RFP Inbound Health Insurance for International Students and Scholars

Division of Finance and Business Affairs
Request for Proposal
and Specifications for
Inbound Health Insurance for International
Students and Scholars 2026
No part of this publication may be reproduced, transmitted,
transcribed, stored in a retrieval system, or translated into any
language in any form by any means without the written permission
of Wayne State University
Wayne State University
Procurement & Strategic Sourcing
April 16, 2026

Procurement & Strategic Sourcing
5700 Cass Avenue, Suite 4200
Detroit, Michigan 48202
(313) 577-3734
Division of Finance and Business Affairs
April 16, 2026
Dear Vendors:
IMPORTANT - PLEASE NOTE: Bid notices will be sent only to those Vendors registered to receive them via our Bid
Opportunities ListServ service. To register, visit http://go.wayne.edu/bids, and click on the "Join our ListServ" link at
the top of the page. Instructions are at the top of the page, and the Insurance Services Bid List Listserv service is
under "Service Bid Opportunities".
Wayne State University invites you to participate in its Request for Proposal process to provide Inbound Health
Insurance for International Students and Scholars 2026, for the Office of International Students and Scholars
(OISS), per the specifications contained herein the Request for Proposal. This service is expected to commence on
July 1, 2026.
We have a bid information package complete with the Request for Proposal and complete specifications available for
downloading from the University Procurement Website at http://go.wayne.edu/bids (include capitalization and
underscores) as of April 16, 2026. When visiting the Website, click on the "Service" link in green. Copies of the RFP
will not be available at the pre-proposal meeting.
To participate, it is Optional that you and/or responsible representatives of your organization attend our pre-proposal
conference. For this RFP, the University offers the following Pre-Proposal Options: Virtual. The meeting will be held
on April 24, 2026, 11:00 AM (Eastern - Detroit Time).
Vendors who would like to participate in the pre-proposal meeting via a TEAMS Video Conference or Conference
Call, may do so via the information below:
Microsoft Teams Meeting
On-line or via Conference Call
https://teams.microsoft.com/meet/2473437005342?p=WO0rl4dhAU9oGF7MQw
Need to join from a mobile device but don't have TEAMS on it?
Visit our website for instruction on adding TEAMS to your device.
Attendance will be taken during the Prebid Meeting. When Pre-proposal Meetings are Optional, nominal scorecard
points will be awarded for attendance.
We hope you can join us at the Optional pre-proposal meeting. Please have a copy of this Request for Proposal for
your reference during the meeting. Should you have any questions or concerns about this invitation, please contact
me at (313) 577-3757, or email: RFPTeam3@wayne.edu. Thank you for your interest in doing business with Wayne
State University.
Sincerely,
Brittney Mills
Senior Buyer
Enclosure

RFP: Inbound Health Insurance for International Students and Scholars 2026
for the Office of International Students and Scholars
Page No.(s)
I. Introduction 1
II. Information for VENDOR 1
A. General 2
B. Calendar of Events 2
C. Optional Pre-Proposal Meeting 2
D. Examination of the Request for Proposal 3
E. Delivery of Proposals 3
F. Proposal Format 3
G. Proposal Evaluation 4
H. VENDOR Profile, Experience, References and Lost Accounts 4
I. VENDOR Service Plan 5
III. Scope of Work and Project Requirements 6
IV. General Requirements and Guidelines 12
UNIVERSITY PROVIDED SCHEDULES
Schedule A Proposal Certification, Non-Collusion Affidavit, VENDOR
Acknowledgements
Schedule B Insurance Requirements
Schedule C Cost Schedule
Schedule D Summary Questionnaire
Schedule E Proposal Questionnaire
VENDOR CREATED EXHIBITS - TO BE SUBMITTED WITH VENDOR PROPOSAL
VENDOR Exhibit 1 Exceptions / Restricted Services
VENDOR Exhibit 2 Profile/Experience/References
VENDOR Exhibit 3 Service Plan
VENDOR Exhibit 4 Sample Management Reports
APPENDICES
Appendix 1 Wayne State University Map - (see website:
http://campusmap.wayne.edu )
Appendix 2 New Vendor Set-Up Requirements
Appendix 3 WSU Wage Rate Schedules
Appendix 4 Drawings
Appendix 5 Sample Strategic Source Agreement

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I. INTRODUCTION
A. Wayne State University, founded in 1868, is committed to preparing its students to excel in a fast-
paced and interconnected global society. It combines the academic excellence of a major research
university with the practical experiences of an institution whose history, location and diversity make it
a microcosm of the world students will enter when they graduate. The University holds the Highest
Carnegie Foundation classification for research activity. It has 13 colleges and schools and offers
more than 350 academic programs including bachelor's, master's and doctoral degrees; post-
baccalaureate, graduate and specialist certificates; and three professional programs
(http://wayne.edu/about/).
B. Procurement & Strategic Sourcing is soliciting proposals from qualified professional organizations,
hereafter referred to as VENDOR(s), who specialize in providing Inbound Health Insurance for
International Students and Scholars of superior quality, at competitive pricing, as described in the
Statement of Work section of the Request for Proposal (RFP). Project must commence on or
before July 1, 2026, and be completed by June 30, 2029.
The contract(s) will be for a three-year period ending on June 30, 2029. Thereafter, the
UNIVERSITY may, at its option, extend the contract, on a year-to-year basis for up to two one-year
periods, through June 30, 2031. VENDORS must state maximum price increases (if any) for years
two and three on Cost Schedule C.
This RFP outlines basic requirements as specified in the Scope of Work section of the RFP (Section
III). Proposals submitted are to be in accordance with the outline and specifications contained in and
are to remain in effect a minimum of 120 days from the date of submission and may be subject to
further extensions as negotiated.
C. The UNIVERSITY reserves the right to accept, reject, modify, and/or negotiate any and all
proposals received in conjunction with the RFP. It reserves the right to waive any defect or
informality in the Proposals on the basis of what it considers to be in its best interests. Any proposal
may be rejected, which the UNIVERSITY determines to be incomplete, conditional, obscure, or has
irregularities of any kind. The UNIVERSITY reserves the right to award to the firm, or firms, which in
its sole judgment, will best serve its long-term interest.
This RFP in no manner obligates the UNIVERSITY to the eventual purchase of any products or
services described, implied, or which may be proposed, until confirmed by written agreement, and
may be terminated by the UNIVERSITY without penalty or obligation at any time prior to the signing
of an Agreement or Purchase Order.
D. Expenses for developing and presenting proposals shall be the entire responsibility of the VENDOR
and shall not be chargeable to the UNIVERSITY. All supporting documentation and manuals
submitted with this proposal will become the property of the UNIVERSITY.
E. All questions concerning this Request for Proposal are to be directed to Brittney Mills, Senior
Buyer, Email; RFPTeam3@wayne.edu. The deadline for questions is May 1, 2026, 12:00 noon.
Under no circumstances may a VENDOR contact other individuals at the UNIVERSITY, or its
consultants to discuss any aspect of this RFP, unless expressly authorized by Procurement &
Strategic Sourcing to do so.
II. INFORMATION FOR VENDOR
A. General
This RFP contains requests for information. VENDORS, however, in responding to this RFP, are
encouraged to provide any additional information they believe relevant. VENDORS are encouraged to
examine all sections of this RFP carefully, in that the degree of interrelationship between sections is
high.

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B. Calendar of Events
Activity Responsibility Date
Formal Release of RFP Procurement April 16, 2026
Optional Pre-Proposal meeting Procurement /Evaluation April 24, 2026, at 11:00 a.m.
Team (ET)/VENDORS
Questions due to Procurement & VENDORS May 1, 2026, by 12 Noon
Strategic Sourcing
Delivery of Proposals are by VENDORS May 12, 2026, by 2:00 p.m.
electronic submission on May 12,
2026. The link for bid submission will be
posted with the bid details at
http://go.wayne.edu/bids.
Evaluation of Proposals Procurement / ET May 26, 2026
(clarifications & negotiations)
Announcement of Selected VENDOR Procurement June 3, 2026
Readiness for Service/Contract VENDORS July 1, 2026
Commencement
Project Completion VENDORS/ET June 30, 2029
The UNIVERSITY will make every effort to adhere to the above schedule. It is subject, however, to time
extensions at the University's discretion.
C. Optional Pre-Proposal Meeting
You may attend an Optional Pre-Proposal Meeting on as a condition for submitting a proposal. For
this RFP, the University offers the following Pre-Proposal Options: Virtual.
The meeting will be held on April 24, 2026, 11:00 AM (Eastern - Detroit Time).
Vendors who would like to participate in the pre-proposal meeting via a TEAMS Video Conference or
Conference Call, may do so via the information below:
Microsoft Teams Meeting
On-line or via Conference Call
https://teams.microsoft.com/meet/2473437005342?p=WO0rl4dhAU9oGF7MQw
Need to join from a mobile device but don't have TEAMS on it?
Visit our website for instruction on adding TEAMS to your device.
During this meeting, we will answer any questions you may have to clarify any ambiguities in this
Request for Proposal. Answers to questions that cannot be answered during this meeting will be put
into an Addendum and emailed to all VENDORS and posted to the University website as soon as
they are obtained. Each proposal submitted shall list all addenda, by numbers, which have been
received prior to the time scheduled for receipt of proposal.
Attendance will be taken during the Prebid Meeting. When Pre-proposal Meetings are Optional,
nominal scorecard points will be awarded for attendance.
Minutes for the Pre-proposal Meeting will be distributed and published on the website as an
Addendum. Vendors are responsible for the information in this and all other Addenda and must
acknowledge each addendum in Schedule D on the second page of the Schedule.

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D. Examination of the Request for Proposal
Before submitting proposals, each VENDOR will be held to have examined the UNIVERSITY
requirements outlined in the Scope of Work and Technical Information sections and satisfied itself as
to the existing conditions under which it will be obligated to perform in accordance with specifications
of this RFP.
No claim for additional compensation will be allowed due to unfamiliarity with the specifications and/or
existing conditions. It shall be understood that the VENDOR has full knowledge of all of the existing
conditions and accepts them "as is."
E. Delivery of Proposals
Proposals with supporting documentation shall be submitted by electronic submission. The link for
bid submission will be posted with the bid details at http://go.wayne.edu/bids beginning April 16,
2026.
The electronic submission should be limited to no more than one of each of the following file types: 1
Word Document and/or 1 Excel Workbook and/or 1 PDF document, with a total file size less than 20
megabytes. ZIP Files containing separate sections of a proposal are not acceptable, drop box
submissions are not accepted either. If your submission was sent correctly, you will receive an
auto-reply message acknowledging receipt of your Proposal.
The specific format for responses is detailed in Section II F (below). Proposals and Schedule C,
Cost Schedule must be signed, and the authority of the individual signing must be stated thereon. All
responses are to be submitted by electronic submission on forms furnished with the Bidding
documents:
ATTN.: Brittney Mills, Senior Buyer
Wayne State University
RFP: Inbound Health Insurance for International Students and Scholars
2026
The link for bid submission will be posted with the bid details at http://go.wayne.edu/bids beginning
April 16, 2026.
Deadline for receipt of proposals by Procurement & Strategic Sourcing is May 12, 2026, by 2:00 p.m.
(local time). Proposals received after that time will not be accepted. No details of the proposal
will be divulged at the time of opening.
F. Proposal Format
Proposals are limited to 35 pages total, one sided, and eleven (11) point font. (This is inclusive of all
required documents and schedules and any optional material included at the discretion of the
respondent, but tab sheets and the cover pages do not count in the overall document count.)
Proposals are to be submitted with appropriate indices. Each proposal should provide a
straightforward concise description of the VENDOR'S service, approach and ability to meet the
UNIVERSITY'S needs as stated in this RFP. Schedules and Exhibits listed below must be included in
your proposal:
University Provided Schedules (provided in this package)
Schedule A - Proposal Certification, Non-Collusion Affidavit, VENDOR Acknowledgements
Schedule B - Insurance Requirements
Schedule C - Cost Schedule, Summary of Quoted Rates
Schedule D - Summary Questionnaire
Schedule E - Proposal Questionnaire
Vendor Created Exhibits (to be Submitted with Vendor Proposal)

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Exhibit 1 - Exceptions/Restrictions, if any exist (Section II G)
Exhibit 2 - Profile / Experience / References (Section II H)
Exhibit 3 - VENDOR Service Plan (Section III)
Care should be exercised in preparation of the proposals since it is the UNIVERSITY'S intent to have
the final contract documentation to consist of a University Strategic Source Agreement (Appendix 5)
that incorporates the RFP, VENDOR Proposal, any letters of clarification, and will require the
issuance of a Purchase Order for invoicing purposes.
Unnecessarily elaborate brochures or other presentations beyond those sufficient to present a
complete and effective quotation are not desired.
G. Proposal Evaluation
1. Proposals will be evaluated, and award will be based on the VENDOR'S ability to offer the best
value (quality, past performance and price), and on anticipated quality of service. Items
considered include but are not limited to:
* Ability to meet all mandatory requirements and specifications of this RFP.
* Cost of Services; Compensation and Fees; (Schedule C).
* Financial Strength of the VENDOR.
* Proposal Documentation / Presentation.
* VENDOR'S Experience (Exhibit 2).
* VENDOR Profiles/References; (Exhibit 2).
* VENDOR Service Plan; (Exhibit 3).
NOTE: Evaluation Criteria are in alphabetical order and are not stated in order of
preference.
VENDOR proposals will be evaluated by a team consisting of members of the UNIVERSITY'S
Procurement and Office of International Students and Scholars. A preliminary screening will
be used to identify competitive VENDORS who have met the mandatory requirements.
Procurement and Strategic Sourcing may subsequently request selected VENDORS to attend an
interview or make a presentation at a set time and date, to clarify information provided in the
proposals. Final consideration, evaluation, and recommendation may be made at this point.
However, the UNIVERSITY reserves the right to take additional time for reference review, site
visits and/or proposal negotiations.
2. To qualify for evaluation, a VENDOR'S proposal must be responsive, must have been submitted
on time and must materially satisfy all mandatory requirements identified throughout the RFP,
in the judgment of the UNIVERSITY. Any deviation from requirements indicated herein must
be stated in the proposal specifically under the category "Restricted Services" and clearly
identified as Exhibit 1. Otherwise, it will be considered that proposals are in strict compliance
with all requirements. Check the box indicating "None" for Restricted Services on the Proposal
Certification Schedule A. In those cases where mandatory requirements are stated, material
failure to meet those requirements may result in disqualification of the VENDOR'S response
3. If there are portions of any proposal the UNIVERSITY finds unacceptable or otherwise in need of
clarification or revision, the UNIVERSITY reserves the right to clarify or negotiate with any or all
VENDORS. Should the outcome of evaluations result in a recommendation, any resulting
contract will be subject to the approval of the UNIVERSITY'S General Counsel and must be
approved and signed by the appropriate UNIVERSITY representative.
4. After notification of acceptance of proposal and the signing of a resulting agreement and/or
Purchase Order, the successful VENDOR will be expected to establish and be in a position to
commence work or services on or before July 1, 2026.

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H. VENDOR Profile, Experience, References, and Lost Accounts
1. VENDOR Profile should include:
VENDOR is required to provide organizational data that demonstrates the size, scope and
capability of the Company to handle the UNIVERSITY'S specific requirements specified in this
RFP. Explain any company relationships that could be construed to be a conflict of interest in
doing business with the UNIVERSITY now or in the future.
Upon University request, VENDOR must agree to provide publicly distributed annual reports
and/or independently audited financial statements including its statement of financial
position, statement of operations, and statement of cash flows for at least the past three years.
Vendor must further agree to permit the UNIVERSITY, upon request, to audit VENDOR's books,
but only as it relates to the Wayne State University account, including invoicing, operational, and
technology controls (when applicable). The University is limited to 1 request per calendar year of
this agreement.
If / when requested, failure to agree to this will result in disqualification of your bid (see
Schedule D).
Financial Information will be treated as confidential and not added to the publicly permanent RFP
file. Requested Financials must be sent to:
ATTN.: Kenneth Doherty, Associate Vice President
Procurement & Strategic Sourcing
Wayne State University
RFP: Inbound Health Insurance for International Students and Scholars
2026
Procurement & Strategic Sourcing
5700 Cass Avenue, 4th Floor - Suite 4200 AAB
Detroit, MI 48202
VENDORS must include a self-addressed envelope marked "Confidential" with their financial
statement. Statements will be returned upon completion of any University review.
2. Experience
VENDORS are to state in their proposals their qualifications to meet the RFP
specifications in terms of past and current consulting experience with the same or similar
requirements. This information should be provided in the VENDOR'S Exhibit 2 of their proposal.
VENDORS are to focus on experiences with organizations having needs similar to that of the
UNIVERSITY.
3. References
Upon request, VENDOR must agree to provide a minimum of three (3) qualified references.
Requests for references will come from Brittney Mills, Senior Buyer, and will be treated as
confidential and not added to the publicly permanent RFP file.
References are to be from organizations that have successfully utilized the products and
services. The references supplied should include the name and address of the organization, and
the contact's name(s), titles, e-mail, and the telephone numbers.
Failure to provide references (if requested) will result in disqualification of your bid.
4. Lost Accounts and Legal Actions
Upon request, VENDOR must agree to provide a list of significant accounts that the VENDOR
has lost during the past three (3) years. "Significant" for this purpose shall be construed to mean

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accounts representing billings by the VENDOR in the range of $25,000.00 or more each year. A
lost account can be defined when the vendor has been terminated on a job because of
performance or default. Contact names and telephone numbers of affected Companies must
be provided.
Indicate any significant past or pending lawsuits or malpractice claims against the VENDOR.
I. VENDOR Service Plan
Vendors should include a complete description of the products and services offered in their Proposal.
The Service Plan should include, but not be limited to:
1. A summary of the products or services to be provided.
2. When applicable, a timeline showing how the Vendor plans to deliver products and/or services
to fulfill any contract issued as a result of this RFP.
3. Key staff members at the Vendors organization that will be assigned to the University account
or will otherwise be part of an implementation team.
4. Any resource requirements on the part of the University necessary in order for the Vendor to
meet its obligations under an agreement resulting from this RFP.
5. Any hardware, software, or other technology the University must have in order to use the
Vendors products or services.
6. Any alternative ideas or proposals that should be considered by the University in addition to
the base proposal.
III. SCOPE OF WORK AND PROJECT REQUIREMENTS
Wayne State University is soliciting proposals for hard waiver international students, scholars, and
exchange visitors' accident and sickness insurance program for the academic year 2026/2027. A
single company will be chosen to provide the insurance for students, scholars and exchange visitors of
Wayne State University.
Please understand that this request for proposal constitutes an informal, non-binding process, which does
not involve public funds and is not subject to legal or administrative challenges under any public
procurement regulation or statute.
Award: The decision for an RFP award will be based on the ability of the company to provide service, cost,
and general conformance to the proposal procedure, as well as overall reputation and financial strength of
the bidder.
The Award will not be made until the University Student Health Insurance Advisory Committee has had
sufficient time to evaluate and consider all proposals. The University has complete discretion to invite some,
but not all to appear before the Committee to discuss their proposal. A single company will be chosen to
provide the insurance program for Wayne State University's students.
Minor Deviations in Benefits: It is the University's desire that your quotation be based upon the Benefit
Specifications. If your company's underwriting rules require a technical or minor benefit deviation from the
specifications, please describe each deviation and indicate the reason for the deviation on the rate page.
Preferred Provider Arrangement
A Preferred Provider Organization (PPO) arrangement is of interest to the University, as well as a pharmacy
discount plan or prescription card, vision and dental. Provide any and all information pertinent to these
proposed arrangements. Please provide a list of hospitals allowed. Provide a list of pharmacies included in
the network.
Referral Requirements
Preference is a PPO Plan that does not require referrals.
* Quest Diagnostics for lab work is included in the network.
* Deductible is waived for services provided by Campus Health Center.

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* Please find our current plan here: https://student.jcbins.com/storage/app/student-
public/Wayne%20State%20International%20Brochure%202025-26.pdf
Compliance
All bidders must be in full compliance with all provisions that relates to student health insurance and with all
other applicable state, federal and local laws. Complete coverage shall be extended regardless of
geographic location (on or off campus, inside or outside Michigan or the USA). A 1-800 number must be
available for student questions.
Proposal Forms
Bidders must complete the Proposal Questionnaire (Schedule E) and state their proposal on the Premium
Summary form provided. Proposals shall be submitted as follows:
A. Hard waiver accident and sickness coverage in accordance with the RFP for international students,
scholars, and exchange visitors.
The University reserves the right to require additional reports or information not included in this
document.
SPECIFICATIONS
1. The terms of the contract will be for a one year period, commencing on or before July 1, 2026 through
June 30, 2029, with the option of the university to renew on a year to year basis for up to two additional
years of service, through June 30, 2031, if satisfied with the service and the renewal rate thereafter. The
first two years of service must be at guaranteed rates as shown in Cost Schedule C. The Company will
have the privilege, upon written approval by the University on second annual policy anniversary date, of
adjusting premium rates either upward or downward as loss experience may indicate. Written notice of
intention by the insurance company to adjust premium rates for the next policy year shall be given to the
University not less than 180 days prior to the anniversary date.
2. Bidder must agree to write the policy in such a manner as to clearly indicate without any question or
doubt all benefits provided as set forth in the specifications.
3. Only insurance companies licensed to do business in the State of Michigan shall be considered.
Companies are required to have an A.M. Best Rating of A- or higher.
4. The group accident and sickness program is sponsored by the University for the benefit of all students.
The insurance contract is to be written in the name of Wayne State University.
5. It is agreed that the rates quoted under these specifications be made available to Wayne State
University students and dependents and quoted in whole dollar amounts.
6. A computerized statement of incurred and paid losses for each of the plan is to be furnished to Wayne
State University, Office of International Students and Scholars located in the Welcome Center
Building, 42 W. Warren Ave. Suite 416, Detroit, MI 48202 on a semi-annual basis by the Company,
and an annual statement of incurred and paid losses is to be furnished as soon as possible after the
close of each policy year, but under no circumstances later than 90 days after each anniversary date.
Subsequent statements shall be submitted at six month intervals showing additional actual expenses, if
any.
7. The successful insurance company is to provide toll-free telephone access to enrollees, and the
University Student Health Insurance Advocate (see item 22) for claim inquiries and for confirmation of
coverage to "Health Care Providers". The company must be available at least 40 hours per week.
8. The successful insurance company shall perform all services in connection with the administration of
the student insurance programs. The successful insurance company shall provide the University with an
admin portal that the University Health Insurance Advocates can readily access. The admin portal
should include an active and updated list of the insured.