SUBJECT
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Approve dental insurance policy with Cigna Health and Life Insurance Company, effective January 1, 2026.
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DESCRIPTION
Earlier this year, Polk County issued a Request for Proposal (RFP) for dental insurance services and selected Cigna Health and Life Insurance Company (Cigna) to provide insurance coverage and related administrative services to County employees, spouses, and dependents.
The current dental insurance policy with Aetna expires on December 31, 2025. Implementation activities with Cigna are nearing completion in preparation for a policy effective date of January 1, 2026. This is a fully insured insurance policy where Cigna assumes all risk and administrative responsibilities for the dental benefits program.
The new Cigna policy will result in an overall 14% reduction in employee dental insurance premiums compared to current Aetna rates, providing direct cost savings to employees who elect dental coverage.
RECOMMENDATION
Staff recommends Board approval authorizing the Risk Management Director to bind dental insurance coverage with Cigna Health and Life Insurance Company, effective January 1, 2026, as detailed above.
FISCAL IMPACT
No direct cost to the County. This is a fully insured policy where all premiums and fees are paid by employees who elect dental coverage through payroll deduction. The County serves as the sponsoring entity for this voluntary employee benefit.
CONTACT INFORMATION
Mark Thomas
Director, Risk Management
863-534-5265