show by whom they are employed and
display it upon request to security personnel. County project managers have discretion
DIVERSITY IN EMPLOYMENT AND CONTRACTING REQUIREMENTS - It is the to require the successful Proposer's employees and agents to be escorted to and from
policy of Clark County to require equal opportunity in employment and services subject any public office, facility or work site if national or local security appears to require it.
to eligibility standards that may be required for a specific program. Clark County is an
SALES TAX - Out of State Businesses - WA State Reporting Thresholds & Nexus
equal opportunity employer and is committed to providing equal opportunity in
https://dor.wa.gov/education/industry-guides/out-state-businesses-reporting-thresholds-
employment and in access to the provision of all county services. Clark County's Equal
and-nexus Businesses operating outside WA State must register to report B&O tax and
Employment Opportunity Plan is available at
collect/submit applicable sales tax, if the business meets any of the following thresholds in
http://www.clark.wa.gov/hr/documents.html. This commitment applies regardless of
the current or prior year:
race, color, religion, creed, sex, marital status, national origin, disability, age, veteran
* Has physical presence nexus in Washington.
status, on-the-job injury, or sexual orientation. Employment decisions are made without
* Has more than $100,000 in combined gross receipts sourced or attributed to
consideration of these or any other factors that are prohibited by law. In compliance with
Washington.
department of Labor Regulations implementing Section 504 of the rehabilitation Act of
1973, as amended, no qualified handicapped individual shall be discriminated against * Is organized or commercially domiciled in Washington.
in admission or access to any program or activity. The prospective contractor must agree
SUBCONTRACTING - No activities or services included as a part of this proposal may
to provide equal opportunity in the administration of the contract, and its subcontracts or
be subcontracted to another organization, firm, or individual without the approval of
other agreements.
Clark County. Such intent to subcontract shall be clearly identified in the proposal. It is
understood that the contractor is held responsible for the satisfactory accomplishment
MUNICIPAL RESEARCH and SERVICE CENTER - Clark County (WA) contracts with
of the service or activities included in a subcontract.
the Municipal Research and Service Center (MRSC) to maintain our Consultant, Small
Works and Vendor rosters. To be eligible to participate in this Clark County public VERBAL PROPOSALS - Verbal proposals will not be considered in making the award of
solicitation and the resulting contract, your business must be registered with the MRSC any contract as a result of this RFP.
Rosters. Failure to register may result in your proposal being marked nonresponsive.
Be sure to select Clark County in your application. If you have questions about the WORKERS COMPENSATION INSURANCE - The contractor shall comply with R.C.W.
registration process, contact the MRSC Rosters at 206-436-3798 or Title 51- with minimum coverage limits of $500,000 for each accident, or provide
https://mrscrosters.org/businesses/business-membership/ evidence that State law does not require such coverage.
INDEPENDENT PRICE DETERMINATION - The prospective contractor guarantees that, FOR ALTERNATIVE FORMATS
in connection with this proposal, the prices and/or cost data have been arrived at Clark County ADA Office: V: 564-397-2322
ADA@clark.wa.gov

Request for Proposals
Table of Contents
PART I PROPOSAL REQUIREMENTS
Section IA: General Information
1. Introduction
2. Background
3. Scope of Project
4. Project Funding
5. Title VI Statement
6. Timeline for Selection
7. Employment Verification
Section IB: Work Requirements
1. Required Services
2. County Performed Work
3. Deliverables and Schedule
4. Place of Performance
5. Period of Performance
6. Prevailing Wage
7. Debarred / Suspended
8. Americans with Disabilities Act (ADA) Information
9. Public Disclosure
10. Insurance/Bond
11. Plan Holders List
PART II PROPOSAL PREPARATION AND SUBMITTAL
Section IIA: Pre-Submittal Meeting/Clarification
1. Pre-Submittal Meeting
2. Proposal Clarification
Section IIB: Proposal Submission
1. Proposals Due
2. Proposal
Section IIC: Proposal Content
1. Cover Sheet
2. Project Team
3. Management Approach
4. Respondent's Capabilities
5. Project Approach and Understanding
6. Proposed Cost
PART III PROPOSAL EVALUATION & CONTRACT AWARD
Section IIIA: Proposal Review and Selection
1. Evaluation and Selection
2. Evaluation Criteria Scoring
Section IIIB: Contract Award
1. Consultant Selection
2. Contract Development
3. Award Review
4. Orientation/Kick-off Meeting
ATTACHMENTS A: Proposal Cover Sheet
B: Letter of Interest
C: Certification Regarding Debarment, Suspension and Other Responsibility Matters Form
EXHIBITS A. Claims Information:
* Exhibit A-1: Clark County Claims & Billing Table

Request for Proposal #952
Dental Insurance
* Exhibit A-2: Clark County Network Percent of Paid Claims
B. Plan Information:
* Exhibit B-1: Plan Summary (00474) MOU Group
* Exhibit B-2: Plan Summary (00576) Sheriff Group
* Exhibit B-3: Benefit Booklet (00474) MOU Group
* Exhibit B-4: Benefit Booklet (00575) Sheriff Group
* Exhibit B-5: Service Contract Declaration Page
C. Exhibit C: 2026 Clark County Census
D. NAPD Instructions:
* Exhibit D-1: Clark County Washington Discount Analysis Request
* Exhibit D-2: NAPD Email Template
* Exhibit D-3: Provider Disruption Request
* Exhibit D-4: Dental Network Access Instructions
* Exhibit D-5: Network Access Census
* Exhibit D-6: Message to Incumbent Carrier
E. Exhibit E: Dental Questionnaire
F. Exhibit F: Clark County Carrier Questions Guide
G. Exhibit G: Excel Dental Template

Request for Proposal #952
Dental Insurance
Part I Proposal Requirements
Section IA General Information
1. Introduction Clark County, (the County), is accepting proposals from experienced and qualified providers
for the following coverages for an effective date of January 1, 2027:
* Dental
The PPO plan is currently issued through Delta Dental of Washington, which is a self-insured
plan. This is currently offered alongside a Dental HMO plan through Kaiser. The Kaiser plan
will remain in place, only the Delta Dental PPO plan is being marketed.
Clark County (WA) contracts with the Municipal Research and Service Center (MRSC) to
maintain our Consultant, Small Works and Vendor Rosters. To be eligible to participate in this
Clark County public solicitation and the resulting contract your business must be registered
with the MRSC Rosters. Failure to register may result in your proposal being marked
nonresponsive. Be sure to select Clark County in your application. If you have questions
about the registration process, contact the MRSC Rosters at 206-436-3798 or
https://mrscrosters.org/businesses/business-membership/
If your company contact details are not on the Plan Holder List at
https://clark.wa.gov/internal-services/request-proposal-1
Attachment B, Letter of Interest must be submitted to participate in this RFP.
Proposers shall respond to all sections to be considered.
Clark County has made this Request for Proposal subject to Washington State statute RCW
39.34 Interlocal Cooperation Act. The proposer may opt to extend identical services and prices
to qualified public agencies. Each contract is between the proposer and individual agency
binding only their agency, with no liability to Clark County.
2. Background The County has approximately 1,800 employees eligible for dental insurance, with about 1,200
enrolled in Delta Dental. They have multiple union groups which have been segmented and
consolidated into two unique benefits eligible populations (MOU and Sheriffs).
The County offers Dental coverage to all eligible Active Employees based on class of
employees. The PPO plan is contributory.
Dental;
Current plans and deductible levels:
Plan 1: PPO plan for Active Employees and Retirees; General County and Affiliated Agencies.
Plan 2: PPO plan for Active Deputy Sheriffs' Guild and Retirees.
The census will indicate the employees Current Plan.
Employees are eligible the first of the month following 90 days after date of hire as a regular full
or part-time employee. Employees who work more than 20 hours per week are eligible.

Request for Proposal #952
Dental Insurance
3. Scope of Project Clark County is requesting proposals for Dental programs with the following primary objectives
of finding:
* Competitive self-insured rates for all lines of coverage requested. Include any
package discounts that are applicable.
* Plans that match our current benefits. Indicate any areas which cannot be matched
or benefit enhancements you could offer in lieu of matching.
* Useful and timely claims experience reporting.
* On-line claims submission and reports.
* Responsive service to the Human Resources staff and employees.
* Strong claims management and customer service.
* Maintain robust network of dental providers and discounts.
4. Project Funding Allocation of funds for this RFP will be established based on the funds requested in the selected
proposal.
5. Title VI Title VI Statement
Statement Clark County, in accordance with the provisions of Title VI of the Civil Rights Act of 1964 (78
Stat. 252, 42 U.S.C. 2000d to 2000d 4) and the Regulations, hereby notifies all bidders that
it will affirmatively ensure that any contract entered into pursuant to this advertisement,
disadvantaged business enterprises will be afforded full and fair opportunity to submit bids in
response to this invitation and will not be discriminated against on the grounds of race, color, or
national origin in consideration for an award.
El Condado de Clark, de acuerdo con las disposiciones del Titulo VI de la Ley de Derechos
Civiles de 1964 (78 Stat. 252, 42 U.S.C. 2000d a 2000d 4) y el Reglamento, por la presente
notifica a todos los postores que se asegurara afirmativamente de que cualquier contrato
celebrado de conformidad con este anuncio, las empresas comerciales desfavorecidas tendran
la oportunidad plena y justa de presentar ofertas en respuesta a esta invitacion y no seran
discriminadas por motivos de raza, color u origen nacional en consideracion a un laudo.
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Request for Proposal #952
Dental Insurance
6. Timeline for The following dates are the intended timeline:.
Selection
Proposer Questions Due April 22, 2026
Responses to Questions Posted April 24, 2026
Proposals Dues May 6, 2026
Finalist Meetings June 29 - July 3, 2026
Decision July 6, 2026
Notifications July 13, 2026
Implementation July 13, 2026
Contract Effective Date January 1, 2027
7. Employment The Proposer, if awarded the Contract, shall register and enter into a Memorandum of
Verification Understanding (MOU) with the Department of Homeland Security E-Verify program before
execution of the Contract. The Contractor shall ensure all Contractor employees and any sub-
contractor(s) assigned to perform work under this Agreement are eligible to work in the United
States. The Contractor shall provide verification of compliance upon County request. Failure by
Contractor to comply with this subsection shall be considered a material breach.
(Sole Proprietors must submit a letter stating such.)
Section IB Work Requirements
1. Required Services Service
It is expected that the contracts, necessary administrative forms, administrative manual, and
employee certificates will be prepared as quickly, as reasonably possible following designation
of the selected carrier. Note any additional costs related to SPDs and any other services if these
are not part of the normal administration you provide.
Rate Guarantee Periods
Rates and fees should be guaranteed for at least 3 years. Indicate your willingness to extend
such guarantees by line of coverage on the Rate Response Form provided.
Commission
Quote all lines of coverage net of commissions.
Deviations
It is understandable that you may not be able to respond to each specification in this RFP.
Therefore, if you are unable to substantially meet the requirements, you are requested to
describe any deviations in your proposal on the Proposal Deviation Form provided. All deviations
will be considered.
Financial Stability
The selected carrier must be financially sound, well capitalized and highly rated by A.M. Best as
Excellent (A- or A) or Superior (A+ or A++). The finalists may be requested to provide financial
reports.

Request for Proposal #952
Dental Insurance
Claims Processing and Benefit Payments
The selected carrier must establish guidelines and have a system to assure that claims are
processed timely and accurately.
Customer Service
The selected carrier must assure all customer service and claims staff is trained in the specific
technical issues of the County. The carrier must provide ongoing customer service functions for
covered persons, claimants, and Benefits staff. The carrier must be capable of recording and
maintaining information regarding service-related or other complaints reported by covered
employees and/or employee representative. The selected carrier must have telephone system
and staff capacity to adequately respond to covered persons in a timely manner. The telephone
customer service system must be available during standard business hours Pacific Time,
Monday through Friday.
Account Management
The selected carrier is expected to designate an account manager who has the authority to
respond to the County's needs in a timely manner.
Communication and Marketing
The selected carrier will provide annual enrollment, general marketing and information materials
for employee education and resources.
The carrier will develop and design summary plan booklets (SPD) or Certificates of Coverage
in an appropriate form for print or placement on the County's intranet site.
Reports
The selected carrier must provide quarterly reports and annual reports on the performance of
the plans. The standard reporting package should include, but is not limited to the following
reports:
Dental
* Experience Reports
* Subrogation Reports
* Annual Utilization Report
Performance Reports
* Customer Service
* Claims Administration
All proposers are expected to provide, at a minimum coverage provisions currently in-force. Any
enhancements should be outlined in proposal.
Implementation
The selected carrier must designate an implementation team of experienced staff to work with
the County to effectively implement the plans on schedule.
Ensure that no covered members lose benefits in a transition between carriers, giving special
consideration to anyone not actively at work due to disability, but not yet qualified for waiver.
2. County Performed Benefits and payroll staff under the direction of the County's Benefits Manager will work with the
Work implementation team to facilitate system requirements resulting from the award of the contract.
They will coordinate employee communications to ensure employees are informed of any
changes, including new guarantee issue periods, and perform the administrative (enrollment)
requirements of the plans

Request for Proposal #952
Dental Insurance
3. Deliverables & This is a suggested schedule and is subject to change:
Schedule
The selected carrier provides efficient claims administration management and customer service
in accordance with all federal and state regulations to ensure the County's benefits programs
remain competitive while managing cost and utilization.
Employee communication shall begin in October following approval of the County. The
implementation schedule will be finalized with the successful insurance carrier for a January 1,
2027 effective date.
4. Place of Not needed for this RFP.
Performance
5. Period of A contract awarded as a result of this RFP will be for three (3) years and is intended to begin
Performance on January 1, 2027 and end December 31, 2029.
Total contract value including extensions will be determined by evaluating funds requested in
the selected proposal(s) and approved funding.
Clark County reserves the right to extend the contract resulting from this RFP for a period of
seven (7) additional years, in one (1) year increments, with the same terms and conditions, with
the exception of cost, by service of a written notice of its intention to do so prior to the contract
termination date. Cost for additional option year(s) shall be reviewed prior to extension of the
contract.
The county also reserves the right to terminate the contract, with thirty (30) days written notice,
at any time if the requirements of the contract are not being met satisfactorily, solely in the
county's judgment.
6. Prevailing Wage Pursuant to Washington State RCW 39.12 PREVAILING WAGES ON PUBLIC WORKS all
Applicable to all work identified in this project as a public work requires the contractor to pay Washington State
public work as prevailing wages and file all affidavits of intent to pay with the WA State Dept of Labor &
defined in Industries.
RCW 39.04.010(4)
Public Works Contractors shall meet the requirements for Prevailing Wage and public works requirements,
Definition per RCW 39.04.350 BIDDER RESPONSIBILITY CRITERIA - SWORN STATMENT -
SUPPLEMENTAL CRITERIA.
For this project select the Clark County rates that apply on the proposal closing date from
either of these sites:
http://www.wsdot.wa.gov/Design/ProjectDev/WageRates/default.htm
http://www.lni.wa.gov/TradesLicensing/PrevWage/WageRates
Before payment is made by the Local Agency of any sums due under this contract, the Local
Agency must receive from the Contractor and each Subcontractor a copy of "Statement of
Intent to Pay Prevailing Wages" (Form L & I Number 700-29) approved by the Washington
State Department of Labor and Industries.
A fee of $45.00 per each "Statement of Intent to Pay Prevailing Wages" and "Affidavit of
Wages Paid" is required to accompany each form submitted to this Department of Labor and
Industries. The Contractor is responsible for payment of these fees and shall make all
applications directly to the Department of Labor and Industries. These fees shall be incidental
to all the proposed items of this contract.

Request for Proposal #952
Dental Insurance
7. Debarred/Suspended F e d e r a l l y or Washington State debarred or suspended suppliers may not participate in this
Request for Proposal.
All proposers must fill out, sign and submit the "Certification Regarding Debarment,
Suspension, and Other Responsibility Matters" form with their proposal to be eligible to
participate.
8. Americans with Clark County in accordance with Section 504 of the Rehabilitation Act (Section 504) and the
Disabilities Act (ADA) Americans with Disabilities Act (ADA), commits to nondiscrimination on the basis of disability,
Information in all of its programs and activities. This material can be made available in an alternate format
by emailing ADA@clark.wa.gov or by calling 564-397-2322.
9. Public Disclosure This procurement is subject to the Washington Public Records Act (the "Act"), chapter 42.56
RCW. Once in the County's possession, all of the RFP Submittals shall be considered public
records and available for public records inspection and copying, unless exempt under the Act.
If a Respondent or Proposer considers any portion of an RFP Submittal to be protected under
the law, whether in electronic or hard copy form, the Respondent or Proposer shall clearly
identify each such portion with the word "PROPRIETARY". The County will notify the
Respondent or Proposer in writing of the request and allow the Respondent or Proposer ten
(10) days to obtain a court order enjoining release of the record(s). If the Respondent or
Proposer does not take such action within the ten (10) day period, the County will release the
portions of the RFP Submittal deemed subject to disclosure. All Respondents and Proposers
who provide RFP Submittals for this procurement accept the procedures described above and
agree that the County shall not be responsible or liable in any way for any losses that the party
may incur from the disclosure of records to a third party who requests them.
10. Insurance/Bond A. Waiver of Subrogation
All insurance coverage maintained or procured pursuant to this agreement shall be endorsed to
waive subrogation against County, its elected or appointed officers, agents, officials, employees
and volunteers or shall specifically allow Contractor or others providing insurance evidence in
compliance with these specifications to waive their right of subrogation prior to a loss. Contractor
hereby waives its own right of subrogation against County and shall require similar written
express waivers and insurance clauses from each of its subcontractors.
B. Proof of Insurance
Proof of Insurance shall be provided prior to the starting of the contract performance. Proof
will be on an ACORD Certificate(s) of Liability Insurance, which the Proposer shall provide to
Clark County. Each certificate will show the coverage, deductible and policy period. Policies
shall be endorsed to state that coverage will not be suspended, voided, canceled or reduced
without a 30-day written notice by mail to the County. It is the Proposers responsibility to
provide evidence of continuing coverage during the overlap periods of the policy and the
contract.
C. Worker's Compensation
As required by the industrial insurance laws of the State of Washington.
D. Automobile
If the Proposer or its employees use motor vehicles in conducting activities under this Contract,
liability insurance covering bodily injury and property damage shall be provided by the Proposer
through a commercial automobile insurance policy. The policy shall cover all owned and non-
owned vehicles. Such insurance shall have minimum limits of $1,000,000 per occurrence,
combined single limit for bodily injury liability and property damage liability with a $1,000,000
annual aggregate limit. If the Proposer does not use motor vehicles in conducting activities under
this Contract, then written confirmation to that effect on Proposer letterhead shall be submitted