Yeah, you may have to swap, mine's a little longer, maybe not, I don't know, she can move with me, there you go, oh yeah, good, yourself, there, we got it, all right, you guys all tore it up, ready, so, you can admit them and just let them know the meeting will start momentarily, thank you, location memo is going to continue, that's momentarily, okay, I was just about to ask you, Good afternoon, everyone, the meeting will begin momentarily, thank you, good afternoon, everyone, committee members, ready, yes, good afternoon, everyone, I am Danielle Cohen-Ebanks, purchasing manager and the meeting facilitator, I would like to call to order this final evaluation committee meeting for request for proposals, RFP number, GEN 212-9040-P1 for group dental health maintenance organization, DHMO, and group dental preferred provider organization, DPPO insurance, this is for the finance and administrative services department, human resources division, the time is 1.04 p.m. on December 2nd, 2025, this meeting is being held through Microsoft Teams, representative from the county or physically here in room 302 of the governmental center building located in Fort Lauderdale, Florida, attendees, please mute your microphones on your devices to limit the background noise, this is a public meeting and is being recorded by Broward County, the video recording will act as the official recording of this meeting, and is being recorded by Broward County, or the video recording of this meeting, and the video recording is being recorded by the webinar's website under the RLIRFP repository, repository. Information reviewed by the Evaluation Committee as part of the evaluation process will also be posted on the repository. This meeting is publicly noticed. The purpose of this meeting is for the Evaluation Committee to hear presentations, score, and rank the responsible vendors. At the initial Evaluation Committee meeting on November 6, 2025, the Evaluation Committee determined all vendors to be both responsive and responsible. Aetna Life Insurance Company, Humana Insurance Company, Standard Insurance Company, and United Healthcare Insurance Company. Meeting attendance will be recorded in the following ways. The purchasing division will record the attendance of county staff physically here in room 302. All virtual attendees, including county staff, please click on the link or scan the QR code that is currently listed in the team's chat section to complete the sign-in sheet. For attendees that cannot access the link or QR code in the team's chat, please email the purchasing agent, Desirene Lescott, or at D-L-E-S-C-O-T-T at broad.org with the subject, EC meeting attendance, and indicate your name, your title, and the company you represent in the email body. We have a quorum present with the following Evaluation Committee members. Committee members, please stay present after your names are called. Alan Wilson, Human Resource Director, Human Resource Division, Finance and Administrative Department. Present. Thank you. Ruth Miles, Human Resource Assistant Manager, Human Resources Division, Finance and Administrative Department. Present. Jessica Lamere Wright, Administrative Officer Senior, Traffic Business Manager for the Parks and Recreational Division. It is the Evaluation Committee's responsibility to review the vendor's submittals to ensure solicitation requirements are met to evaluate the submittals and make a recommendation to award a contract. Each Evaluation Committee member was appointed by the County Administrator to serve on this committee based on their experience. The Evaluation Committee members are responsible for following the county's established committee procedures to select a vendor which provides the services that are in the best interest of the county. At the discretion of the Board, the Evaluation Committee members may be requested to substantiate their recommendation to discuss their submittal reviews. The Kona silence has been in effect since the solicitation's advertisement. Vendors are prohibited from discussing the solicitation with the commissioner's office, county staff, or a member of the Evaluation Committee. The Kona silence terminates when the awarding authority takes action which ends the solicitation. During the Kona silence, inquiries regarding the solicitation should be directed to the project manager or the director of purchasing and or his designee. All vendors may communicate with the designated representative from the Office of Economic and Small Business Development at any time regarding the solicitation's small business enterprise or county business enterprise participation. The summary of vendor rights regarding the Broward County competitive solicitation was issued in the solicitation. The initial Evaluation Committee minutes have been distributed to the Evaluation Committee members. Committee members, is there any discussion regarding the minutes? Hearing none, may I have a motion to approve the minutes from the initial Evaluation Committee meeting? Ruth Miles, I would like to make a motion to approve the minutes from the initial Evaluation Committee meeting held on November 6, 2025. Do you want to have a second? I want to listen, second. All in favor say aye. Aye. Any opposed? Motion passes unanimously. As stated previously in the initial Evaluation Committee meeting, the solicitation required vendors to state whether they accept Broward County's standard terms and condition or if they do not accept them to identify the agreement provisions or vendors' proposed changes. The county provided vendors an opportunity to waive their exceptions prior to this final Evaluation Committee meeting. The following vendor waived two of their 38 exceptions, standard insurance company. The following vendors elected to maintain their exceptions to the county's standard terms and condition, Aetna Life Insurance Company and Humana Life Insurance Company. The specific exceptions taken by these vendors are outlined in an exception matrix that has been distributed to the Evaluation Committee members for their review. At this time, I'll turn the meeting over to our county attorney's office to discuss the exceptions taken by each vendor and answer any questions that the Evaluation Committee may have. Sandy? Good afternoon. Thank you, Danielle. My name is Sandy Steve. I'm an assistant county attorney with the county attorney's office. All vendors were asked to agree to the county standard terms and condition. The exceptions are where the vendors do not agree. If an exception is deemed negotiable by county, that means that the county is willing to consider or negotiate the vendor's proposed changes to the direction upon award. If an exception is deemed non-negotiable or recommended for rejection, that means that the county does not agree with the vendor's proposed modification and such modification is unacceptable to the county. Members of the committee, it is for you to evaluate the responding vendors on equal terms and compare apples to apples. You need to know if one vendor's proposal is conditioned on materially different terms than the other. You are permitted to consider these exceptions in your evaluation of the vendors. Three of the four vendors took exceptions to the county standard terms and conditions. One vendor, UnitedHealthcare Insurance Company, took no exceptions to the terms and conditions. The three remaining vendors, Aetna Life Insurance Company, Humana Life Insurance Company, and Standard Insurance Company, took multiple exceptions to the terms and conditions. Per the RFP's instructions to vendors, taking exceptions to the county's terms and conditions may be viewed unfavorably by the evaluation committee and ultimately may impact the overall evaluation of a vendor's submittal. Each vendor was given an opportunity to waive or affirm their exceptions prior to today's meeting. I will give a brief overview of the status of exceptions taken by the three vendors. So, Humana Insurance Company took 16 exceptions to the county standard terms and conditions. After providing Humana an opportunity to waive, affirm, or clarify their exceptions, Humana provided additional information or clarification to county that resulted in their exceptions all being negotiable. Standard Insurance Company took 38 exceptions to the county standard terms and conditions and conditions. After providing standard and opportunity to waive, or affirm, or clarify their exceptions. Standard waived two exceptions, exception number three and 19, and provided additional information or clarification to county. All remaining exceptions are negotiable. And finally, Aetna Life Insurance Company took 35 exceptions to the county standard terms and conditions and has indicated that there are certain terms and conditions that it cannot agree to such as providing the county the right to directly audit its subcontractors as specified in exception number four and meeting security incident report requirements as specified in exception number 12. After providing Aetna an opportunity to waive or affirm their exceptions, Aetna did not waive any non-negotiable exceptions, but indicated that it will work with the county to come to mutually agreeable language. If Aetna proceeds to negotiations with the county and the county and Aetna are unable to negotiate mutually agreeable language, an impasse may be declared. That concludes the overview. I am available to answer any questions that VEC may have regarding the exceptions taken by vendors. Thank you, Sandy. Committee members, any questions about that overview? No. Hearing none, we'll proceed. The next order of business are the vendor presentations. In accordance with section 286.0113 of the Florida Statutes, presentation and questions and answer are closed to the public. Only committee members come to staff, the representing vendor, and their team will be in the closed portion of this meeting. Other vendors, their team, and members of the public will be excused from the meeting to permit the start of the closed presentation session. Subconsultants partnering with multiple prime vendors are only allowed to participate in one vendor's closed presentation session. Presentations will be limited to 20 minutes, followed by an unlimited question and answer period. The presenter will have five minutes for setup. The timekeeper will be the purchasing agent, Desiree Nascott. As this meeting progresses, the purchasing division will provide email updates to vendors, ensuring that each upcoming presenter is informed when it's time to rejoin the meeting. Once all presentation and question and answer sessions have concluded, vendors and members of the public will be invited to return to the public portion of the meeting, during which the evaluation committee will score and rank the vendors. Members of the public may provide an email address in the chat to be able to be notified when to return to the public portion of the meeting. Vendors were asked to provide an electronic copy of their presentation to the purchasing division prior to today's meeting. The presentations were received and have been distributed to the evaluation committee members. The presentation topics length and order were identified during the initial evaluation committee meeting and distributed to the presenting vendors. Each vendor, the order of presentation will be as follows. First presenter, Aetna Life Insurance Company. Second presenter, Humana Insurance Company. Third presenter, Standard Insurance Company. Fourth presenter, United Healthcare Company. Insurance Company, I'm sorry. At this time, we will now move into the closed portion of this meeting. First presenter, Aetna Life Insurance Company, please remain in the meeting. All other presenting vendors, your accompanying team and members of the public are requested to leave the virtual meeting room. As a reminder, please continue to monitor your emails for when to rejoin the public portion of this meeting. The meeting is now closed. Gregory, are you the only representative for Aetna today? Yes, I will be the only representative today. All right, attendees can be viewed in the team's participant panel. Displayed on your screen momentarily will be the list of county staff. Please review to ensure only your team members and county staff are in attendance. For the record, please affirm there are no individuals in the meeting other than your team and us, county staff. Ready to go, Gregory? I am. All right, you should have presentation ability. Ready? We're seeing your chat right now. You want to share your presentation? There you go. I'll get started. Thank you. Let me start your timer first. Okay, sorry. You can start. Go ahead. Thank you for the opportunity to provide proposal for Brown County government and to present to you today. My name is Eric Fisher. I'm sales VP for Public and Labor Specialty Products. I've been with Aetna for about 10 years now. Under specifically under the Public and Labor Division for Dental Division, 25 years in the history. And again, I'll be presenting to you solo today. I'll be able to successfully present that specialty process. So I will start with the first slide here. I'll be back to just talk about history and evidence of. So we are founded in 1853. We have about 2.2 billion in assets. And we regularly win awards as a top company to work for. We speak to our long tender within our employee population and the stability that we find within our organization. For folks to stay with us, which creates stability throughout the way we manage our products. We have a dedicated public sector labor segment with approximately 1,600 employees. Whose sole job is to think about and support the unique needs of public labor and labor customers in Minneapolis. At the end of 2018, we aligned with CVS Health to revolutionize healthcare and offer localized collectives care like no other company has and can. The collective between Aetna and CVS Health and we've employed over 16,000 employees who are strictly dedicated to quality and local care. Speaking of local, Broward happens to be the home of our Florida headquarters. We also would show more public entities in Broward County in South Florida than any other major carrier. I provided a snapshot of similar groups in size in the location we support. We're doing right. As you can see, it is a pretty impressive group of groups that we have on the books. Your account team will also be in your backyard and steps away from your location. Next slide. Specifically around a service model, our dental service operation model is the key to our success. We take a national approach to calls and claims and representatives in each time zone, both in office and or from home. Our consistent service supports first in, first out model where the next available rep gets the call to post to dedicated teams where he just sit available and others have to back up calls. Our customer service reps are cross-skilled and can support claim and tech functions during non-peak times. There are contingencies in place to support calls during peak times. Our single point of contact is a personalized service contact for larger customers such as yourselves. And as I mentioned, they are located right in your backyard. And we also can make ourselves available for on-site support where necessary or needed. In addition, over real-time call management and forecasting, our true workforce management handles other functions like monitor calls, claims, and tech volumes. Moves people to greatest priority, identifies communication needs for overtime. And our partnership, you know, we meet two to three times per week with management to make decisions. And of course, we contact and have contact with the group daily. So combined with our network strength plan options, it's the reason why Aetna has won the J.D. Power Award for member satisfaction over multiple years. Moving on to third, just a bit about our member experience website. Our digital tools help members reduce add-up on the cost, better manage your family's oral health, and more easily connect with network providers. Our features include claim management. Now, it allows you to view and pay your claims right online or even on your mobile app. Understanding your plan information so there are questions within your population as to what's covered and what's not covered. We have financial information like tracking and spending. We have a unique groundbreaking cost estimate tool where a member can look right on their phone and understand exactly how much a physical service will cost. And we also have digital ID cards. Although ID cards are not required, we do have ID cards that a member can either print off of the website or they can pull up right on their mobile app and present to the dentist. But this also includes reminders and scheduling of supports. So, again, we strive to ensure that the member has everything within reach, no questions, and to continue to improve their member experience. As we talk about implementation, sorry about that, we talk about implementation, we use a proven practice of successfully transiting plan sponsors from another carrier to Aetna. We use custom tools, a team approach, and survey feedback to keep improving and quality of an implementation process. In this way, we continue to build and improve, support, and maintain high-performing implementation teams that truly differentiate ourselves from the knowledge. We use a phased approach to your implementation so that all aspects of the project are thoroughly accounted for. This includes the intervals, such as you see here on the screen, discover, design, implement, set up. We have the go-live dates of January 1st, and the way we monitor post-implementation process to ensure that everything was in line and in place. You'll see right here it states 99% overall customer satisfaction with Aetna. That number has been pretty prevalent over the past, you know, couple decades. And that's one of the major feedbacks that we see from our customers is their experience throughout the implementation process. We keep it seamless, we keep it straightforward, yet detailed, and provide all of the elements that the customer is looking for. And last, there isn't a slide specific about this, so I want to touch quickly on the network that we presented. We are showing a very strong network. Our DMO and PBO is one of the strongest in the country as we continue to drive down costs with several network initiatives. That includes getting redimension providers to improve member discounts, partnering with our DMO providers to ensure that they have everything they need from a support standpoint to ensure that those providers that are in network stay in our network. So we have helped to prevent any disruption on the provider side for the member. As you can see, we have a very large discount within Roward County. We average over 40%. And we have very impressive disruption. We are showing a 92% provider member match on the PBO. Our plan design will be matched equal to a better than, so we ensure that we have proper alignments. We're showing a two-year flight guarantee with escalators in 2028. We also included a $10,000 implementation allowance and performance guarantees on our whole insurance review of products. So just to wrap this up, just to make sure we have a lot of questions. Aetna has been doing this for a long time. We have a very, very track record in success within Roward County, South Florida, with white customers. And we continue to grow year over year, not only just network, but our customer base and the way we invent our clients. So I will stop there. Thank you for your time. And I would like to introduce any questions. Thank you. Members, are there any questions? Or any? I do have one question. Your name and then your question? Jessica Lamar Wright. And my question would be, mostly with the Aetna application, made mention of getting a cost estimate before you make a visit to the doctor. Is that estimate coming directly from Aetna's network or is it coming straight from the provider, those estimates? The cost estimate is tied to our discounts and our fee schedules. Okay. So we know that that provider is within the network. They are bound by our fee schedules. So that estimate is coming directly from Aetna. One of those partnerships will be provided. Thank you. Any questions? A confirmation. Alan Wilson. Alan Wilson. So if I understood the plan design, your DHMO and DPPO, it's the same pricing for in-network and out-of-network? Did I read that correctly? That is correct. All right. Thank you. Any other questions, Alan? Your manager, any questions? Hi. Good afternoon. I would like some clarifications on a couple things. So number one is in our scope of services for both the DHMO and the DPPO, we stated that we want three dental cleanings per year. And in your proposal, it says not confirmed. Are you maintaining that position? Do you currently have a second question? Is that currently in place today for you to please agree? Yes. And we would be able to match it. Typically, as I mentioned, our intent here was to match current plan design. So it may not, I'll have to review again. I'm not sure why it was not mentioned within our plan design, but our intent here was to match existing. So there wouldn't be any, you know, deep plan out of this. So I would say we would be in a position to match that three per year for the cleanings. And that would be for both the DHMO and the DPPO? That's correct. Perfect. Thank you. Moving forward, in the scope of services for both the DHMO and the DPPO, we stated that we wanted deep cleanings. Participants should have a deep cleaning at no cost during the third trimester of pregnancy and up to three months after birth. And in both, you have said not confirmed. So is that still your position? No, we won't confirm. So we have enhanced benefits that are tied to certain conditions, whether it be diabetes, whether it be heart disease, but also pregnancy also falls within that. So within, if there is a member that qualifies, as you mentioned, example, use pregnancy, we do have benefits that are targeted to pregnancy that includes periodontal, certain periodontal services, extra cleaning, as well as a deep cleaning. So I would say we could confirm that we could support that. Perfect. Thank you. And moving forward, in section 5.254, I want to say this is the DPPO, we're also asking for an annual oral cancer screening for participants that are age 18 or older. And this is both for the HMO and the PPO. Are you still maintaining that is not confirmed? At this point, yes. We have a, my legal team and the product team has a particular stance on when it comes to oral cancer screenings, as it pertains to the ADA standard of care. So there are certain reports that show that could be not effective based upon some of the techniques that dentists use. So our stance is strong there, but however, that could be negotiable, depending on the outcome of our proposal. Okay. Um, I'll also like to talk to you about our required or request for the DHMO, where a, we are requesting that employees do not have a primary care dental facility or doctor that it would be required. Um, however, in your proposal, both in, excuse me, just for the DHMO, it says that you would require a dental facility to be, um, assigned. Is that still your position? Yes. That is the standard primary care provider to be, to be assigned. Okay. And we also requested no specialist referrals, yet in your proposals, you're saying that you will require a specialist, uh, a referral to see a specialist. Is that still your position? That's still the position. Yes. Um, in regards to the PPO dental plan. So we currently have what's called a max multiplier. And unless I missed it, I don't think I see that in the plan design. Um, could you talk to us about that? If you do have a max multiplier? Okay. We do. So we have something called an at the dental care rewards program. And what that is, is when a member obtains a, any preventive service, we will increase their, their annual max, uh, by a, a, a disclosed amount. I believe we had two 50 as, as the amount, uh, of, of the increase. So any member that receives their, uh, service, um, and that will, um, that will continue over the next, uh, three years, uh, up to that max amount. Um, so there's no need to qualify. Um, there's no, but they're bound by, it's just a matter of them getting the preventive service to receive that additional maximum. So it's called our added dental care reward program. Um, so that should be, um, within our proposal. Perfect. And in your proposal, I also noticed that you have, uh, quite a few caveats. One of them being participation requirements. I believe in some, it says, uh, 10%, um, in others, um, the rate guarantees are based on no DV8 or I want to say, I'm sorry, I don't have it specifically, but you, you have some caveats about, um, the rates. Is that still your position, even though in both scopes for the PPO and the DHMO, we say that we don't guarantee, um, enrollment? We have, um, a lot of running guidelines that are in place. Um, all those tend to be flexible, but, um, it is, as a, as a guideline, that 10% enrollment. Um, and the, the actual enrollment does dictate, you know, if you do see a, a huge swing, a difference in, in, in enrollment, um, it, it, ATLAN does reserve the right, or just showing it reserve the right to make any adjustments, uh, to the, to the rates provided. Um, because what they were, what, what they were rated was based upon, um, the act of enrollment that was part of the, the initial proposal. And this also includes the retirees? Yes. The retiree, the retiree population is part of the main population. I don't think there's a separate retiree plan design, correct? Um, I also read throughout your proposal that the rig is guaranteed in the event that you are the sole providers for, am I assuming that you are saying that if you are the sole provider, meaning that you are the provider for the DHMO and the provider for the PPO. That's correct. Right. And last but not least, I believe that you are assuming, or there's an underwriting caveat here that says that your rates are assumed, um, in compliance with if, please excuse me. It says we standardly require that the employer contributes 75% of the employee cost or 50% of the total employee independent cost. I'd like to just point out that in the scope of services for both the DPPO and the DHMO, uh, we stated that this is a 100% employee, uh, paid program. So, are you saying that if the employer does not contribute, then the rates would change? No, we would. That's our standard language, though. Knowing that this is a fully voluntary, um, the rates with all of the DPPO assets. Okay. And then just to, I, I guess I got confused when it's, in that same paragraph, it also states that minimum participation requirements for this contribution structure is 30% of the total eligible lives. Yet I, and I, please excuse me, but I may be confusing one or the other. So, first you say that it's 10% enrollment and then there is 30% of total eligible lives. So, how, how, how is that? Am I confused or is this contradicting, uh, percentages? I'm trying to, if part of me, I'm trying to, uh, visually, uh, recollect where you're pulling that information from, um, so I can have, uh, sort of a line up, uh, some context. I can guide you towards where I found it. So, I, I found this in your proposal and it says, uh, assumptions under, underwriting. It says perspective, quoting, and then contribution and participation. And I wish I could give you a page number, but it doesn't have any on your proposal. I think that's standard, um, standard, um, to, uh, a, a fully-voluntary program. Okay. Developing issue in this particular instance, but, um, based upon what we, what we've ascertain, um, on the, uh, the enrollment versus, versus the total population. But that, again, standard language that we've pulled in, that pertains to, um, the way we rate our, our, our grants in this particular instance from a voluntary standpoint. Okay. Thank you very much. No further questions for me. No, of course. Thank you for your questions. Thank you. Circling back, committee members, any questions? Any follow-up questions? Thank you. Hearing none, Aetna, thank you so much for your presentation and your time today. Please continue to monitor your emails for when to rejoin the meeting. Uh, the first presenter, Aetna Life Insurance Company, has now completed their presentation and answered all questions. Um, with purchasing, please invite the second presenter, Humana Insurance Company, to join the closed portion of the meeting for their presentation. Thank you. Thank you. Good afternoon again. Good afternoon again, Humana. As your team is joining, um, please review the, um, meeting attendees in the team's participation, um, chat, um, panel. And also displayed on your screen is county staff, um, that are in attendance. Are we waiting for anybody else from your team? Yes. Laura Nolan also added. Will we be making a presenter today? Um, Laura Nolan should be on as a presenter as well with Humana. Okay. Like I just mentioned, please review, um, to ensure that there's no other team members, um, in the room other than county staff and your team while we wait for Laura. Is there? Laura? Yeah. Well, she was, but I think she wasn't. Okay. Do the job. To share my screen. We can give you access instead. What's your name? Kim Thai. Thank you. I see three attendees. Laura moved it up. So, I see her now. Yes, I'm here. Hi. Good afternoon, everyone. Good afternoon. Good afternoon. Good afternoon. Good afternoon. For the record, please affirm that there are no other individuals in the meeting other than your team and county staff. Laura, I believe you have presentation abilities. It's actually count that sharing. Do you see it? We're seeing your screen. Yes. Okay. Perfect. Use your five minutes to make sure you're comfortable and ready to go. You're seeing the circle, and I think we are good to go. Okay. Ready? Um, you know, purchasing, please start a 20 minute timer. You may begin. Before I present this afternoon, I am the South East region Vice President for Humana's approved benefits. I'm also sure. We have over 20 years, 28 years, and that provider of services in the borough county for over 30 years. Current dental providers have accommodated the county's contract language, for the record. It is a privilege to, once again, share Humana with all of you. We're presenting today as a combined experience of more than 100 years. Unreliable. Further, we have a network of subject matter experts behind the scene, training a seamless service delivery and optimal service. As some of you may be aware, Humana is one of the largest national insurance companies that we have today. With 50 years of experience, some ancient national membership of exceeding 14 million members. With significant strength, scale, and experience, we have to develop a decision to support our county government. The next recommendations intended to review our capabilities. One of its practices was to ensure that we are covering all of your client-line questions. We do take pride in our services in the public sector. We do need the federal government, the state of Florida, and many other local governments across both the state as well as the county. This demonstrates humana's commitment to supporting public sector employees. Also, as a local carrier for Broward County, our location is Miramar and now Las Olas. Owners for our dedication to servicing our county. We reported over 900 individuals in Broward County to share the same commitment to delivering a meaningful, service, and free member experience for your employees. Our approach is somewhat simple, but it's built on three pillars. One, creative and flexible solutions. Basically meeting your employees where they're at. Second, access to one of the largest provider networks in the ancient life. This maximizes your density and provides the deepest discount that we can. You know, this is not just about the premium that you pay on a monthly basis, but it is about the savings that you have in the dentist's office. That amount is definitely much more than the premium associated with a monthly bill. And lastly, accepting on service. This is about commitment to delivering the best possible experience and solutions to your employees. Though significantly reducing your administration burden. Our aim is not only to comply, but also to enhance your employee's well-being and the satisfaction of the plan. With that in mind, on behalf of our team, we thank you for your time. We are confident that our dental solutions are a valuable addition to your benefit. And I would like to turn the station over to Laura Norris, our director of all of the actual jobs. Thank you. Thanks so much, Al. I really appreciate it. As Al mentioned, we have been proudly partnered with for so many years on the DHMO. This longstanding collaboration has been able to help you eliminate added costs and add burden of changing carriers. And it really gives your employees, our members, that stability and peace of mind. Throughout this time, we've continued to innovate with one clear goal. To meet your needs and enhance your offering. So by doing so, we're going to help increase member satisfaction, lower out-of-pocket costs, and support for our county's efforts to really attract and retain top talent. Humana's flexibility and commitment to innovation are at the heart of everything that we do. We know your employees already enjoy our DHMO plan. We have the three routine cleanings without any medical qualifiers, oral cancer screenings, and there's no deductible and no referrals on Humana's DHMO. That really gives your employees the freedom to go see a specialist whenever they want without jumping through hoops. And the nice thing about our DHMO is we have that orthodontic coverage for both children and adults. And with Humana's plan, you can get an opt-in to even have Invisalign braces versus standards and just pay the difference. Humana also includes implant coverage with up to a 10,000 lifetime maximum. And so during this process, we're introducing our PPO. And as you'll hear throughout today, our PPO has one of the largest and most extensive networks. This plan we've curated specifically for Broward County, making sure that we have 100% of preventive services covered. That extra routine cleaning, so three cleanings without any medical prequalifiers, oral cancer screenings, unlimited teledentistry, and a unique feature called the extended annual maximum. Humana's not just offering enhanced benefits, but we have a strong financial commitment. We have a six-year renewal guarantee with performance guarantees. That really shows you that we've had this long-standing relationship, and we want to continue that and enhance the products that we're offering by adding that PPO. Why does this matter to Broward County? Well, the really important thing is it's a minimum impact on payroll. You can see that on some of the plans, the cost may be slightly higher by just a few cents per paycheck, but the value far outweighs the difference. This is going to avoid network disruption on the DHMO because staying with Humana ensures the continuity for our employees. They're able to maintain their primary care dentist and avoid any confusion going to a new carrier. But ultimately, by adding the PPO, we're going to streamline administration, consolidating the benefits, which will help simplify not only for the employees of Broward County, but also human resources, reducing administrative burden, and improving efficiency. We did include Humana's performance guarantees, which demonstrates our commitment to excellence. That same commitment we've had for decades. It's not just a promise of high service standards. We are backing that up with Humana being tied to that financial risk. This means that we're willing to put our money on the line to ensure that we deliver that experience that you expect. Our guarantees cover critical service measures such as claim accuracy, turnaround times, and customer service responsiveness. If we don't meet these standards, then we pay. So that should give you that confidence that we are fully invested in your success. I want to talk to you about the unique benefit I mentioned earlier, the Extended Annual Max Benefit. This is a great value on that PPO plan because members don't have to have a confusing rollover. Sometimes when employees have a rollover, they don't understand how they can get the credits or how much they actually have. It's hard to calculate, and it causes confusion and unused benefits. Humana is proposing something called Extended Annual Max that gives each and every member an additional 30% coverage on day one. That provides continuous coverage throughout the year, reducing out-of-pocket costs, and making sure that people don't avoid treatments or delay it until the next year. In addition to that Extended Annual Max, we are also offering on-site dental care through Jet Dental. Humana can provide this on-site dental care with contracted dentists for both the DHMO and PPO. This provides convenient access to dental services right there at the county. It's really nice. We don't expect that employees need to change their dentist, but really just have it as an added value and better access. Additionally, we offer free teledentistry on that PPO plan. It's included at no additional cost to the county and also no cost to the member. The member can have unlimited visits at zero co-pay. This helps to save time, improve access, and keep them out of the emergency room on the weekends and after hours. Ultimately, Humana is making our dental benefits simpler, more accessible, and more valuable for the county, helping the members maintain or home without having any financial surprises. We go above and beyond, and we don't just stop at offering our robust DHMO and DPPO, but we also offer exclusive discounts. At Humana, any of our dental members can gain access to these discounts on dental health, eye health, hearing up to 60% off on selected services. These savings really go beyond dental, helping employees manage their overall wellness and affordability. So again, our goal is providing innovative and flexible plans to meet your needs, to enhance your benefits, and lower members' out-of-pocket costs. By adding the PPO to that DHMO that we already do, it's going to consolidate it and make it easier on everyone. Now I'm going to ask Jennifer to speak about Humana's extensive provider networks. Thank you. Let's get right into the Broad and National Network and the value it brings your employees. Based on your request about access standards, we re-ran our geo-reports based on Humana's standard of two general benefits in 10 miles for both the PPO and the DHMO. And as you'll see, we have excellent access for your employees for both DHMO and PPO products. So moving on as a long-term partner, familiar with both our organization and the DHMO product, you know firsthand the exceptional value the DHMO brings. Over the past seven years, as you can see, we have remained consistently strong. Our unique location statistics here show we remain committed in our efforts to provide a network focused on growth and stability. Overall network growth of 7% during this period is the result of a strategic effort to support the employees of Broward County. We remain committed to prioritize network growth and stability, making sure employees receive reliable, high-value dental benefits. We're confident Humana is the right fit to continue serving your employees through our DHMO offering, and we have been preparing for the opportunity to be considered for the PPO business for a long time now. I'm really excited to show you what we've done to put ourselves in the best position to be your single dental vendor. The graph we're sharing here outlines our dental network growth over time. There's been a dedicated effort to grow the PPO dental network across the country, and we've had incredible results. We've grown the PPO network by 57% since 2018. We have over 143,000 unique providers nationwide, over 11,000 in Florida, and just over 2,700 in Broward County specifically. We have also retained this network within 95%, which is better than industry trend. We've consistently outpaced our competition over the last few years, and we continue to set strategic growth goals to support clients like you. So let's look at the PPO. This is a network comparison taken from an independent third-party resource called Network 360. We're looking at Broward County-level network data here. Humana has a robust network. We're going to give your employees access to more in-network providers at more locations than other carriers. 93.5% of claims in Broward County that come into Humana are paid in-network. This is a very high in-network claims penetration. What it shows you is that we have the right dentist in the network, the dentist that your employees and our members are seeing. Not only do we pride ourselves on the size of the network, we continue to focus on meaningful discounts. We don't contract with providers just to add a count to the network. We make sure they agree to discount their fees so that our members and your employees can maximize that dental benefit. In Broward County, the average discount our providers offer is 45.5%. Again, this is above industry standard. These significant discounts directly benefit your employees. So let's keep in mind that the greater access to dentists combined with these meaningful discounts are the real key to reducing out-of-pocket expenses for your employees. And finally, our strategy now and our strategy going forward. Our network growth not just reflects a strategy, but a well-executed plan to continue to provide the broadest and most valuable dental network in the industry. Our recruitment efforts focus on highly utilized providers, the right providers again. And we create client specific initiatives called recruitment campaigns, which my team continues to focus on throughout the year. We focus on dentist referrals from members. We provide a QR code or of course our website for you to go ahead and submit those member referrals. My team also is responsible for those. Our engagement with the dental community continues through sponsorships, attendance and industry meetings. And that really sets us apart. These events allow us to be out in front of dentists learning in which ways we can support one another. And finally, our network retention. I mentioned this before, we are best in class in network retention, and it's really a specific result of our strategy. One of the strategies I'll mention and leave you with is a single point of contact or our SPOC initiative. A dental service SPOC is assigned for each of our dental providers so that dentists and their office managers have one place to go for administrative tasks like claims questions, demographic changes. So thank you again for your long-standing partnership and this opportunity to show you why Humana's DHMO and PCO are the best fit for your employees. And now on to you, Kim. Thank you. Good afternoon. My name is Kim. I have been with Humana for over 18 years and I will continue to serve as the Broward County Client Executive. I look forward to continuing to work with you. And I'm here today to talk about our service model. So what I really love about Humana and what your members have enjoyed is our member first experience. We are encouraged every day to look at our work through the customer lens and meeting members where they are and providing excellent customer service. It is part of our culture. Your employees have multiple access points to reach us how, when, and where they prefer. They can call and speak directly to a customer service representative. They can self-serve through the IVR system. They can self-serve through my Humana personal website where they can view their dental and vision benefits. And they can also access my Humana, our mobile app. Now, let's look at the different types of information your employees can access on the My Humana portal. When you are new with Humana, your members will have access to all their dental and vision benefits in one spot on My Humana. When logging into My Humana, members can view a customized video that explains their plan benefits. Your employees can also access their personal benefit details and plan documents. And a popular function that I like is the ability to view a copy of your ID card and save it to your phone's wallet using the mobile app. They can also check on claim status, easily find network providers, and access the Humana exclusive discounts that Laura was speaking about. They can even chat with a customer service representative. And as you know, for the DHMO plan, your co-pays are set. But for the PPO, we have a cost estimator tool to help members know and estimate their costs before they go to the desk. This is very helpful also during open enrollment when you're trying to set aside FSA dollars. All of these resources your members have available today and are important to maintain because they save your employees and the benefits team time by giving your employees the power to find information on their own and creating more satisfaction and decreasing increase into your benefits team. With Humana, your members will have no transition of care for the DHMO. And for members transitioning from another carrier for the PPO plan, we make it easy and effortless. For dental treatment in progress, the prior carrier is typically responsible for work in progress. And if the treatment was initiated before Humana, they began coverage with Humana. If there's a discrepancy, though, with how the prior carrier administers treatment in progress, then Humana will help cover the cost. For your members with prior orthodontia coverage and inactive treatment that have not experienced a lapse in coverage, Humana deducts the amount the prior carrier covered from the orthodontic benefit. And then we prorate the remaining charges over the remaining treatment period and systematically issue payments, which are applied towards the lifetime orthodontic max. Transition of care is easy with Humana and you always have the support of your designated support team to assist, which with Humana, your designated support team will continue to consist of two primary contacts. Your single point of contact, Jenny Anderson, will continue to work with you on your renewal, plan and implementation, transition of care, billing, enrollment, essentially all things service related. She's been with Humana for 20 years. And for those of you that work with her, you know that she's knowledgeable, responsive and easy to work with. I will continue to work with you as your partner in developing engagement strategies, such as developing OE materials, helping you understand your employees utilization and benefits through our regular reporting meetings. And overall, I'll be your quarterback and strategic partner in your account. Jenny and I are here to help you find answers and free up your time to do more important things. When you decide to renew with Humana, Jenny and I will provide you with, guide you through the process as your existing Humana plan will easily be able to renew the DHMO and add the PPO plan to your existing setup. After we're awarded the contract, we'll meet with you to ensure everything is set up to meet your needs. We will help remove administrative burdens by partnering with you to develop custom communications. And one of my favorites, attend your open enrollment meetings, and help provide employees with personal level of support and give them the resources they need. Once OE meetings are complete and the files are loaded, we'll issue ID cards to your employees prior to the effective date. Then, of course, Jenny and I will continue to be available throughout the life of your contract for ongoing meetings, including reporting and utilization. So, with Humana, you'll have the support of our fabulous marketing team to assist in creating custom member communication material and education, which can be translated into several languages. This includes a combination of pre- and post-enrollment member engagement through emails, postcards, enrollment guides that educate members on the features and benefits of their plan options. You'll be familiar, you may be familiar with some of the new materials we created this year, such as your custom overview videos for both dental and vision plans. We also updated your custom browser and online website. Thank you. That's your time. Humana, thank you for your presentation. Thank you. Committee members, are there any questions for Humana? I do have a clarification. Your name and then your clarification. Yes, Alan Wilson, on the DPPO plan, you list under periodontics and endodontics as basic. I'm trying to maintain consistency with the terminology, but is that a type 1, type 2, or type 3 level of service? For basic services, that's in the second level. So preventive is usually some call it tier 1 or type 1, and basic would be type 2 and major type 3. Okay, great. Thank you. You're welcome. Serena, project manager, any questions for you, madam? Good afternoon, Esther Mitchell. Thank you very much for your presentations. And actually, I'd like to elaborate on something that you mentioned and also something that I read in your proposal, that clinics come to you. So that sounds pretty appealing. But would you please elaborate on how the program will work? Would you require, is there like a van that comes out? Would you require a room to be provided for you? Could you just elaborate on how that would work, please? So our dental services, which we partner with a company called Jet Dental to provide. And typically, we look for space in the office that it's not a mobile unit. So they actually bring all the equipment in a van, and they set it up in a room that you've designated. And they set up the dividers and partitions between each patient, so that way there's privacy available, and it is available for both plans, both the DHMO and the PPO. Thank you for that. And you also mentioned that, I think it was within the same conversation, that employees would not have to change their primary care dental office if they are visiting with Jet Dental. Is that correct? Correct. And I will say what we typically see at those events are people that haven't been to the dentist in probably an average of two years. So we're really getting those people that haven't been to the dentist and maybe don't even have a primary care dentist assigned. And so it eliminates those barriers of, you know, I've got to set an appointment. I've got to take off time from work. I've got to drive there. And so it really brings that convenience factor and helps reduce time out of the office. Okay. Kim, thank you. I know you've been with so many of them with our clients. I'm always impressed because they can do oral x-rays, preventive cleaning. But they can actually do cavity fillings and scaling and root planning for our members. And that's on the DHMO and the DPPO. So it's not just preventive. They can actually do restorative as well if they need to. Okay. And thank you for that. Is Humana requiring participants to have a primary care dental office assigned in the DHMO? On the DHMO, yes. They don't have to get referrals to the specialists, but we do ask members to select a primary care dentist on the DHMO. And how often can employees change this PCP? So for the primary care dentist, we usually ask them to make a selection per month. Or, you know, if you're happy with yours, you don't have to change it, of course. But we provide the dentist with rosters of who is selected as their primary care dentist. There are situations where, you know, we can work with a dentist to get them changed before that list is printed for the next month. So typically it's monthly, but there are situations where we, you know, communicate with the dentist and we work with them to get them updated quicker than that. Okay. And is there a specific date, not date, but day that an employee would have to make a change in the prior month for the following month for them to change the PC, the primary? Yes. Yes, the 15th. The 15th of the month. And how would they be making the change? They could reach out to Humana. They could call, call a customer service number on the back of their ID card. Is that the only way that they can change it? So our member is able to log into their employee portal, search for one, and change it themselves. So they must call. Yes, sir. The charge is to call. We are in the process of creating that capability on MyHumana in their portal to go in and update their primary care dentist on their own in the portal. So that is a feature that will be added to our MyHumana website. Okay. Thank you for that. In regards to the oral screenings, I did see in your presentation that you do provide the oral screenings for cancer, I believe. However, in your proposal, it states that it will start at 40 years old. However, in the scope of services, we ask for that to start at 18 years old. So is that still your position or could that be changed to the 18 years that we requested? Interesting. I think we can make that change. So I'll speak with Phil or Jennifer. I'm not sure if you want to speak to that. Yeah, that should not be a mission. We'll correct it after that. Okay. The reality is when a member goes into the office, I mean, the doctor can check for, you know, all those things in addition to, you know, the typical, and so typically they're already checking in as the member or the employee goes into the jail. Okay. In regards to, I think I heard you say that Humana would cover orthodontia and the member could request or, not request, but actually opt out for Invisalign. Is that for both the DHMO and the PPO? So if someone would rather use Invisalign rather than traditional braces, they can do that. That's for either plan for the DHMO or the PPO. And then how would the payment work? So the payment would be the same. They would just pay the difference in that cost on the HMO and the PPO as well. If it's more, you know, the PPO, you have an annual, or sorry, a lifetime max. So, you know, we covered up to that lifetime max. Understood. In regards to the plan design, it says that the proposal is contingent on Humana being the only dental plan offered. Does that mean that the rates and plan designs would change if Humana was not awarded both the DPO and the DHMO? No. Sorry. Go ahead, Kim. No. Go ahead. Go ahead, Laura. No. The rates would hold. The only reason that stipulation would be in there if Humana was offered as a PPO alongside another PPO. All right. Okay. Thank you for that clarification. In the same document, it says that the dependent age limitations are based on unsighted state requirements unless otherwise noted. So I just wanted to call out to your attention that Broward County currently offers overage dependent coverage through age 30. And for two different reasons. One is if the child is financially dependent on their parent or if the child is a student. Just wanted to let you guys know, I'm sure everybody knows that kids can go out to college outside of Florida. So does that mean that they will still be covered or they will not? Yes. They will be covered. Okay. Perfect. And I'm sorry, but I probably, I heard you say something about the extended annual max. Do you mind going into further details as to how that works? I don't think I follow when you say that there is an additional 30%. Could you elaborate on how that works, please, for the DPPO? Yes, absolutely. So many, many carriers offer like a rollover type plan. It's something that a member might have to earn credits to roll over. Humana's solution is unique to the market. It gives you access to a 30% benefit after you hit your annual max. So if your annual max is $2,000 and you hit that in February, you'll never have to go without coverage. You'll immediately get that 30% benefit and it extends it throughout the life of the plan. That's for each member and dependent that's on the plan. So it's very simple and it helps to really keep the member costs down and helps for them to not avoid seeking treatment or delaying treatment. Yeah, this is one of the reasons why I said at the beginning of the presentation that, you know, we put this down on the benefits that are completely innovative and flexible and different. And the reason behind that is because we want to maximize the employees out of dollars. Right? What they pay in the premium, let's just say that all the person's compensation, you know, might be a $10 difference in a long phase, right? Well, imagine if you go into the dental office and you've run out of benefits, right, with the current carrier, and you don't have any benefits. How much is that going to cost? $10,000 a month will now make up for a crown or something like that. That's why we initiate this. So we can save our employees out of pocket as best we can and maximize their dollars. So they continue to get the negotiated discount when they have that 30%. So then you've met it and then you've capped out for the year. They're not obligated to give you their discount. So with our plan, they would continue to get a discount even if they've met their max for the year, for their individual max, then they still have that 30% plus the discount, which Jennifer quoted at like 45% on average. So they're getting 45% plus the 30% on top of that. Significant savings. Okay. I don't have any further questions. And Linda, members, any follow-up questions for Humano? Yes. Oh, I'm sorry. One more question. Alan Wilson. With the JET mobile service, is there a limit per year that would be allowed to to an organization? You mean a limit the number of jobs you can have? A business. Yeah. They do have a minimum number of appointments that they require, but you can have them out as long as you have people to fill the appointments. You know, they don't have them out and have energy chairs, of course. Understood. So as long as you have locations that have the space for them to set up and you have people that, you know, will come and make an appointment and come out and use their services. They'll come out to multiple locations throughout the year. Yeah. I would say, you know, usually people get two cleanings and you have three cleanings a year. So I wouldn't keep going to the same location unless you had a really large group at that location. But I would say I wouldn't come out more than three times because you have three cleanings. You know, those don't have the medical qualifiers on them. So they can get their three cleanings, you know, throughout the year. So that would be my recommendation is that I wouldn't recommend you go out to one location more than three times, just because then you're going to hit that bigger number of cleanings. So that's my recommendation. But they'll keep coming out as long as you have seats filled. And then, of course, if you have other people, maybe it's a different group of people coming out. So we can definitely do more, do as many as you want. Yeah. And Kim, I know some of our clients even allow, you know, spouses or, you know, if it's a health fair, they do come and enjoy the benefits of having those dentists on site. That's true. All right. Great. Thank you. Sure. Thank you all. Thank you for your time. Please continue to monitor your emails for when to rejoin the meeting. We appreciate your time today. Thank you all. Thank you. Thank you. Thank you. The second presenter, Humana Insurance Company, has now completed their presentation and answered all questions. Please invite the third presenter, Standard Insurance Company. Afternoon again. Standard. Are we waiting for any other member of your team? Yes, we are still waiting for some. Okay. While we're waiting, the attendees can be viewed on the team's participation panel. Also displayed is the list of county staff who are in attendance. I'm going to ask that you review it to ensure that only your team and the county staff are in attendance. First, while they're reviewing, do you need to take a quick break? Once the other parties from your team has joined, you can please affirm that there are no other individuals in the meeting other than your team and county staff. It's good for your team. Hold on. Let me text Jackie. I don't see Jackie yet. While you're doing that, who are we making? Who are we giving presentation rights to? It will be Jackie. That's why. Oh. There she is. Oh, she's on now. Okay. Hi. Thanks, Reverend. Good afternoon. Jackie, can you just double check our attendees and make sure we have everybody inspected? I already went through the county's 14 people and we went up there. Jackie, please. Jackie, you should have ability to share your screen. Okay. Can everybody see that okay? Yes, we can. Great. You're ready. We're ready. Go ahead and get started. Ready. Let me start your timer. Purchasing, please start the 20-minute timer. Go ahead. You may start. Thank you. Good afternoon, everyone. Good to see you all again. My name is Jackie Acetta. I'm your employee benefits consultant with the standard. Thank you so much for your time today and to once again have the opportunity to be with you all. And today we are going to be discussing your dental benefits. You all provided a detailed agenda, so thank you for that. We're going to give you an introduction, share a review about the standard, a little bit about plan design or the EPO and the DHL as well as the network and some of the value added highlights. We're also going to walk through what that customer service will look like from the member level as well as from HR's perspective and then what that implementation process of the dental benefits will look like as well as your day-to-day account management support. All in all today, as I mentioned, my name is Jackie Acetta, employee benefits consultant with the standard. Lucky enough to work with you all and the standard for over 10 years now. Also born and raised here in Florida Brown Academy, so very familiar with the area. You'll also be hearing from Allison Brogan, who is your dedicated account manager. She's also been working with you all for over 10 years and she'll be your main point of contact. You all will see a couple new faces on the screen and some of them will have more of an active role throughout the presentation. Standard & Solstice have a strategic marketing alliance providing dental PPO benefits and DHMO benefits to clients across Florida and the US. We have a strong DHMO partnership with Solstice for multiple years now and are offering the best DHMO in the marketplace alongside our established PPO. We've had the privilege to work with you all at the county for your dental PPO benefits in the past and look forward to providing a viable DHMO solution for you all today. We have been working with Solstice. The standard has partnered with you all for many years now for over 30 years on your current Cancellor insurance benefits. So we are very lucky to work with you all for that number of years. We have your new supplemental benefits that we're implementing for January 1st as well as the existing life and disability benefits. So very familiar with you all as well as public sector clients. We're very proud to have an average of 10 years for an average client tenure which is honestly pretty unheard of in a very competitive market that we're seeing here today. But the great news is that we know you all at the county. We know your employees and we're very excited to have the opportunity to expand our current relationship with the county. As I mentioned, a lot of experience in public sector. I just wanted to give you an idea of some of the other municipalities that we work with. So some other BOCC clients like yourself, Palm Beach County, just north of you, Oakland Park, just right in your backyard, as well as many other different types of municipalities, you know, school districts, sheriff's offices, cities, towns, you name it, we love it up. I'm going to pass it over to Shanda, who is going to talk through the PPO plan design. Thank you, Jackie. Good afternoon. I'm Shanda Monaghan, and I am the dental practice leader for the Florida market. Our intent with the PPO plan design that was to host Ms. Tamir Broward County's enforced benefits as closely as possible. There are no benefit waiting periods. The new insurance levels will remain the same, and we'll be able to take over any of those carryover rewards that the employees have worked so hard to accumulate under the current plan. We have, however, included one important enhancement to the plan design. That is a change to the allowance for out-of-network providers. The current PPO plan has what is referred to as a MAC allowance out-of-network. This means that out-of-network providers will be reimbursed at the discounted level that network providers have agreed to, but they're still able to charge their normal fees, so members will be responsible for the difference if they go out-of-network. For the standard plan, the out-of-network allowance is UNC, usual and customary, 90th. This means that charges for 9 out of 10 providers in the area will fall under that level, so members will have less out-of-pocket. To put this into a real-life example, in the 333 zip code, the average cost for porcelain crown is around $1,300. The fee that network providers have agreed to charge for that procedure is around $680. If a member goes to an out-of-network provider, they would be responsible for the difference between what the provider charges and what is allowed. That means almost $600 out-of-pocket before co-insurance or deductibles are even applied. With the standards plan, our UNC 90th allowance for that procedure is around $1,500. So the average cost for that procedure in the area of $1,300 is well allowed at level. There wouldn't be any balance billing, and the member would just be responsible for their co-insurance and deductible. We do have the largest networks in Florida and in Robert County, so members will have plenty of opportunities to find and visit network providers. But if for any reason they're unable to do so, this plan provision gives extra protection from large out-of-pocket expenses. To further build on that, we've included a few statistics here regarding our PPO network. Our contracted discounts are among the best in the industry, and our large network will not only minimize disruption for the employees, but offer additional in-network choices. Again, this means lower out-of-pocket costs for members and more stable pricing for the county over time. Another way that we can help to stabilize pricing over the long term is with another feature that is included in our PPO proposal. This feature is called an Experience Rating Refund Agreement. What does that mean? Simply stated, it's our assurance to you that we have accurately priced your plan. If the plan experience is better than expected, it allows Broward County to participate in the good experience by refunding a portion of the finance that can be used to futuristically offset renewal increases or to improve benefits. Our proposal also includes a two-year rate guarantee, and we know that there are costs involved with changing carriers, so it also includes assistance for the plan implementation. Steve, would you like to talk through the DHML plan design for us? Sure thing. Thank you, Shonda. Good afternoon, everybody. I'm Steve Doughton, and I manage our Marketing Alliance business here. I'm going to touch on the DHML plan highlights, a little bit about network access, customer service, including some claim and call metrics, and then hand it off to Allison, who's going to talk a little bit about implementation. So really, two things I want to get across when we talk about our DHML plan. It's a unique model. It's unlike other models in the market in that we don't require primary selection at enrollment. That means there's no patient rosters. That's a pain point for employees. When they try to go to the dentist, they haven't made the roster that month. Our model does not require rosters because we don't require any primary care dentists. You can access any dentist that you choose within the network. The other big portion of that is no closed panel providers. So members can access care without appointment restrictions or new patient limitations. We've all seen directories with other competitors that have no new patients accepted. We don't allow our providers to close off to new patients, which is a big selling point. The main point I want to get across with this plan is it's the S500B plan, but the access plus piece is very important because most DHMOs are in-network only, meaning you have to access one of the in-network providers in order to receive benefits. We've got a component on this plan that allows members to seek care outside the network on 43 preventive diagnostic procedures. That includes x-rays, exams, cleanings, and some fillings. So members aren't going to be locked into the network. If they choose to go to an out-of-network doc for 43 of us, again, preventive diagnostic procedures, they've got benefits that will be paid, which is a very unique feature and something that we've made only available to our partner business with the standard. The other piece is additional cleaning was included. That was one of the non-negotiable items we decided to switch up and agree to. So instead of two, we've got three cleanings a year at no charge. And then in keeping with the standard DHMO, no deductible, no minimum maximum. And we are offering orthodontic coverage for children and adults. The fourth point here, 206 more co-pays are covered. That's important because on your current plan, procedures that are not listed are done at a discount. And the more procedure codes that are covered, the less out-of-pocket exposure your members are going to have. So we're covering about 206 more co-pays than your current plan, again, which protects members and gives them some ease in terms of out-of-pocket expense. Pediatric dentistry on our plan is covered up to age 16, and we're covering all facets of implants. There's no maximum and there's no co-insurance there. That's what obviously is an important part of any network plan. Access to two deaths within five miles on the DHMO is at 98.3% of your employees. For the PPO, it's at 100%. And then access to specialists, that metric went from two specialists in 10 miles, and that's 98.5 on the DHMO and 99 on the PPO. We are South Florida-based, so we have recruitment teams here that are constantly looking to improve the network, expand the network, do targeted provider outreach if your members have specific providers they want to recruit to try and get in the network. And then looking at travel time, PPO General Dentists, the average distance is 0.7 miles, the average drive time 1.2 minutes. On the DHMO, that's 1.9 miles, and average drive time is under five minutes. A little bit about customer service. The team will help guide your employees looking to find providers, help them understand the claims process. They can help verify plan benefits, provide predetermination of care, which means before you have a procedure done, you send a predetermination of benefits that will get processed almost like a claim, and members will know to them what their responsibility is when they visit the dentist. So a huge part of being a responsible consumer, knowing what you're going to pay, what your portion is out of pocket before you go in and have a procedure done. They can help you reach treatment plans to maximize your benefits savings, and then obviously answer any questions about either of the two plans. We're language friendly. We have a language line through AT&T, which supports 200 plus languages. We've got services for hearing impaired enrollees as well. And then our customer service hours is 8 a.m. to 8 p.m. Eastern time. The other piece is your client call metrics. When you call, you want to make sure your call is answered appropriately. If you have a claim submitted, you want to make sure it's processed A efficiently and B accurately. So you can see here the claim's turnaround time for the PBO, the claim's accuracy numbers, the calls answered in very seconds or less numbers for the PBO, as well as those same metrics for the DHMO. With that, I'll hand it off to Allison who's going to talk a little bit about the implementation process. Great. Thanks so much, Steve. Hi, good afternoon, everybody. I'm Allison Brogan. I know we've talked multiple times this year. We've been in the process of finalist meetings here. And I look forward to talking to you guys today about the dental. I've had the privilege of working with Amy on their long-term disability and life coverage for over a decade, as Jackie mentioned. And we're thrilled to be adding the accident, hospital indemnity and critical plans as of January of this coming year. So now we look forward to reintroducing the dental coverage with this standard, given that your employees are already familiar with our services and our high-level touch that we provide for them currently. We look to hopefully add that dental as well. Also, having worked with this standard for almost 20 years, I've encountered numerous situations that allow you to most strong relationships within our office. And that experience allows me to address and resolve any situation that may arise swiftly. Others there in the room with you can help attest to that. So it's great to have them there with you. And I will continue to be that primary point of contact, as Jackie mentioned, if we're fortunate enough to earn your business on the dental. Your HR team can continue to rely on my support from the implementation phase to the go-live and beyond. So rest assured you're not going to be getting rid of me anytime soon. So with that, again, I look forward to working with our team. We will develop an implementation plan that will be tailored specifically to the county's needs, which will include a team of experts from the standard working alongside us and behind the scenes. So like our Steve, Shanda that you've already heard from, and Jackie, they all are a part of that team that you will get to work with. I will continue to, again, the primary point of contact, but I will work closely with monitoring the entire process to ensure we stay on track, and I will fully prepare for that go-live stage. Next slide please, Jackie. All right. As you can see here's kind of a busy slide, but just to kind of summarize it, the HR team will have access to an employer portal for the benefit administration. That portal will enable them to manage the day-to-day administration of the dental benefits efficiently. That will allow them to get an invoice, pay an invoice online, retrieve policy documents, and even order ID cards for their members. So, again, we look forward to earning your business, and we thank you for your ongoing support and trust. Jackie, back to you. Thank you, Allison. So, employees of our calendar are already familiar with the standard to open enrollment process, as we are going through that now, as Allison mentioned, on the supplemental benefits. So, really when it comes to enrollment and communication capabilities, we're here for you in whatever that you need. So, you know, we're happy to introduce the standard as your new dental provider, whether that be a home mailer or setting up, you know, call center support, you know, letting them know that they're going to be getting new ID cards, as well as, you know, a lot of the enhancements that we're offering on the PPO and the VHMO, especially with those out-of-network benefits. The call center, as you guys are experiencing now, we can do the same thing for the dental benefits, and happy to answer any questions that they have, you know, not just on the dental, but also, you know, all of your ancillary insurance benefits with the standard. But, you know, we understand we're kind of in a unique situation here with one enrollment already being completed, so, you know, maybe there would be kind of like a one-off dental open enrollment, which is very exciting to me because, you know, medical always gives all the attention, so it would be pretty nice to have, you know, all the attention on, you know, your dental insurance if we kind of did a one-off open enrollment. But we can also, you know, help with that connectivity to your program and admin platform with PeopleSoft. You'll need, you know, just one dental fee, so that'll be a little bit different than what you have today, so definitely simplifying that process for your HR team. We're happy to, you know, get all the information on your current microsite, any text, email, home mailers, as well as doing any live or recorded webinars. If y'all wanted to do some in-person meetings, we're happy to help with that as well. But really here to do all the heavy lifting for you. Make sure you're comfortable with what, you know, employees are going to be educated on and information that they have available to them to make the right benefit decisions. So here is really what makes us a great fit to continue to expand our partnership. You know us, you know Allison, as you've heard from, your main point of contact with The Standard. You're already familiar with our level of service. Here at The Standard, our motto is to do the right thing, and we believe that we have demonstrated that to you all over the years. From a billing perspective, you all are familiar with that easy self-bill implementation, as we're going through that right now, all the different experts that we bring to the table to make sure everything is set up accurately in the way that you intend, as well as all the different options around enrollment support that we just spoke about. But we're here to demonstrate a member focus, and we've proven that with some of the plans and the stuff you've spoken about. Also with that local dedicated support, as I mentioned, right here down the street from you all, your DHMO benefits are those plans that are going to be paid, you know, possibly in your backyard. Also offering that larger network than you have currently today for both the PPO and the DHMO. You all know that you have about, you know, 50% of your employee population enrolled in that DHMO product. So with us offering those power network benefits, that will be a huge marketplace to help save our pocket costs. And then also on the PPO plan design offering that 90th UNC that Shanda spoke about, will also help save employees in out-of-pocket costs when they go to out-of-network providers. And these days $80 we can save will be helpful. But the standard is a trusted partner that has been working together with the county for over 30 years, and we really would be honored to come back once again as your dental carrier provider offering bigger networks, stronger products, unique PPO and DHL solutions. And we will continue to give you the same level of service for the team that knows you best. And with that, thank you so much for your time, and we're happy to answer any questions that you have for us. Thank you. Just under the wire. Thank you so much. Let me speed up a day. All right. Committee members, are there any questions for the standard? Jessica Wright. Thank you. I do have a question. So you made mention of the plan codes, 206 more than our current plan provider. Obviously, you're not going to be able to tell us what those codes are, or all of them, but are you able to specify at least the top three that may be significant? Because you made mention of that, but didn't give any examples of what those codes are, or maybe top three or five. Ian, off the top of my head, I have to do some research, but we can run a plan comparison of our proposed plan versus your current plan that will show you the specific benefits that are covered under our plan that might not be covered under the current plan, and that's something that we can add back to you within a day or so. Okay. Thank you. Yes, my name is Ruth Miles. I had a question. Do you have an app, like I didn't see anything on any of the slides or anything, you know, that members would use? I mean, that employees would use? Everything is mobile friendly, so employees won't have to download an additional app or have another username or password, but they can access everything from their phones. Thank you. So, Alan Wilson, question on the periodontics and endodontics. You're offering in your plan type three services. Any reason why you chose type three as opposed to type two? And I'll put it in context. My understanding is with a type three, usually that's a higher out of pocket for the employee. I know our intent was to match the current plan, so that's . It absolutely was. Our intent was to match your current benefits as closely as possible. And I'm looking at the final proposal, I believe, and I'm seeing endodontics and periodontics in type two. Is there something specific? Where did you see that that I might be missing? I'm looking at the plan design response matrix. It says type three services. I feel like maybe that was just an oversight with completing the plan matrix. The final proposal is showing that endodontics and periodontics are covered as a type two procedure. Procedontics would be covered in type three, so that would be crowns and dentures, et cetera. But again, our intent was to match the current benefits as closely as possible. So if that's where they are currently, that's how we would administer it. Okay. Thank you for the clarification. Absolutely. Hi. Good afternoon. My name is Esther Mitchell. I think it was perhaps just an oversight because in the proposal it says type two procedures, endodontics, periodontics, anesthesia, complex extraction, so. Okay. So it's maybe a typo. Okay. Okay. Thank you for confirming that. Thank you. Thank you. Thank you. Members, any other questions? No. Project manager, any questions? Good afternoon, Esther Mitchell. So in reviewing, thank you very much for your presentation, by the way. In reviewing your proposal, I couldn't help but notice that there are a couple of caveats, and one of them that you are requesting that the participation, the requirements are 30%. Is that still your position? The total assumption that is shown for participation is based on the current enrollment. So as long as the power enrollment is close to that assumption, then we're going to be justified. Okay. The only reason why I'm asking is because in the scope of services, both for the DHMO and the DPBO, we clearly stated that the county will not guarantee a minimum number of participants in any of the plans offered. So I'll ask you again, based on that from the scope, is that still your stance? How would you like to respond? The way that we're filed before, we need just 10 employees. So as long as we have 10, I think that we're okay with that. So I don't know if anybody else in leadership wants to agree to waive the participation. I think we have about 6,000 employees, and like 1,500 currently enrolled, so maybe that's not an issue. Moving on. So in another part of your proposal, you also state that the rates will hold only if Solstice, which is the, I guess it's the network provider, is the sole provider. Is that still your stance or how would it play out if the standard was awarded one but not the other? Carlos, would you like to take that question? Sure. Carlos, we understand that sometimes the county may make different types of decisions, and we are good if we need to segregate those. Obviously, we would love to have you as a complete package to better serve you overall for all your dental needs. But we understand that sometimes there are some slicing that happens. So if I would understand that correctly, it wouldn't matter. The rates would hold and the plan designs would hold. Yes. Thank you so much for the clarification. I also read in your rates assumptions and caveats, it says, rates do not include the cost of loading prior carrier history. Would you please elaborate on what you mean by that? Thank you. Thank you. Thank you. I'm not sure if that was specifically regarding the PPO or the DHMO. We absolutely would load any history that would be relevant for work in progress or anything like that. So there would be any initial charges? Correct. I would agree. So I would like to add, Steve, Carlos, in your left ad regarding the DHMO piece. Yeah, that would not be applicable to our plan. So that would really specifically be applicable to the PDO plan. And just as an aside, a lot of the proposal language that are in the proposals is spoiler plate. Language that's always in there. But, you know, typically you would load that with no problem at all, particularly for work in progress. So there would be any initial charges? Correct. There would not be. And in your proposal, you clearly state that you guys will allow for cleaning, an extra cleaning for a pregnant participant. In our scope of services for both the DPPO and the DHMOs, we specifically ask for a deep cleaning. Was that your intent for when it says that you guys will allow for the additional cleaning? That is correct. On the PPO specifically, I'll let Steve speak to the DHMO piece. The maternity benefit does allow for a deep cleaning and any periodontal type maintenance that would be associated with that pregnancy. Yes. And that would be the same for the DHMO as well. Perfect. Thank you. I also read that benefits could be available for all full-time active employees working at least 30 hours per week. Independents who have completed the designated waiting period. I just wanted to call to your attention that we have benefits that are extended to employees who work part-time at least 20 hours per week. I just wanted to call that to your attention and ensure that the benefits will be extended to those PT-20s. Yes. On the PPO plan, the eligibility requirements will be defined by the county. So if you currently have part-time employees that are eligible, and I know you have retirees eligible as well, we would administer the plan to match your definition. Yeah. Yeah. And same for DHMO. We rely on your eligibility definition and that's what we put in our system in order to keep that record. Wonderful. And last but not least. So you tell us what you want it to be and that's how we handle it. Wonderful. Thank you. And last but not least, it also states that dependent children are covered up to age 30 regardless of student status in the site of state of Florida. So I just want to call to your attention that, of course, you're saying that you would extend the benefits to those age, up to age 30. However, as we all know, children could go off to college in another state. So will the benefits still be extended to those out-of-state college students, age 30, up to age 30, excuse me? Yeah, they will be. The dependent definition will be defined by the site of state regardless of where those dependents or employees reside. So everything will be based on the rules and laws in the state of Florida, which as you read, is to age 30. So yeah. I kind of lied. I said last but not least, but I just noticed that I highlighted something else. So would you please further explain on the max builder that you have on explaining the proposal? Yeah. Jackie? I'm sorry. I just keep talking. Oh, no. It's fine. Esther, I just wanted to clarify, like, the amounts that will roll over or what is this? Just to clarify your question. Go ahead. So it says that this dental plan includes a valuable feature that allows qualifying plan participants to carry over part of their unused annual max. So can you further explain on what that means? And how much extra, I guess, for the following year or is it for the current year? Just explain how the max builder works. Absolutely. And I believe that it works similar to the way your carryover benefit on your PPO plan is already. So as long as a member goes to the dentist at least once during the year and they have less than $500 in claims that are paid out during the year, they can earn an additional reward or a carryover that they can continue to bank in case they need it at a future date. So each year, an editor can earn up to $350 in reward benefits. The base amount is $250, but if they have at least one PPO claim, then they have an additional PPO bonus. So that's the $350. And those members can continue to accumulate those reward dollars up to an additional $1,000. So they'll always have their annual maximum, but we all know that things happen, right? You crack a tooth and you need some additional maximum dollars for whatever reason. So these rewards would be there for those times when the plan benefits are enough to cover a letter or anything. Does that help? Yes, it certainly does. Thank you. We can also take over the current rollover amounts too, so nobody would be losing out, so to speak. We would take all those over and just, you know, welcome the private provider to get a list of all those members. Okay. Okay. And somewhere along your proposal, it says that members will be able to choose Invisalign in place of traditional orthodontic treatment. Is that, and then pay the, I guess the difference, is that for both the DPPO and the DHMO for children and adults in both plans? ...work under the PPO plan, as long as there is a treating physician, treating orthodontist, the type of appliance is really irrelevant, whether it's traditional, you know, metal braces, whether there is the Invisalign. I'm looking at the proposal, though. It does look like we only have coverage for children for orthodontia. It does not look like we have coverage for adults on the PPO plan. If that was an oversight based on the current benefits, we can absolutely revisit that. No, it's, yeah, it's just adults and the PPO for now. But we can pretend it doesn't exist, and you guys can offer it. Yeah. And Steve, how would that work on the DHMO side with the Invisalign? It would work the same way as the PPO. Okay. Thank you very much. And that would be the conclusion for my questions. Thank you. One more clarification? Yep. Well, state your name and then your question. Yes. Thank you. Just a clarification on one part of the DHMO under Crown Single Restorations only. You know, you've indicated that you've gone through a great effort to match the current plan. However, under Crowns and all the different listings, you have the original cost at $240, but then there's a lab fee and a material fee, which is really more than what's on the current plan. Is that something that you're, I guess, is that you're holding to that? Yeah. Carlos, do you want to take this one? Sure. That is the details behind it is the material is up to that amount. We know that there's different variations of it. There's doctors who do a lot of work in their own offices. So those lab materials would vary, which is why we have to have that amount in there depending on what laboratory they may use or not. So that's the maximum amount that they could charge. And we put that maximum, again, to support the member to protect them. But not all doctors charge that total amount. Okay. But again, my point is that that doesn't match the current plan. On the DHMO, it may not. Okay. Again, we're trying to get something that you have a bigger package there from a code perspective. You have almost a 40% increase in the amount of coverage that you have of different codes. So we could match each one of those codes one to one. In order to do that, it would just make it a little bit more difficult. We've been struggling with that in the past to be able to match each and every single code accordingly. But we look at the entire hacking from an underwriting perspective and also look at the services that the members are getting. Understood. Thank you. Any other questions? Any other questions? Hearing none, Standard, thank you for your time today. Please continue to monitor your emails for when to rejoin us. We'll see you guys later. Thank you. Thank you. Thank you. The third presenter, Standard Insurance Company, has now completed their presentation and answered all questions. As the team is leaving, purchasing, please invite the fourth and final presenter, United Healthcare Insurance Company, to join for their presentation. Good afternoon. Good afternoon. Good afternoon. How are you? Good afternoon. Are you waiting for anyone else from your team? Absolutely. Yes. Let's see. Who's here? Just a couple more people. Okay. That's fine. While we wait, attendance can be viewed on the team's participant panel. Also on your screen is a list of county staff or in attendance. Momentarily, I'll ask you to confirm that there are no other individuals other than the county team and your team in the room. We have Denise Famous is in the waiting room. Yep. If you could let her in, that'd be great. Hello. We're still waiting for Denise. Are you able to let her in? Not seeing her in the waiting room. She's saying she's waiting to be let in. So you're not seeing her there? No, we're not. While we wait for her, who will we give presentation rights to or ability to? James Moore, please. We're still not seeing Denise. I'm sending her the link again. Yeah, if she could go out and come back in, maybe. Yeah, she had the problem this morning, too. Any luck? She's in. She's in. She's in. Yeah. Trying, I think. Yeah. If someone can share an invite with her email through Teams. Can you share her email with us or maybe you guys could try to share it with her? We're not, we're still not, there you go. We're still not seeing her. This meeting link is in the chat. Oh, cool. Try that. Thank you. For the record, please affirm that there are no other individuals in the meeting other than your team and county staff. I can confirm my team is here and it looks like everyone else is county staff, so yes. And I see you're sharing. Ready when you guys are? Let me know. Okay. Let's go. Ready. You may begin. Good afternoon. Good afternoon. My name is Brian Palmer and I'm the Florida Health Plan CEO for United Healthcare. I recently moved into a position, I recently moved into this position after being the CEO for the Georgia Alabama Health Plan. But my roots are here in South Florida and I'm excited to be back here in Florida. My new office is going to be in the United Healthcare Solstice office, which is just down the road in plant, you know, in plantation. And that's where your UAC account management team office is as well. And Broward County government has been a long-term valued client for UAC. And I am honored to be here with my team to present the Delta Dental agenda. And for each of our presenters, they're going to introduce themselves as we move along. But I would like to take a moment and have our senior underwriter introduce herself. And I've had the privilege of working on your dental PPO for current contracts as well as the one-year extension for 2025 and the six-month extension into 2026. And I have the authority to bind UHC for our dental proposal. Good afternoon. My name is Brian Garrison. I'm the Vice President of Sales and Account Management in the South Florida Health Plan for our large business segment, Public Sector Labor Trust. I've been with the organization for 22 years. And as Brian mentioned, I too sit in the office there in Plantation. So very local and right down the street. As you can see on this slide, UHC has a vast experience and delivered positive results in managing public sector dental programs with the county's dental PPO being a prime example. A couple things to update about this slide that I think are already outdated is that we have our 2026 numbers, we are serving over 25 million members now with our unique PPO provider count being just over 123,000 and an average network discount being 41.4%. So dental members served and unique PPO providers has increased. This demonstrates our key differentiators of being member-focused with an integrated care model approach drives better overall health with greater dental care savings. I think one of the things that in evaluating this proposal that we bring to the table that will be unique is that we have a team in place that already knows your members personally from our existing relationship with the medical and the dental PPO that we have in place. I'm Jim Moore, the Senior Strategic Account Manager who has been working with Broward County members and staff since 2016. Our proposal contains a dental HMO option that is similar to your current plan and a dental PPO option that exactly matches your current plan. Both options include three preventive cleanings per year as requested. While the only other item on the page that stands out as being different is the box at the bottom denoting consumer max multiplier included, we'll soon demonstrate through our presentation how our plan design, value-added programs, and account management support are the best overall choice for the county. Hi, my name is Lee Hopper and I am the Vital Market Solutions Leader for the East Region. I've been with UnitedHealthcare for 22 years now and I am based in Orlando, Florida. As you can see on this slide, as Brian mentioned earlier, the numbers are a little bit outdated. We are sitting at over 123,000 providers and generating an average discount of 41.4%. But we also like to remind or include the fact that we offer simplicity. The network is very stable and continuing to grow and we will work with any provider. As you can see from this slide, we actually have a hundred percent, we have fantastic, our county government has fantastic network access. A hundred percent of the in-network PPO providers are with UHC and those that aren't, we are ready to deploy resources upon notification sale to recruit any highly utilized non-PAR DHMO and PPO providers. Good afternoon, my name is Joe Vidal and I am the Senior Account Executive in the Ancillary Specialty Division. I have been with United seven years but in the industry for 28 years. As we, most of us know, the biggest challenge of both DHMO products is their restrictive capitation platform. With the capitation platform, employees have to choose a general dentist and wait until their names are in their roster. That takes time, especially during open enrollment. To change your provider once in their roster also requires a written notice, typically requires a written notice. An employee might have further delays in accessing their dental care, typically 30 to 60 days. With United, our Dental DHMO has an open access fee-for-service contract, which gives employees full control of accessing all DHMO providers by simply identifying those providers in network providers, calling them, and making an appointment. This allows for seamless and easy administration both for the staff and employees during open enrollment, which is critical, and future dental visits. The UAC has enjoyed a strategic relationship with Solstice since the year 2000 due to their open access network practices similar to our medical plans. Once we purchased Solstice in 2021, we now own and control our proprietary products or plans network with an extensive UAC account management team behind us. This is the same team we have the privilege of servicing Broward County government for several years. Now, you're very familiar with our extensive PTO network. Above is, you can see our large national DHMO network. We currently have a DHMO network in 28 states where employees traveling in those states or dependent children attending colleges in those states can access our DHMO network. Again, by simply picking up the phone, calling, and making an appointment. We continue to expand our DHMO network states where members can enjoy the freedom of open access. We also have a number of unique value-added features available such as our UHC store and discount and rewards marketplace where members can actually purchase many health-related items such as smart toothbrushes, electronics, fitness, and nutrition programs, and even pet insurance if they want to insure one of their little furry friends. As well as another value-added benefit is the great way you can save members a ton of money and help them save their lives as well. We also have our enhanced prenatal benefits for expected moms who need extra dental cleanings and periodontal treatment during the course of the pregnancy and then also three months post delivery. Another benefit that we have built into all of them is our oral cancer screening. According to the Oral Cancer Foundation, oral cancer will roughly kill one person per hour. So if, for example, the evaluation meeting goes until 4 o'clock, that would be potentially three mothers or fathers or daughters or sons or a member of the family. And I would also say that if oral cancer is caught early, it is very treatable. So that's why we include the screening because we want to make sure that our members are kept healthy and also the local site who's at risk to help can save them by utilizing their life-saving green coverage. According to the National Association of Dental Plans, only 2.9% of PDO dental plan enrollees ever hit the annual maximum. Our data confirms this within your membership and the majority of the folks are using it for preventive care, some dental restorations, and orthodontics. By promoting preventive dental cleanings and offices, we are able to help members build their annual maximum in case they need extensive major services down the road. We find the approach superior to other carriers programs that offer additional coverage for we engage with members early using preventive care benefits which help avoid the needy and costly painful major services. For a small percentage of members who exceed their annual maximum, the added benefit we provide gives them real dollars that can go directly towards the treatment instead of a low percentage of added coverage. Currently, 6,600 members have built up over 4.7 million in these added benefits on your plan. On average, this is $400 of additional benefit per member, with more than half of them having over $1,000 in additional annual maximum. The major item that I'd really like to talk about is integration with the medical plan. This is a huge factor in helping members to improve their overall health and save money. Studies have shown that members with chronic conditions listed here who have their dental care in line are able to improve their overall health and cost less on the medical side as well. We engage members with chronic conditions in closing their dental cabin care. By doing this, we estimate that we are able to avoid $400,000 in medical costs annually. Since the majority of Broward's members are on the high deductible plan, these are direct savings for those members who are paying $1 for their health care. The integration typically saves a member about $300 annually. Currently, we only do this with the PBO dental that we administer, but if awarded the DHMO, we can extend this integration to that plan as well. There is a specific connection between dental care and opioid addiction as well. One out of 10 opioid prescriptions is written by a healthcare professional. What's more, 45% of opioid prescriptions are for adolescents, with 5.8% of those being diagnosed with opioid abuse within a year. This is why it is critical to be able to integrate the medical to help prevent, treat, and support the members. Lastly, I want to jump into customer service and member support. Our member support model for Broward County government starts with our account management team who are already in place and know many of your employees and family members. While we have our call centers that can accommodate any language needed and our website and app for further assist menders, when it comes to difficult or complex concerns, having someone who is local that a member can go and sit with if needed is fantastic. With the exception of Sergio listed here, who just started with us, all the rest of the team have been working hand in hand with the Broward County staff for many years. Chris and Sergio are there to help guide members with questions and work to educate on plan benefits, while Lisa, our nurse liaison, and Manali, our nutritionist, are constantly out at different locations, reaching out to members with gaps in care. Because Broward County has such a robust well-being program, 96% of Broward County employees enrolled on the medical already have access to either the myuhc.com website or have downloaded the UHC app. Members currently can use extensive tools to help identify what provider they might best care, might like to care for them. We have verified provider relations through health rates to help as well. And members can also review cost and care options. Knowing how much people use their phones, UHC has invested heavily in transforming the mobile experience. The Dental Cost Estimator does just that, helps members estimate what their costs are. Provider search uses the phone locations to find providers nearby, and can even call the provider from the app. Members can also visit with dental providers virtually. This is an excellent benefit in case of emergencies. Lastly, we'll present on implementation and ongoing account support. Surprise, surprise, your account management team would also be your implementation and ongoing relationship team. Since we already have an electronic file feed coming over from Broward County, if awarded the DHMO, we would just need to add a few structure lines. Do a quick test and plug into the production. All of us would then assist in open enrollment meetings and the transition for the DHMO members from the current carrier to UHC. We would also look to increase the employee education on their dental benefits through various county-specific videos and tie that to the county's well-being program reward for dental care. Here's our team in action at previous events around the county, which we would hope to continue and expand. These events help bring the benefit experts to the members. By being aware the members can easily access the UHC team, they can come up, ask questions, and get the guidance and help they need to take full advantage of their benefits. As we all know nowadays, busy lives, sometimes dental concerns, get pushed to the back burner. We recognize that moving from one carrier to another for the DHMO members will be a change, which is why we have a plan in place to help make this as easy as possible. Currently, we're showing 25 general dentists and 26 specialists that Broward County members have used over the past year that are not in our DHMO network today. Many of them are on our PPO network, and we have already started contacting them and looking to recruit them on the DHMO. Dental transition of care for members. Yep. Is that a question? I'm sorry. I'm sorry. I'll keep rolling. Dental transition is very important. Most dental procedures are done on one day, and so based on the coverage that day, that is the carrier who would do that, who would cover that treatment. But braces and other things can go on over the period. So ultimately, we do not want to have members change dentists when they are in the midst of care. So we would work to ensure the member does not lose any benefits from their current treatment plan or any increased costs from what they were previously quoted, even if they're using out-of-network providers. Our strategy is to utilize the expertise and capabilities of our organization to provide the county with simpler administration, freeing up county staff for other projects, with superior member benefits, plan design, and open access network for both the PPO and DHMO programs. With integrated care that utilizes the benefit, excuse me, the dental benefit, which is funded 100% by the employee to help them lower their overall annual health care costs. All delivered with the amazing advocacy from your local on-site account management team that already know and are helping your members today. This is how we will help your employees and their family members to live healthier lives. Thank you for giving us the opportunity to present to you today. While we work to tailor this presentation to your requested outline, please let us know what questions we may have not answered or questions we have generated through our discussion. Thank you. Appreciate your presentation. That is it. Thank you so much. Committee members, are there any questions for United? Good afternoon, Esther Mitchell. Thank you for your presentation. So while reviewing your proposal, I noticed that there is language there that says that rates could change if the volume goes up or down by 10%. However, in our scope of services, both for the DHMO and the DPPO, we stated that the county will not guarantee a minimum number of participants. So is that still in your position? Please go. Thank you very much. Would you please explain the orthodontia benefits both in the DPPO and the DHMO? And in that explanation, would you please tell us if Invisalign is something that the participant could afford instead of the traditional braces? Do you want to jump in on that one? Sure. Let's start with the last of the first question. Invisalign and aligners are covered under both plans. And what was your question about the transition of care? I'm sorry? No question on transition of care. It was just for you to explain the orthodontia benefits in both the DPPO and the DHMO. Actually, Tom, I think it was Tom. No, I'm sorry. Jim mentioned earlier that orthodontia is covered under both plans. And if someone is in the middle of orthodontia treatment, for example, maybe it was a dependent child that started their orthodontia in just the last couple of months. If there's a change in the income, meaning if we're fortunate enough to win your business and add the DHMO, we will take over where it's left off. So we will pay, for example, on the DPPO up to the lifetime maximum or the number of treatments that are remaining, whichever comes first. On the DHMO, it's a little different in that members do not have to change orthodontists, which is huge. We don't want them to stop their orthodontia treatment and have to shift providers. And also, we just add up all of the explanation benefits from the prior carrier, and then if there's something left from a copay, which usually there is not unless it's just started, then there's just the applicable copay that would be due from the member. Okay. And is orthodontia benefits available to both children and adults in both of the plans, the DPPO and the DHMO? No. The DPPO only covers orthodontia for children under the age of 19. Okay. And just to reiterate, there will be no primary care dental requirements for the DHMO? Correct. And no referral specialist? Yeah, correct. And that's an important item. Joe mentioned it's fee-for-service. And I'd like to expand on that a little because there's a lot of things that really help the member out having that model. The first one being, of course, that you don't have to call us or go online and select a dentist, be on their roster, and if you change, switch. You can simply go through the phone book or go through the directory and call a dentist up and say, hey, do you have an appointment next week? And if they say yes, then go to them and be seen. Especially that's important because, as Joe also showed you, the national network. Let's say you're having an emergency and you're in Texas, you can look on your phone app, find a dentist nearby and call and go see them. With that said, the way that dentists look at members, and especially not just dentists, but the folks who are booking appointments for the dental office, the front office, they look and some of them actually get bonus based on how much money they bring in in claims. So those companies that have habitat models, that doesn't factor in. And so when they see one of our DHMO members, they know they're going to file a claim and they're going to get a claim payment similar to how the PPO works. And so a lot of times what I've found is that members on our program will, if they're on the waiting list, will get called sooner than other members who aren't on a plan like ours that is future service. Hey, Jim, can I jump in real quick? Sure. Esther, so I don't know that we answered the question on the DHMO. I believe the DHMO covers both adults and children. Yeah, you are correct. So that provides an avenue for adults to access orthodoxy. And there is a copay, a set copay for those services. Whereas the PPO, as Lee stated, has a lifetime maximum. Once they hit that lifetime max, that's all we will cover. Some providers and network providers will extend discounts that are available. Some will not. Typically, we see that most providers in network providers will extend a discount even after the lifetime max is achieved. With respect to the capitation, let me take a step back. I was short on time, so I couldn't really expand on capitation. But capitation, basically, the employee has to pick a dentist. That dentist will start getting a capitation payment every month, even if he doesn't see that employee. That's why our fee-per-service model is much more productive because they're anxious to see our members because that's the only way to get paid. They get paid for offering services, and we give them a fee in return. Where most other carriers have a capitation, there isn't a lot of incentive there to see these members as quickly as possible. That's why you see even though they're in their plan, there might be delays in giving them an appointment or our members are going to be seen faster. Understood. Thank you very much for the clarification. My question, sir. Thank you. No problem. And not to further confuse you, if you all recall, your medical plan actually also has a dental rider. It's our dental discount plus plan one, which if, so if a member's on the PPO plan and on the medical, they would have that as another coverage to where an adult could use, an adult on the PPO plan could use that and go and network for discounts on orthodontia as well. Thank you. No further questions. Circling back. Thank you, United, for your presentation. We appreciate your time today. Thank you. You're welcome. The fourth and final presenter, United Healthcare Insurance has now completed their presentation and answer all questions. This concludes all vendor presentation. United, you may remain in the room. Ladies and gentlemen, please invite. Everybody. You're welcome. Ladies and gentlemen, please invite all the vendors back, vendors and members of the public, back to the meeting. While we're doing that, the motion committee members, you need a break? Yes. Yes. Thank you all for rejoining us. We're just going to take a quick recess. The time is 3.36 PM. I'd like to reconvene the meeting. The time is 3.42 PM. The next order of business is the scoring of the vendors. Two separate score sheets have been distributed to the evaluation committee members, one for the DHMO, one for the DPPO. The score sheets include points that are assigned for location, which are applied based on a specific criteria in the solicitation. Score sheets also include points for price, which was calculated based on the formula identified in the solicitation. When all committee members have completed and submitted their score sheet, I will recess the meeting to provide time to tabulate the results. Committee members, please confirm that you've received your score sheets. Yes. I don't know if you have any questions. No. I still deliver them. Nope. I have them. I do have them. You can refresh your... I don't have an email from 1250. I'm sorry. Yeah. So you're going to have to log in with your... Let me help you. I'm left. No, no, no. Can't do that. Okay. She's just logged into the internet now. She's just logged on. Sorry. Sorry. Sometimes the BC Wi-Fi doesn't work for me. This is an ancient computer. I don't... It's weird because there's nothing since... Oh, if I restart the computer, then we've got to redo the whole thing again. Give her a physical one in the meantime. Give her a physical one. Sorry. It's not out. Now it doesn't... Oh, wait. Here it is. It's coming. Let's see if we did something. No. It stopped. Oh, let's give it a minute. Wait, wait. Ah, yep. I have to let you start scoring. So just let me know when you have it. Yes, you got it. You have it. Ask again, committee members, any questions on your score sheets? Hearing none, you may begin your scoring. Repository. All score sheets have been received. We'll now take a recess to tabulate the results. The time is 4.50 p.m. Thank you for your patience. I'd like to reconvene the meeting. The time is 5.04 p.m. Before the results are announced, I'd like to thank you guys. Thank all the vendors for your participation in the solicitation process. We appreciate your time and interest in doing business with Barrett County. Purchasing, please announce the scoring, scores, and the ranking. Thank you, Madam Facilitator. Regarding location, after further review, all firms receive zero points. The scores are as follows. For DHMO, Humana Life Insurance Company received a total of 231 points. Humana Insurance Company received a total of 265 points. Standard Insurance Company received 267 points. And United Healthcare Insurance Company received a total of 270 points. The ranking, United Healthcare, the first ranked vendor. Standard Insurance Company, the second ranked vendor. Humana Insurance Company, the third ranked vendor. And Aetna Life Insurance Company, the fourth ranked vendor. For DPPO scores, Aetna Life Insurance Company received a total of 240 points. Humana Insurance Company received a total of 268 points. Standard Insurance Company received a total of 261 points. And United Healthcare Company, Healthcare Insurance Company received a total of 276 points. The ranking, United Healthcare Insurance is the first ranked vendor. Humana Insurance Company is the second ranked vendor. Standard Insurance Company is the third ranked vendor. And Aetna Life Insurance, the fourth ranked vendor. Thank you, Madam Facilitator. Thank you. The next order of business is to accept the scoring and the ranking. Committee members, may I have a motion to accept the Evaluation Committee's results and the recommendation of ranking for approval? Jessica Lamar Wright, I would like to make a motion to accept the Evaluation Committee results. May I have a second? Aye, I'll second. All in favor say aye. Aye. Any opposed? Motion passes unanimously. The Evaluation Committee recommendation will be posted on the Purchasing Division's website for three business days as a proposed recommendation of ranking. Following this three business day period, if no objection to the proposed ranking have been received in writing by the Director of Purchasing, a final recommendation of ranking will be posted for five business days. If no vendor timely objects or protests, the ranking shall be final, provided that no county commissioner objects within the five business days after receiving a notice from the Purchasing Division of the final ranking. Once the ranking is deemed final, the county shall commence contract negotiations with the number one ranked vendors. As a reminder, all information reviewed by the Evaluation Committee is posted on the Purchasing Division's website repository, including the closed portion of this meeting. Committee members, is there any other business that we need to discuss today? Hearing none, again, I'd like to thank you all for your time today and for your participation in the solicitation process. And thank you to the Evaluation Committee members for your participation as well. This final Evaluation Committee meeting is adjourned. The time is 5.09 p.m. Have a good evening. Thank you. Thank you.