The Coffee County Board of Education approved staying with incumbent carriers for the district’s dental, vision and life insurance programs after reviewing a recent competitive bid and staff recommendations.

Miss Nelson explained that state procurement rules require competitive bidding for non-state-plan insurance and that the district solicited proposals. Broker Mike Ingram reviewed bids: Beam (dental incumbent) proposed a 5% renewal with a one-year rate guarantee and a rollover dental maximum; Delta Dental bid higher (noted in the presentation) and Cigna proposed a smaller rate increase but had provider-network concerns. For vision, incumbent CEC offered a two-year rate guarantee and a $350 “flex” benefit employees can use for glasses or contacts; competitors either tied vision to their dental proposals or offered smaller networks and shorter guarantees. For life insurance, incumbent 1America offered continuity and a policy feature that lets employees add $10,000 of voluntary coverage at each renewal without health questions; Mutual of Omaha bid a slightly lower voluntary premium but the district favored the continuity and service record of the incumbent.

Hargrove recommended keeping the incumbents to avoid disruption. Board members discussed employee access to current providers and the tradeoff between small premium differences and network continuity. The board voted in favor of staying with Beam for dental, CEC for vision and 1America for life insurance.

What was approved:
- Dental: remain with Beam (recommended by staff). Staff said Beam’s renewal is a 5% rate increase with a one-year guarantee and a rollover benefit that can increase the annual maximum to $3,000 under the plan’s conditions.
- Vision: remain with CEC (recommended). CEC offered a two-year rate guarantee and a $350 per-employee flexible benefit and had broad retail-network coverage, including Walmart providers.
- Life: remain with 1America (recommended). The incumbent has provided five years of stable rates and portability features staff considered important; Mutual of Omaha was an alternative with comparable pricing on voluntary life.

Votes on each recommendation passed on roll call. Staff said they weighed price changes against provider access and administrative disruption and concluded that staying with incumbents was in employees’ interests given the narrow price differences and the value of network continuity.

Why it matters: Insurance vendors affect employees’ out-of-pocket costs, provider access and the district’s benefits budget. Staying with incumbents preserves continuity of care and reduces the risk of network disruption for employees and families.