State of Connecticut - REQUEST FOR INFORMATION Plan Administration and Marketing/Sales Services for the Municipal Employee Health Insurance Program

State of Connecticut

Background Information

This document is a Request for Information (RFI) for plan administration and marketing/sales services for the Municipal Employee Health Insurance Program (MEHIP). The selection process for administration, sales and marketing organizations will be a two step process. The first step will be to gather preliminary information on qualified organizations through responses to this RFI. The second step will be to obtain detailed proposals, including fee arrangements to be used in selecting the successful vendors for MEHIP.

The purpose of this RFI is to determine the organizations which are both interested in and capable of performing the administrative and marketing services for the MEHIP. The information gathered in response to this RFI will be used to determine those organizations which will be sent the Request for Proposals. The response to the RFP will be the basis of the final selection of the successful organization or combination of organizations.

This RFI will provide potential proposers with a description of the services being sought as well as a preview of the information that will be required in response to an RFP. This RFI is divided into three sections. Section I is the request for plan administration services; Section II is the request for marketing/sales services; and Section III is the requirements of all vendors.

Because it is critical that the administration function and the marketing function operate smoothly and present the appearance of being fully integrated to MEHIP customers, the ideal selected vendor would be able to perform both the administration and the marketing/sales functions. If two separate vendors are chosen for these functions, they would be required to work very closely with each other; excellent communication and rapport between the two organizations is critical to the success of the program. However, because there are a limited number of organizations with capability to perform both functions at the level of service expected, MEHIP will consider all proposals from vendors that wish to propose on only one of the two functions. We request that all vendors responding to one of the functions review the RFP for the other function in detail to gain greater understanding of their role.

History of MEHIP

MEHIP was created by the Connecticut Legislature under Public Act Number 96-234 which was passed on July 1, 1996, "An Act Opening the State Employee Health Plan to Municipal and Small Business Employees." Its purpose was to enable the State to create a cost effective health care plan for the State's municipalities through its relationships with its health care vendors. It empowered the Comptroller to take steps to create a health care program for municipalities to help reduce municipal health insurance costs by opening the State Employee Health Plan to municipal and small business employees. The MEHIP will be operational on July 1, 1997. Coverage under MEHIP is not mandatory; the program simply creates another option for public employers in the insurance marketplace. MEHIP is managed by the Office of the Comptroller, which is the state agency responsible for administering the state employee benefits program. A coalition committee will work with program staff at the Office of the Comptroller to assist with overall program direction and policy.

There are approximately 350 to 400 public jurisdiction groups and more than 100,000 public employees (and 250,000 members) eligible for MEHIP. Eligible groups include school districts, cities, townships and other local jurisdictions. State employees are not eligible for MEHIP. Exclusive representatives can join MEHIP on behalf of their represented employees or an employer can choose to join MEHIP on behalf of all employees. It is expected that the most common way for groups to enroll is as a whole group -- with both employer and exclusive representatives in agreement. Individual public employees cannot participate in MEHIP unless the group in which they are employed enrolls in MEHIP. On behalf of MEHIP, the State of Connecticut will contract with private Connecticut insurance carriers and managed care organizations to provide the insurance benefits and services. The carriers are Blue Cross Blue Shield of Connecticut, MD Health Plan and Kaiser Permanente.

A unique feature of MEHIP is that the selection of health plans is done at the employee level. Employees can choose any plan (depending on the availability in their location), while employers only have to contract with one program. The health plans offered are high quality managed care plans, each with similar benefits, but a different network of doctors and care providers. If there are areas of the state where there are no managed care plan options, MEHIP plans to offer a comprehensive major medical plan.

I. Request for Plan Administration Services

A. Services Required of Selected Administration Vendor

The services required of the selected administration vendor are outlined below. The contract would be effective through July 1, 1999.

New Business Set-up

Premium Billing and Collection

Each group will have its own set of rates depending upon the demographics of that group. Groups are billed as either two-tier or three-tier rate structures.

Claimant Eligibility Maintenance

Commission Payments

Customer Service

Reports to MEHIP Staff

Recordkeeping

Positive ID File

The selected vendor must establish and maintain a master eligibility file for MEHIP. The file will have unique positive identifiers for MEHIP and will also maintain employer specific identifiers. The selected vendor will maintain separate subgroup files for participating employers as may be requested by MEHIP.

The Office of the Comptroller stipulates a standard of twenty (20) days from date of sale to actual enrollment of each eligible employee and other eligible individuals in the health plan of their choice. It is the responsibility of the selected vendor to perform the enrollment activities in a timely manner to assist the carriers to meet this standard. Upon notification of a sale, the selected vendor will notify all carriers by providing a listing with the name of the employer group, the number of members specific to each carrier and the effective date of coverage. After entry of all appropriate claimant eligibility data into the master eligibility file, the selected vendor will configure the data into a format specific to each carrier and transfer the data no later than weekly. The selected vendor will also make known to each health carrier the individual(s) designated as the selected vendor's customer service resource for MEHIP. The selected vendor will send a letter of confirmation to each participating employer who enrolls in MEHIP. The letter of confirmation must include: (1) a list of subscribers and their carrier of choice, and (2) confirmed effective date and billing rates, and (3) other information as specified by the Office of the Comptroller.

Maintenance of the Master Eligibility File

The selected vendor will be required to act on all enrollment and termination transactions for MEHIP related to new hires, terminations, approved late entrants, COBRA beneficiaries and retirees reported to it by the agent or a participating employer, in order to maintain the accuracy of the master eligibility file. The selected vendor shall execute these transactions within five (5) days after receipt of the information and shall forward the transactions to the appropriate carrier(s). The selected vendor shall reconcile the eligibility file with each carrier on a quarterly basis.

Full-Time Students

Full-time student status must be verified for eligible dependents age 19 through 24 years. The selected vendor will mail a notice of confirmation in October, February and May of each year to each enrolled eligible dependent or employee who must verify full-time student status within thirty (30) days. If there is no response within the thirty (30) days, the selected vendor shall cancel coverage effective the first day of the next month and the subscriber and health carrier will be notified.

Dependent Verification

Upon receipt of enrollment form, the selected vendor will verify the dependent status of any dependent who is able to be identified as a grandchild, stepchild, illegitimate child or child with a handicapping condition. This verification will be done before the child is added to the eligibility file. After all subscribers are enrolled, the participating carriers will be advised if they identify any dependent who was not originally identified as a step child, grandchild, illegitimate child or child with a handicapping condition.

Coverage Effective Dates and Premium Charges

All coverage for employees and dependents eligible on the effective day of coverage under MEHIP shall begin the first day of the first month of eligibility for the employer group under the MEHIP. New hires and approved late entrants shall be effective on the first day of the month following the day their eligibility for health insurance begins through the participating employer. Approved late entrants shall be effective on the first day of the month following the day coverage is approved.

Eligible additions to an employer group due to marriage, the addition of first dependent children or other eligible reason are effective on the first day of eligibility; premium payments become payable on the first day of the month coinciding with or next following the effective date of the change.

Terminations effective at any time during a month of coverage will not be calculated as a refund for partial month coverage. Terminations will not be prorated.

Premium Collection and Billing Statements

The administrator will be responsible for all premium collection activities. They will produce and mail a consolidated premium billing statement to each participating employer by the fifteenth (15th) of each month for prepayment of the following month's premium. The notice shall state that payment from the participating employer is due by the twenty-fifth (25th) of the month preceding the coverage month.

Delinquency Notices

If a participating employer does not make the required payment, a notice of delinquency will be mailed by the fifteenth (15th) of the month of coverage. The notice shall state that coverage will be terminated retroactive to the first of the coverage month if payment is not received by the selected vendor within ten (10) calendar days, and shall state that premium for the following months is also due by the 25th of the coverage month, the selected vendor shall mail a termination notice retroactive to the first of the coverage month to the participating employer for receipt before the end of the coverage month. This notice shall also state that the participating employer is ineligible to participate in MEHIP for a period of two (2) years from the effective date of termination.

By the tenth (10th) day of the coverage month, the selected vendor shall provide carriers with a listing of all participating employers who are delinquent in paying employer premiums for the coverage month. By the 25th of the coverage month, the selected vendor shall provide carriers with a listing of each participating employer who continues to be delinquent so the carriers can release letters to the affected subscribers with notification of termination of coverage within the time period required for notification and grace period under the relevant licensing statutes.

Monthly Funds Distribution

Each month the selected vendor shall distribute the collected employer premiums as follows:

B. Cost Analysis

This section B is provided to assist potential proposers in obtaining an understanding of the Office of the Comptroller regarding expectations of how charges might be assessed by the successful organization(s). Vendors who will be responding to both the administration and the marketing/sales RFP will be welcome to submit cost in non-traditional formats. Any combination of commission, flat fees or per member per month charges can be used. However, the Office of the Comptroller will need to understand the split of cost of these services.

The Office of the Comptroller expects that the MEHIP will compensate the Enrollment & Billing Administrator a fee of $xxxx per month for each employee enrolled in MEHIP. Vendors who are planning to propose only on the administrative section must submit charges using the following fee structure format.

Administration Fees by Service
New Group Set-up and Renewal Changes $____PEPM
  • Establish MEHIP and Program identifiers on computer system.
  • Maintain employer-specific identifiers on computer system within each Program.
  • Recalculate and verify rates based on enrollment of new group.
  • Advise employer and marketing organization if rates are to be modified.
  • Advise carriers of new groups immediately upon notification of the sale.
  • Create and maintain a common claimant eligibility file for all carriers.
  • Convert claimant eligibility date to a format compatible to each carrier.
  • Send a rate confirmation notification to each employer along with an employer administration guide.
  • Implement eligibility edits and controls to prevent fraud and abuse.
Premium Billing, Collection and Accounting $____PEPM
  • Produce and mail consolidated premium bill to employer on the 15th of each month for prepayment of the following month's premium.
  • Advise carriers within 10 days after the premium due date of the employer's failure to pay premium, and again by the 25th of the delinquency month of the employer's continued failure to pay and the termination of coverage effective on the first of the following month.
  • Handle premium collection activities.
  • Create billing and payment histories.
Customer Service $____PEPM
  • Handle all premium billing, enrollment and eligibility matters; will refer callers to specific carrier contacts for all claims-related matters.
COBRA Administration and State Mandates (Optional) $___ PEPM
  • Administer eligibility for COBRA continuation and prepare notices.
  • Administer premium billing.
  • Inform Carriers of eligibility as "terminate/reinstate."
Claimant Eligibility Maintenance $___ PEPM
  • Continuously transmit updated eligibility date to each carrier at least weekly, including new hires, terminations, approved late entrants, COBRA beneficiaries and retirees.
Management Reporting and Program Maintenance $___PEPM
  • Create and maintain premium and eligibility reports to use at the end of the plan year for the Retrospective Risk Adjustment Models.
Commission Payments and Accounting $___ PEPM
TOTAL $___ PEPM

In addition, please identify and list any other additional charges that you believe would be required to effectively administer the MEHIP.

C. Criteria for Evaluation -- Plan Administration

Submissions in response to the RFP will be evaluated by the following criteria. The order listed does not reflect the order of priority.

D. Office of Comptroller Staff Responsibilities

  1. To adhere to the general conditions and specifications of the contract.
  2. To define and develop general operating guidelines to ensure compliance and overall efficiency.
  3. To ensure that the program is being properly administered by the participating vendors.
  4. To assist in annual rebidding\renewal of insurance company and other vendor contracts and rates.
  5. To provide various organizations, including the state legislature, with initial and ongoing enrollment/membership data.

E. Questionnaire for Plan Administration Respondents

Please include complete responses in your proposal to the following questions.

General Questions

  1. How many years has your organization administered each of the following programs?
    1. Medical
    2. Managed Care Arrangements
    3. COBRA Administration
    4. Managed Health Care Programs
    5. Dental
    6. Life Insurance
  2. What is the name and title of the person who would be ultimately responsible for the MEHIP account?
    1. Where is this person located?
    2. Please provide a description of that person's qualifications, tenure and experience.
    3. What level of decision-making and contracting authority does this individual hold in your organization?
  3. Does your organization provide clients with up-to-date information on legislative changes that could impact their plan or their plan's administration (for example, interpretations of COBRA legislation)? How is this accomplished? Provide an example.
  4. Does your standard contract contain a termination clause? If so, under what conditions can you cancel a contract?
  5. Please include a list of ten accounts serviced by the office which will be providing services to MEHIP with enrollment of at least 1,000 employees. Please provide the name, address, and phone number of an individual from each group who is familiar with the administration of the program and the level of service provided. Please indicate whether these accounts are multi-employer plans.

Plan Administration Questions

  1. Describe the organizational structure of your administrative division. What level of training, expertise and background is required of your employees?
  2. What methods do you suggest for collecting initial enrollment data? How will this information be entered and maintained on your computer system?
  3. Describe procedures for processing enrollment changes, including marriage, birth, divorce, death and ineligible dependents.
  4. How will accuracy of data be confirmed? How frequently will this need to be conducted?
  5. Describe the computer system you are currently using for enrollment/billing processes. What enhancements are you planning within the next two years?
  6. List the standard information you retain on employers and employees. What additional fields of information are available?
  7. What type of standard data do you retain on spouses/dependents? How will you maintain up-to-date records on spouse/dependent information?
  8. How much time do you estimate for the data collection and data entry phases? What conditions would either shorten/lengthen this time frame?
  9. Please provide sample enrollment and change forms
  10. How will Medicare-eligible/ineligible employees be coded?
  11. How will enrollment information be communicated to the Marketing/Sales organization and the insurance organizations? Describe frequency and options (i.e., tape, disk, hard copy).
  12. COBRA Administration. If you recommend offering plan wide COBRA administration, please respond to the following:
    1. Describe your administration of COBRA continuation.
    2. Describe procedures for monitoring age limits of dependents. How will the employee be notified? When?
    3. Explain the conversion procedures for termination of coverage. Provide sample forms.
    4. Please include sample notification letters, premium billings, etc.
  13. Describe the procedures for monitoring completion of forms. What happens if an enrollment/change form is incomplete or unsigned? What are the time frames in which to resolve or correct the missing information?
  14. Describe your billing division staff-level of expertise, training, evaluation and compensation, turnover rate.
  15. Describe the billing process including cut-off dates, when invoices and membership lists are generated and when this information is mailed to employers.
  16. Describe your accounting and reconciliation procedures.
  17. How are errors on the bill to be reported and corrected?
  18. Explain your policies and practices on premium refunds/credits.
  19. Include sample invoices, membership lists, reconciliation reports.
  20. Describe the banking transactions that will take place upon receipt of payment.
  21. How will carriers be paid?
  22. School districts will need special billing arrangements during the summer months. How do you propose to modify the billing process to account for this three month lapse?
  23. Describe the organizational structure of your customer service division. What level of training, expertise and background is required of these employees?
  24. Describe current response time and follow-up time for existing clients?
  25. Describe your quality control procedures and programs. Provide results of recent efforts.
  26. Are you willing to sign a contract which contains performance measures and penalty clauses? Do you have contracts of this nature with other large clients? Please include names and telephone numbers of the clients that can be contacted for references.

II. Request for Marketing/Sales Services

A. Required Marketing/Sales Functions

The functions required of the selected marketing/sales vendor are outlined below. The selected vendor will be required to work very closely with the administration vendor and with MEHIP staff at the Office of the Comptroller to ensure smooth operations and successful enrollment experiences for customers. Most marketing brochures, forms and training materials will be prepared by, and at the expense of, the marketing organization. The Office of the Comptroller will be directly involved in the development and production of these materials and will be included in all review processes. The selected vendor will also be expected to attend all quarterly MEHIP advisory committee meetings as requested and will prepare a full report on the status of current marketing activities.

Because the Office of the Comptroller has determined that the success of MEHIP will rely heavily on positive agent/broker involvement, the selected vendor will be expected to work closely and in a non-threatening manner with agents and brokers authorized to sell MEHIP. Agent relations are extremely important and the selected vendor will be expected to go to great measures to build positive relations with the agent community. This trust level must be maintained and must be a high priority and capability of the selected vendor. The selected vendor cannot market competing products to agents' customers and cannot interfere with existing agent/customer relations. Part of the contract will include specific non-compete clauses; in addition the role of the marketing/sales organization will be monitored very closely by the Office of the Comptroller staff to ensure appropriate and effective marketing practices are occurring. The contract with the selected marketing/sales vendor will be effective no later than July 1, 1997. The selected vendor will:

B. Cost of Services

It is expected that vendors proposing only on the marketing/sales functions will require a percentage of conventional equivalent premium in order to provide sales support for MEHIP. This expense will be reflected in the overall premium charged by the program. Vendors who are proposing on both administration and marketing/sales services may submit non-traditional cost proposals.

Because the Office of the Comptroller has determined that the success of the MEHIP will rely heavily upon positive agent/broker involvement, it is expected that the compensation structure will reinforce that expectation. As a result, it is anticipated that the sales/marketing agency will receive a small fee if an independent agent sells MEHIP. If an independent agent is not involved in a MEHIP sale, the sales/marketing agency receives 100% of the base commission.

At this time, the compensation to independent agents/brokers has not been determined. As part of the RFI process, we are asking for your suggestions based upon your experience and knowledge of the public employer marketplace for a suggested commission schedule.

MEHIP Independent Agent/Broker Commission Schedule
Number of Employees Per Employee Per Month Percentage of Carrier Premium
2 to 10    
11-29    
30-49    
50-100    
101-300    
300-499    
500 or more    

Assume that commissions are payable for each employee/retiree which enrolls in MEHIP.

C. Criteria for Evaluation

Proposals submitted will be evaluated by the following criteria. The order listed does not reflect the order of priority.

  1. Level of fees required;
  2. Ability to provide statewide sales support;
  3. Extent and quality of services provided;
  4. Experience in working with government organizations and/or purchasing pools;
  5. Previous experience in administering/marketing health insurance; and
  6. Ability to handle short and long-term sales campaigns and databases.

D. Office of Comptroller Staff Responsibilities

  1. To adhere to the general conditions and specifications of the contract.
  2. To define and develop general operating guidelines to ensure compliance and overall efficiency.
  3. To ensure that the program is being properly administered by the participating vendors.
  4. To assist in annual rebidding\renewal of insurance company and other vendor contracts and rates.
  5. To provide various organizations, including the state legislature, with initial and ongoing enrollment/membership data.

E. Sales Plan and Questionnaire
(Will be required for all vendors responding to marketing/sales RFP)

Proposers responding to the RFP will be required to submit a detailed marketing/sales plan for MEHIP outlining the following. Please label the plan accordingly:

Marketing/Sales Questionnaire

Potential proposers providing a proposal in response to the RFP will need to be prepared to include complete responses to the following questions.

  1. How do you propose to handle the statewide marketing needs of MEHIP? Do you currently have a statewide network of sales agents in place? Please describe.
  2. What experience has your organization had in administering and/or marketing state-sponsored insurance purchasing pools?
  3. Who are your major clients, and how many clients do you currently serve statewide? Nationwide? Please list the type of services you currently perform for each of your major clients.
  4. Please describe how the commission structure/incentive pay/bonuses would work for agents/brokers/employees in your organization.
  5. Customer service is extremely important to the success of MEHIP. Please provide a brief statement about your customer service/sales philosophy.
  6. How do you train your network of sales agents/employees and what kinds of mechanisms do you have in place to monitor their performance and activities?
  7. What types of reports do you currently generate in your organization to track sales activities?
  8. Which insurance carriers does your organization currently represent?
  9. How many agents/brokers would you provide to sell MEHIP? Please provide brief histories and qualifications of each. How would you propose to handle MEHIP and the added agent relations function? What additional staff would you add to serve MEHIP customers specifically? How many of these will you need to add to your existing arrangements? Include a sales staff to employee ratio.
  10. . Please summarize your organization's experience in:
    1. Group medical
    2. Plan administration (i.e., initial enrollment)
    3. Group dental
    4. Group life insurance
  11. Provide your ideas for developing a pro-active agent relations program for MEHIP.

III. Requirements of All Vendors

A. Limitations of the RFI Process

The Office of the Comptroller seeks proposals for informational purposes only from prospective organizations and will not willfully omit any qualified proposers. The Office of the Comptroller shall be held harmless for any failure to solicit responses from potential proposers.

This RFI does not commit the Office of the Comptroller to award a contract, to pay any costs incurred in preparing an informational proposal for this request or to procure a contract for services or supplies. The Office of the Comptroller reserves the right to accept or reject any or all proposals received as a result of this request.

The Office of the Comptroller will be held harmless for any intentional or unintentional misrepresentation of the MEHIP in any ensuing circumstances. Responses to this RFI will be used to determine the qualified organizations which will receive the RFP. Responses to the RFP will be used to select the successful vendors for the MEHIP.

B. Vendor Compliance with Statutes

Potential proposers will be expected to conform to all State Statutes. Connecticut State Statute is the enabling legislation for MEHIP.

In accordance with the provisions of Connecticut Statutes, potential proposers will be required to submit an affirmative action plan in response to the RFP.

C. Office of the Comptroller Approval of Key Vendor Staff

The Office of the Comptroller will reserve the right to be involved in the selection of and/or replacement of all key vendor staff that will represent MEHIP. The Office of the Comptroller will have authority to request the removal of vendor staff person(s) from the account with just cause and will also be included in the final interview process for candidates to replace any removed staff persons. Any changes in key staff the vendor makes must be done with 30 day notice and approval of the Office of the Comptroller.

D. RFI Response Timetable and Specific Response Instructions

Response Deadline and Timetable

Timing Task
February 10, 1997 Informational meeting and release of RFI.
February 24, 1997
4:30 PM		 Responses to RFI due at Deloitte & Touche.
Week of
March 10, 1997		 RFP released to qualified potential proposers.
Before the end of
March 1997		 Responses to the RFP due.
Early April 1997 Analysis of proposals received.
Mid-April 1997 Finalists will be notified and may be asked to supply additional information and make a presentation to the selection committee.
Late April 1997 Selected vendor(s) announced.
No later than
July 1, 1997		 Effective date of vendor contracts.

Instructions and Procedures for RFI Responses

  1. Responses to the RFI must be completed and submitted only to the offices of Deloitte & Touche LLP by 4:30 p.m., February 24, 1997. An executive officer of your company must sign your response submission in ink. Three copies should be placed in a sealed envelope and labeled appropriately as either MEHIP Administration Proposal, Marketing/Sales Proposal, or both. Proposals should be submitted to:
    Mr. Nick Paulish
    Senior Manager
    Deloitte & Touche LLP
    Stamford Harbor Park
    PO Box 10098
    333 Ludlow Street
    Stamford, CT 06902-6982
  2. Questions regarding the RFI can be directed to:
    Mr. Nick Paulish
    Senior Manager
    Deloitte & Touche LLP
    Stamford Harbor Park
    PO Box 10098
    333 Ludlow Street
    Stamford, CT 06902-6982
    Telephone: (203) 708-4691
    Fax: (203) 708-4506

    In no event should questions be directed to the Office of the Comptroller.

  3. Any restrictions on the use of data contained within your RFI response must be clearly stated in the proposal itself. All data, documentation, and innovations become the property of the State of Connecticut.

E. Required Elements of the Potential Vendors' Responses to this RFI

Potential vendors must provide as part of their response to this RFI the following information requested below. This information will be the only submission required in response to the RFI. (Questions displayed in Sections I and II are to acquaint potential vendors with the RFP requirements.)

  1. General Questions
    1. What is the name and address of your organization? Please describe the ownership of the organization, the number of employees employed, and the geographic regions served.
    2. Which functions are your firm intending to propose on?
    3. How many years has your organization administered each of the following programs?
      • Group Medical
      • Managed Care Arrangements
      • COBRA Administration
      • Group Dental
      • Group Life Insurance
    4. What is the name and title of the person who would be ultimately responsible for the MEHIP account?
      • Where is this person located?
      • Please provide a description of that person's qualifications, tenure and experience.
      • What level of decision-making and contracting authority does this individual hold in your organization?
    5. What experience has your organization had in administering and/or marketing state-sponsored insurance purchasing pools?
    6. What experience has your organization had in administering and/or marketing health insurance purchasing pools?
    7. Who are your major clients, and how many clients do you currently serve statewide? Nationwide? Please list the type of services you currently perform for each of your major clients.
    8. Please include a list of ten accounts serviced by the office which will be providing services to MEHIP with enrollment of at least 1,000 employees. Please provide the name, address, and phone number of an individual from each group who is familiar with the administration of the program and the level of service provided. Please indicate whether these accounts are multi-employer plans.
  2. Plan Administration Questions
    1. Describe the organizational structure of your administrative division.
    2. Describe the computer system you are currently using for enrollment/billing processes.
    3. Describe your billing division staff-level of expertise, training, and turnover rate.
    4. Describe your accounting and reconciliation procedures.
    5. Include sample invoices, membership lists, reconciliation reports.
    6. Describe the organizational structure of your customer service division. What level of training, expertise and background is required of these employees?
    7. Describe current response time and follow-up time for existing clients?
    8. Describe your quality control procedures and programs.
  3. Marketing/Sales Questionnaire
    1. How would you propose to handle the statewide marketing needs of MEHIP? Do you currently have a statewide network of sales agents in place? Please describe.
    2. Please describe your suggestions based upon your experience and knowledge of the public employer marketplace for a suggested commission schedule.
      MEHIP Independent Agent/Broker Commission Schedule
      Number of Employees Per Employee Per Month Percentage of Carrier Premium
      2 to 10    
      11-29    
      30-49    
      50-100    
      101-300    
      300-499    
      500 or more    
    3. Customer service is extremely important to the success of MEHIP. Please provide a brief statement about your customer service/sales philosophy.
    4. How do you train your network of sales agents/employees and what kinds of mechanisms do you have in place to monitor their performance and activities?
    5. What types of reports do you currently generate in your organization to track sales activities?
    6. Which insurance carriers does your organization currently represent?
    7. How many agents/brokers would you provide to sell MEHIP?
  4. Additional Information
    1. Please provide any additional information which you believe would be critical to assisting the Office of the Comptroller and Deloitte & Touche in understanding the qualifications of your firm to provide administrative and/or marketing/sales services to the MEHIP.
    2. Contact information:
      Contact Name: __________________________
      Contact Title: ___________________________
      Contact Telephone: ______________________
      Contact Fax: ___________________________
      Authorized Signature: _____________________
      Title: _________________________________
      Date: ________________________________

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