Athletic/All Activities Student Accident Insurance Request for Proposal # RFP Contract Award Recommendation

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Frank Campbell
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Memo To: From: Kristine Johnston Karen Smith Date: June 10, 2013 Subject: Athletic/All Activities Student Accident Insurance Request for Proposal #13-05-3603RFP Contract Award Recommendation The

1 Memo To: From: Kristine Johnston Karen Smith Date: June 10, 2013 Subject: Athletic/All Activities Student Accident Insurance Request for Proposal # RFP Contract Award Recommendation The District issued a Request for Proposal (RFP) for Athletic/All Activities Student Accident Insurance, Individual Voluntary Student Accident Insurance and Athletic Catastrophic Student Accident Insurance with the goal to obtain equivalent or improved coverage and terms while maintaining a reasonable premium. Proposals were not received from the incumbent insurance agent. We received proposals from two agents for the Athletic/All Activities Student Accident Insurance, the Athletic Catastrophic Insurance, and the Individual Voluntary Student Accident Insurance. The proposals varied in their terms and conditions and premiums. Attached is the evaluation of proposals based on the RFP criteria and detailed analysis sheet for your review. For the Athletic/All Activities Student Accident Insurance, I recommend the District accept the proposal from The Brokerage Store, underwritten by Columbian Life Insurance Company. I also recommend the District accept the proposal from The Brokerage Store for the Voluntary Accident Plan, underwritten by Security Life Insurance Company, and the Athletic Catastrophic Insurance, underwritten by Zurich American Life Insurance Company. The District has previously utilized The Brokerage Store and continues to have a good working relationship with them. Their proposal for a premium of $462,650 for the Athletic/All Activities Student Accident Insurance, though not the lowest, provides equivalent coverage and terms as the expiring policy for the District. This proposal provided the best value for the services requested. Additionally, the Individual Voluntary Student Accident Insurance policy will serve as primary insurance regardless if the student has other coverage. The agency will work to coordinate both policies so that the voluntary plan will pay up to the $750 deductible that is applicable to all injuries covered by the Athletic/All Activities Student Accident Insurance policy. As noted above, I am also recommending that the Athletic Catastrophic Student Accident Insurance be awarded to David Cates of The Brokerage Store, underwritten by Zurich American Insurance Company. The same agent on both the Athletic/Activities and the Catastrophic Accident coverage will allow them to be able to expedite claims for our claimants if necessary. Feel free to contact me if you have any questions. Thank you. cc: Stuart Snow Matt Morgan Melissa McAnear

2 Comparison Criteria Insurance Company Cypress-Fairbanks I.S.D. Athletic/All Activities Student Accident Insurance Evaluation of Proposals using RFP Criteria Agent Managing General Agent Third Party Administrator Proposal # Max Value Athletic & Voluntary Insurance Proposers David Cates Larry Welch Greater East Texas Insurance The Brokerage Store Associates Student Assurance Services, Universal Fidelity Life Inc. Insurance Columbian Life Insurance Fidelity Security Life & Security Life Insurance Insurance 1 1 A Overall cost proposed to perform the requested services B Capability of the proposer to support the services quoted C References D Compliance with the RFP basic requirements and forms E Experience with political subdivisions TOTAL Evaluation of Proposals using RFP Criteria Agent Managing General Agent Third Party Administrator Comparison Criteria Insurance Company Proposal # Max Value Catastrophic Insurance Proposers David Cates Larry Welch Greater East Texas Insurance The Brokerage Store Associates Zurich American Insurance Zurich American Insurance Zurich American Insurance Zurich American Insurance 1 1 A Overall cost proposed to perform the requested services B Capability of the proposer to support the services quoted C References D Compliance with the RFP basic requirements and forms E Experience with political subdivisions TOTAL

3 ATHLETIC & ACTIVITIES ACCIDENT PLAN Lone Star Advantage Lone Star Advantage 2 AGENT David Cates Larry Welch Larry Welch MGA The Brokerage Store, Inc Greater East Texas Insurance Associates Greater East Texas Insurance Associates TPA Student Assurance Services, Inc Universal Fidelity Life Insurance Co Universal Fidelity Life Insurance Co COMPANY Columbian Life Ins. Fidelity Security Life Ins Co Fidelity Security Life Ins Co BEST RATING A- Excellent A- Excellent; Financial Category VII A- Excellent; Financial Category VII NETWORK NAME Lonestar, USAMCO Texas Kids First Texas Kids First TEXAS GUARANTY FUND Yes Yes Yes Plan Name Maximum Benefit per Injury $25,000 per Injury $25,000 per Injury $25,000 per Injury Benefit Period 52 Weeks 52 Weeks 52 Weeks Deductible $750 per Injury $750 per Injury $750 per Injury Deductible Accumulation 52 Weeks Cash Deductible per Injury Cash Deductible per Injury Primary or Excess Excess Excess Excess Pre-existing Conditions A re-injury will not be covered if the insured has received treatment within a period of 180 days prior to the Effective Date of the policy. Must be treatment free up to 120 days prior to the Effective Date of Policy Must be treatment free up to 120 days prior to the Effective Date of Policy Primary PPO Out of Area Denial No Penalty No No Physician Benefits Inpatient per Day Usual & Customary $40 per Day $40 per Day Outpatient per Day U & C; 5 Visits Maximum $40 per Day $40 per Day Hospital Benefits Room & Board Semi-Private Room Rate Semi-Private Room Rate Semi-Private Room Rate Intensive Care 1.5 Times Semi-Private Semi-Private Room Rate Semi-Private Room Rate Hospital Miscellaneous Expenses: U & C to $10,000 U & C up to $750 1st Day/$250 per Day thereafter/$5,000 Maximum U & C up to $250 per Day/$5,000 Maximum Outpatient Surgery U & C to $5,000 90% of U&C up to $4,500 Maximum 75% of U&C up to $2,000 Maximum Inpatient Surgery U & C to $5,000 90% of U&C up to $4,500 Maximum 75% of U&C up to $2,000 Maximum Assistant Surgeon 25% of Surgeon Benefit 25% of Surgeon Benefit 25% of Surgeon Benefit Day Surgery U & C to $2,500 Facility U & C to $1,750 Maximum 75% of U & C to $2,000 Maximum MRI or Cat Scan $600 U & C up to $750 and $50 for Reading U & C up to $500 and $50 for Reading Emergency Room $500 U & C up to $225 Maximum U & C up to $75 Maximum Ambulance $1,000 U & C up to $5,000 Maximum U & C up to $1,000 Maximum Additional Services Outpatient Physical Therapy $50 per Visit; 20 Visit Maximum $50 1st Visit; $25 thereafter; 10 Visit Max $50 1st Visit; $25 thereafter; 8 Visit Max Dental Treatment U & C to $5,000 Maximum U & C up to $10,000 U & C up to $5,000 Orthotics - In $500 then 100% Don Joy Orthopedic Products U & C up to $500 max post surgical U & C up to $500 max post surgical Orthotics - Out $500 then 100% Don Joy Orthopedic Products U & C up to $500 max post surgical U & C up to $500 max post surgical Durable Medical Equipment $150 U & C up to $200 max post surgical U & C up to $175 max post surgical Heat, Fainting, Dehydration Covered Covers Heat Stroke Covers Heat Stroke 1

4 ATHLETIC & ACTIVITIES ACCIDENT PLAN (continued) Lone Star Advantage Lone Star Advantage 2 Life Insurance, AD&D Death $2,000 $20,000 $20,000 Activities Covered UIL sports, grades 7-12; Managers, Trainers, UIL competitions, day and overnight field trips. Off-season conditioning, including interscholastic athletes taking physical education for grade, vocational classes, ROTC, FFA, band, cheerleading, drill team, and other UIL Activities which are exclusively sponsored and immediately supervised by an authorized employee of the policyholder. Any enrolled student engaged, as an official representative of the Policyholder, in the play or practice of Interscholastic Athletics and Activities under the supervision of a regularly employed coach or trainer of the Policyholder. Off-season conditioning, including interscholastic athletes taking physical education for grade, vocational classes, ROTC, FFA, band, cheerleading, drill team, and other UIL Activities which are exclusively sponsored and immediately supervised by an authorized employee of the policyholder. Any enrolled student engaged, as an official representative of the Policyholder, in the play or practice of Interscholastic Athletics and Activities under the supervision of a regularly employed coach or trainer of the Policyholder. Off-season conditioning, including interscholastic athletes taking physical education for grade, vocational classes, ROTC, FFA, band, cheerleading, drill team, and other UIL Activities which are exclusively sponsored and immediately supervised by an authorized employee of the policyholder. Rate Guarantee Year One Year Two Yes, $462,650 Per Formula, Dependent on Loss Ratio Per Formula, Dependent on Loss Ratio Year Three TBD Per Formula, Dependent on Loss Ratio Per Formula, Dependent on Loss Ratio Primary Provisions (yes or no) Excess over other insurance Yes Yes Yes Explain any pre-existing condition clause A re-injury will not be covered if the insured has received treatment within a period of 180 days prior to the Effective Date of the policy. Any disease of physical condition for which the insured received medical adviser or treatment 4 months prior to the policy effective date Any disease of physical condition for which the insured received medical adviser or treatment 4 months prior to the policy effective date Covers These Activities: All UIL Activities Yes Yes Yes Vocational Yes Yes Yes Field Trips Yes Day Only Day Only Power Lifting Yes Yes Yes Diving Yes Yes, if part of interscholastic swimming Yes, if part of interscholastic swimming Rodeo TBD No No 7 on 7 Football Yes Yes Yes Soccer Start Program, Middle School After-School Program Yes Pre-certification required? No No No Individual underwriting required? Is there any reducation in benefits from current plans? No No No No Yes Yes Define U&C or R&C: (basis of payment & Percentile) Annual Premium $0 Deductible U & C / 75% of the most current survey published by Fair Health, Inc U & C / 75% as determined by data provided by Context 4 Healthcare U & C / 75% as determined by data provided by Context 4 Healthcare $750 Deductible $462,650 $538,955 $455,000 2

5 ATHLETIC CATASTROPHIC COVERAGE AGENT David Cates Larry Welch Larry Welch MGA The Brokerage Store, Inc. Greater East Texas Ins Associates Greater East Texas Ins Associates TPA COMPANY Zurich American Life Ins Co Zurich American Insurance Co Zurich American Insurance Co BEST RATING A Excellent A+ Superior; Financial Category XV A+ Superior; Financial Category XV TEXAS GUARANTY FUND Yes Yes Yes CATASTROPHIC ACCIDENT PLAN Maximum Benefit $7,500,000 $7,500,000 $7,500,000 Injury to Loss Requirement-Days 180 Days 180 Days 180 Days Benefit Period 10 Years 10 Years 10 Years Catastrophic Cash Benefit (Additional Premium Required) $500,000 $500,000 $500,000 Deductible $25,000 $25,000 $25,000 Deductible Accumulation Period 24 Months 24 Months 24 Months Basis of Payment U & C for Medically Necessary Covered Medical Services U & C / Excess U & C / Excess Life Insurance, AD&D Death $10,000 $10,000 $10,000 Dismemberment $20,000 $20,000 $20,000 Covers all UIL Activities Yes Yes Yes Annual Cost $18,000 $17,971 $17,971 $500,000 Cash Benefit Option $8,600 N/A N/A Annual Cost if no Basic $18,000 N/A N/A Rate Guarantee Year One Year Two No No No Year Three No No No Total Basic & Catastrophe Cost $480,650 $556,926 $472,971 Athletic Department Questions What activities are covered? All UIL Activities: All enrolled students of the District, while participating in gym classes and extracurricular school activities including intramural and interscholastic sports, including band members, cheerleaders, majorettes, student coaches, student trainers, and student managers. Also covered are ROTC, FFA, vocational and some academic activities. Supervised travel to and from such games, activities, and practice sessions are covered. All UIL sports activities and non sport UIL activities that are not part of the normal classroom curriculum. All UIL sports activities and non sport UIL activities that are not part of the normal classroom curriculum. What activities are NOT covered? 3

6 VOLUNTARY ACCIDENT PLAN TPA Student Assurance Services, Inc Universal Fidelity Life Ins Co Universal Fidelity Life Ins Co COMPANY Security Life Ins Co Universal Fidelity Life Ins Co Universal Fidelity Life Ins Co Maximum Benefit $25,000 $25,000 $25,000 Physician Visit U & C up to $50; 10 Visit Maximum $40 per Day $40 per Day Coinsurance 100% to Scheduled Maximum - - Hospital Room & Board Semi-Private Room Charges U & C to $750 per Day / 6 Day Max U & C to $750 per Day / 6 Day Max Inpatient Surgery Included in Hospital Expense below 75% U & C to $2,000 75% U & C to $2,000 Hospital Expense U & C first day up to $1,000; thereafter up to $500 per day; $5,000 maximum U & C up to $2,000 U & C up to $2,000 Primary up to $25, Accidental Death $2,000 $2,000 $2,000 Does voluntary coordinate to eliminate the Athletic/Activities' Deductible? Plan pays primary to all other coverage Voluntary benefits pay before Athletic Plan benefits Voluntary benefits pay before Athletic Plan benefits Annual Premium 24-Hour No UIL $105 With UIL $195 $80 Non Athletic / $180 with Athletic $80 Non Athletic / $180 with Athletic At School No UIL $ 25 With UIL $115 $30 Non Athletic / $90 with Athletic $30 Non Athletic / $90 with Athletic Football FB $ Hour Dental $9 Included Included Excess over other insurance? No, Primary Coverage Services Claims paid by: Student Assurance Services, Inc. Universal Fidelity Life Ins Co Universal Fidelity Life Ins Co TPA school clients in Texas - # Blanket plans - # Catastrophic plans - # How many years has primary company underwritten this plan in Texas? 15 Years 6 Years 6 Years 4

Athletic Revenues and Parents

Athletic Revenues and Parents To: From: Matt Morgan Assistant Superintendent of Support Services Kristine Johnston Director of Purchasing Date: June 16, 2016 Re: Athletic/All Activities Student Accident Insurance Annual Contract #16-05-4932RFP