RFP 26-24-SD Medical, Dental, Vision, Prescription, and EAP - Addendum 1

Agency:	County of Spotsylvania
State:	Virginia
Type of Government:	State & Local
NAICS Category:	423450 - Medical, Dental, and Hospital Equipment and Supplies Merchant Wholesalers
Posted Date:	Feb 12, 2026
Due Date:	Feb 23, 2026
Original Source:	Please Login to View Page
Contact information:	Please Login to View Page
Bid Documents:	Please Login to View Page

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Finance | Procurement Division

8800 Courthouse Road | Spotsylvania, VA 22553

Phone: 540-507-7599

Addendum No. 1

RFP No. 26-24-SD

Medical, Dental, Vision, Prescription Insurance and EAP Benefits Coverage

February 12, 2026

This Addendum is issued in accordance with the RFP Terms & Conditions and is intended to provide

additional information and clarification to Respondents.

This Addendum consists of one (1) item which is listed below and is an integral part of the RFP to which

it is attached and is incorporated therein and made part thereof by this reference.

Item 1 – Questions and Answers

1.1 Are there specific documents pertaining to the EAP portion of the RFP? There is no mention of the

requirements for the EAP other than the “Wellness Objectives” which is not EAP.

Answer: Documentation related to the EAP portion of the RFP will be provided by OneDigital to

all interested parties in separate, secure communication.

1.2 Please send any reporting information and data pertaining to the RFP.

Answer: All available reporting information and data pertaining to the RFP will be provided to all

interested parties by OneDigital via separate, secure communication.

1.3 On the 10/1/2025 ASO renewal file, we are only seeing a composite rate for their Specific Stop

Loss premium. Assuming that this group not have aggregate coverage? We do see the fully funded

equivalents and are using those for comparison purposes, but we still would like to review the

final/signed stop loss policy (if available) to check for any lasers as well.

Answer: Spotsylvania County does not carry aggregate stop-loss coverage. Signed ASA and stop-

loss agreements are not available. Unsigned copies are included in the addendum data and will be

provided to all interested parties by OneDigital via separate, secure communication.

1.4 Additional detail related to identifying Rx utilization for large claimants – including any available

reporting for the #2 large claimant with “Mx Myeloma & Malig Plasma Cell Neo.”

Answer: The County can confirm that the member is currently in active and on-going treatment,

however, detailed case notes or additional reporting beyond what is included in the addendum data

are not available.

1.5 1.1.2024-12.31.2024 for large claimant reporting, if available.

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RFP 26-24-SD | Page 1 of 12

Answer: Large claimant reporting for the period January 1, 2024 through December 31, 2024 is

included in Attachment B to this Addendum.

1.6 Any broker commissions for OneDigital that we should include in our proposal?

Answer: The County issues the following clarification regarding broker compensation and proposal

pricing requirements:

Section III – Statement of Needs states that cost proposals shall be quoted net of commissions.

To ensure clarity and uniform proposal pricing, the below clarification modifies and supersedes any

conflicting language in Section III – Statement of Needs regarding commission.

The County provides the following direction:

(a) Medical Coverage

Offerors proposing medical coverage shall include broker compensation in the amount of $6.50

per employee per month (PEPM) payable to OneDigital. Medical rates submitted shall

include this commission amount.

(b) Dental and Vision Coverage

Offerors proposing dental and/or vision coverage shall submit rates net of commissions. No

broker commission shall be embedded in dental or vision rates.

For purposes of evaluation, the County will consider total program cost inclusive of broker

compensation where applicable. Offerors shall clearly identify whether broker compensation is

included in the submitted rates.

1.7 The TPA OneDigital would like JHP to assume (with TPA Admin fee, if possible).

Answer: The County will not designate or select a TPA for quoting. Offerors shall propose the

TPA solution that best accomplishes the goals of the RFP and best serves the employees of

Spotsylvania County.

1.8 In the RFP, Section V requests a “Completed Wellness Exhibit”. Is this a separate document? If so,

please provide this required document. However, if it is not a separate document, we will be

including responses to “Sections F Wellness” and “D. Clinical Quality Indicators” in this section.

Answer: Please disregard the request for the Completed Wellness Exhibit. No such document is

included in the RFP. Offerors shall instead describe any wellness programs their firm offers that

would be beneficial to the County.

1.9 We do not see an actual Rx claim file that could be used for a claim/claim analysis to demonstrate

the savings potential from our solutions.

Answer: A complete Rx claims file is not available. Available information is limited to the top 25

drugs and diagnosis.

1.10 Please provide a census that includes all eligible waivers.

Answer: A complete eligible census, including waiver information, will be provided to all

interested parties by OneDigital via separate, secure communication.

1.11 Please provide Dental and Vision rates for the current plan year as well as a 5-year history

Answer: Dental and Vision rates are currently combined with the medical rates for the applicable

tier of coverage. Separate standalone Dental and Vision rate histories are not available.

1.12 Please confirm the broker commission amount included in the Dental and Vision plans.

Answer: Offerors shall quote Dental & Vision net of broker commission.

1.13 The Geo Access parameters in the RFP document refer to the Medical plan. Please confirm the

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RFP 26-24-SD | Page 2 of 12

parameters needed for Dental and Vision.

Answer: Offerors shall apply the same Geo Access parameters used for the Medical plan to the

Dental and Vision plans.

1.14 Please confirm if the Vision Plan should be considered Voluntary (no employer contribution to the

rates) or Contributory.

Answer: The Vision plan is currently bundled with the medical plan. Offerors shall propose rates

and benefits plan designs for a standalone Vision plan, not bundled with Medical.

1.15 In order to provide a provider disruption report we must receive the current in use providers from

the incumbent carrier in excel. This file must contain provider TIN, provider first name, provider

last name, provider address, city state and zip.

Answer: Provider disruption data will be included as part of the addendum data set and will be

provided to all interested parties by OneDigital via separate, secure communication.

1.16 For respondents not proposing medical/pharmacy benefits, should those sections be removed from

the table of contents and renumbered, or retained as placeholders for tab consistency with a “Not

Applicable” notation?

Answer: Offerors not proposing Medical and/or Pharmacy benefits shall retain the applicable

sections for tab consistency and indicate “not applicable” in their responses.

1.17 A. Please confirm whether “rates shall remain firm for the initial five years” is intended to require

flat rates for the full five-year term, or whether a disclosed multi-year rate guarantee structure (e.g.,

defined rate guarantees with stated renewal caps) is acceptable.

B. Additionally, please confirm whether the referenced Medical CPI is intended to apply to dental

and vision benefits, and that any post–year five rate adjustment is capped at the lesser of CPI or 3%

on a per-renewal year basis (non-cumulative), and not subject to adjustment due to standard

underwriting factors (e.g., enrollment changes).

Answer: The purpose of this requirement is to allow the County to evaluate and plan for a multi-

year rate structure. Offerors are not required to propose flat rates for the full five-year term;

however, flat or stable rate structures are preferred. Multi-year rate guarantees with clearly

disclosed renewal terms and caps are acceptable.

The reference to Medical CPI is intended to support long-term planning. Offerors should clearly

disclose how any proposed rate adjustments would apply to Medical, Dental, and Vision benefits,

including any post–year five adjustments, caps, or assumptions.

1.18 A. The census includes retirees but does not identify which individuals are post-65. Based on our

review of dates of birth, we estimate there are approximately 43 post-65 retirees enrolled in the

dental plan. Please confirm whether this estimate is accurate so we can rate the plan both including

and excluding post-65 retirees, as requested.

Answer: The census provided includes date of birth and plan enrollment information. The plan

currently allows post-65 retirees to remain enrolled. Offerors shall use the provided census as the

basis for their proposed rates.

B. If the above estimate is not accurate, please clarify the correct number of post-65 retirees

enrolled in dental.

Answer: The County is not providing a separate count of post-65 dental retirees. The census

includes date of birth and plan enrollment information, and offerors shall use the provided census as

the basis for their proposed rates.

1.19 Additionally, the PDF titled “SPOTSYLVANIA COUNTY (All Retirees over 65)_retiree over

65_20251208 12_54 PM” contains medical and pharmacy claims for post-65 retirees, but we did

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RFP 26-24-SD | Page 3 of 12

not see corresponding dental or vision claims data. If available, please provide dental and vision

claims for post-65 retirees. This information is particularly relevant if the post-65 dental population

differs from the estimated 43 lives.

Answer: Dental and vision data claims data cannot be segmented by post-65 retirees. Accordingly,

separate Dental or Vision claims reporting for post-65 retirees is not available.

1.20 Is it possible to get a Rx Claims file:

Answer: A complete prescription claims file is not available. Available information is limited to

the top 25 drugs included in the original data submission Data set will be provided again to all

interested parties by OneDigital via a separate, secure communication.

1.21 Please provide the Dental/Vision Rates Current & Renewal

Answer: Current Dental and Vision rate information will be provided to all interested parties by

OneDigital via separate, secure communication. Please note that the client's medical, dental, and

vision premiums are currently combined into a single rate. In addition, a separate Vision

administrative fee of $1.13 per month applies. Dental carrier rates are listed below:

Employee Only

545

Employee + Spouse

144

Employee + Child(ren) 143

Employee + Family

340

$30.47

$60.90

$63.93

$91.36

1.22 Would you be able to send me the top provider/facility list?

Answer: A network analysis including the top provider and facility information will be provided to

all interested parties by OneDigital via separate, secure communication.

1.23 Is the current ASO Dental integral to Medical? Is the Medical Plan Grandfathered as defined by

ACA? If the dental ASO plan is integral to medical, this is not something our systems can

administer and we would not be able to quote on this group

Answer: The Dental ASO rate is separate from medical plan; Premiums for medical, dental, and

vision are paid together by employees, while the Dental ASO arrangement is separate from

Medical.

1.24 Can you please provide a copy of the census showing all eligible employees as well as their home

zip code?

Answer: A census including all eligible employees and home ZIP code information is included in

the addendum data and will be provided to all interested parties by OneDigital via separate, secure

communication.

1.25 Can you please provide a copy of the full dental booklets with procedures and frequencies?

Answer: The dental summary of benefits will be provided to interested parties by OneDigital in a

separate, secure email.

1.26 What are the current and renewal rates for both dental and vision?

Answer: The dental summary of benefits (three-page document) is included in the addendum

materials and will be provided to all interested parties by OneDigital via separate, secure

communication. Full dental booklets are not available.

1.27 Are you able to get all providers used within the last 12 months along with the total submitted

charges and paid claims for each provider? In addition to this Provider Disruption information, we

like to see if the current carrier can provide us with Financial Disruption information. In this report,

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RFP 26-24-SD | Page 4 of 12

we would look for the following data elements in an excel worksheet:

Provider Tax ID Number

Provider Name

Provider Address

Provider City

Provider Zip Code

Provider Network Indicator for Current Carrier

Claim Allowance

Submitted Charge

Paid Claim Amount

Allowable Charge

Dental Plan Indicator (if more than one plan is offered).

Procedures by ADA code if available

Answer: Available data will be provided to all interested parties by OneDigital via separate, secure

communication.

1.28 A. Is the current dental plan ASO or fully insured?

B. If fully insured, can you please provide current rates?

C. If ASO, can you please provide the current ASO fee and any shared savings?

Answer:

A. The current dental plan is administered on an ASO basis.

B. Not applicable.

C. The current ASO fees and enrollment information from the most recent renewal are included in

the addendum materials and will be provided to all interested parties by OneDigital via separate,

secure communication.

1.29 May you confirm the effective date you are asking for on this dental proposal?

Answer: Dental services shall be effective as of October 1, 2026.

1.30 May you supply a provider file to us so we can complete a disruption analysis?

Answer: Provider disruption data will be provided to all interested parties by OneDigital in a

separate, secure communication.

1.31 May you confirm that the dental trend exceeds the 3% rate of inflation? Would you be able to agree

to the following:

Fully insured offering of two-year rate guarantee and a third-year cap exceeding 5%

Answer: The trend is based on market volatility. If there are rate guarantees, Offerors shall clearly

disclose those guarantees in the financial documents.

1.32 Does the dental insurance today cover active employees, pre-65 retirees, and post 65Retirees?

Answer: Yes, dental vision covers active employees, pre- and post-65 retirees who elect to enroll.

1.33 Do you want dental proposals with and without the post 65 retirees covered?

Answer: Offerors are not required to submit separate proposals excluding post-65 retirees.

However, if the removal of post-65 retirees would result in a change to proposed rates, that

potential impact must be clearly disclosed and reported in the proposal.

1.34 Can you please provide dental claims without the post 65 retirees covered?

Answer: Dental claims data cannot be segmented to exclude post-65 retirees. Accordingly, separate

dental claims reporting without post-65 retirees is not available.

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RFP 26-24-SD | Page 5 of 12

This page summarizes the opportunity, including an overview and a preview of the attached documents.

RFP 26-24-SD Medical, Dental, Vision, Prescription, and EAP - Addendum 1

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