Secondary Aggregate or Zero Deductible Insurance Coverage Services

The government authority located in Monroe, Louisiana requires secondary aggregate or zero deductible insurance coverage services for approximately 373 student-athletes. The agency is seeking to solve the problem of managing medical expenses for student-athletes by securing comprehensive excess insurance coverage. The contract period for these services will be for one year, and the performance of the work must take place onsite. The scope of work requires two specific policy types. The first policy type is a full excess, non-duplication, traditional zero-deductible plan featuring a ninety-thousand-dollar maximum benefit per injury, a zero-dollar specific per-injury deductible, and a ten-thousand-dollar accidental death and dismemberment benefit with a one-million-dollar aggregate limit. This first policy must cover a benefit period of 104 weeks and include riders for heart and circulatory conditions, HMO/PPO denials, pre-existing conditions, and expanded medical or repetitive motion injuries. The second policy type is a full excess, non-duplication, aggregate deductible plan featuring a forty-five-thousand-dollar maximum benefit per injury, a zero-dollar specific per-injury deductible, and a ten-thousand-dollar accidental death and dismemberment benefit with a one-million-dollar aggregate limit. This second policy must also cover a benefit period of 104 weeks and include the same riders for heart and circulatory conditions, HMO/PPO denials, pre-existing conditions, and expanded medical or repetitive motion injuries. Eligibility is restricted to onshore organizations based in the United States. The agency is looking for proposals to determine the budget for these services. Bidders must submit all questions regarding this opportunity no later than June 30, 2026.