# Denton Ionwave #9161

City of Denton Stop-Loss Insurance for Self-Funded Medical and Prescription Plans

**Posted:** October 02, 2026
**Respond By:** October 28, 2026
**Identifier:** 9161
**NAICS:** 524130

The City of Denton is seeking stop-loss coverage for its self-funded employee health and prescription plans.
- **Government buyer:** City of Denton, Purchasing office.
- **Requested coverage:** Specific (individual) and aggregate stop-loss insurance for employees, retirees, and dependents, covering medical and prescription claims.
  - Specific-deductible quote options: **$185,000, $200,000, $225,000, and $250,000**; no aggregating-specific deductible is requested.
  - Requested contract basis: 24/12 or paid.
- **Notable coverage requirements:** The City prefers clean contracts without lasers or run-in limitations. It requires no-loss/no-gain protection and seeks waivers of certain pre-existing-condition, actively-at-work, and non-confinement provisions for initial enrollment when current-plan limitations have already been satisfied. It will consider no-new-laser renewals and second-year rate caps.
- **Pricing:** Quotes should be net of commissions and consulting fees, exclude taxes, and disclose all City costs. Rates are requested to remain firm for 45 days, subject to updated claims and disclosure information.
- **Named vendors and plan references:** **UnitedHealthcare** is identified as the existing stop-loss carrier, and **SunLife** as the prior carrier. **Surest** and **OptumRx** are referenced in the existing health plan materials as medical-claims and prescription-benefit administrators, respectively. No prospective stop-loss carrier is specified.
- **Existing-plan context:** The Surest plan has no deductible and includes in-network out-of-pocket maximums of $6,500 per individual and $13,000 per family. OptumRx administers outpatient prescriptions with tiered retail, mail-order, and specialty copayments.
- **Period:** Coverage is intended to begin at the start of the 2027 plan year. The initial term is three years from award, with two optional one-year renewals and a possible extension of up to six months. The underlying benefit plan operates on an annual plan-year basis.

### Description

The City of Denton is seeking proposals for specific and aggregate stop loss insurance for employees, retirees, and dependents enrolled in its self-funded medical and prescription plan. Proposed coverage is to include medical and prescription benefits, with requested deductible options of $185,000, $200,000, $225,000, and $250,000; proposals should assume an effective date of January 1, 2027. The scope also discusses contract terms and potential policy enhancements, and requires proposals to be submitted sealed through IONWAVE or as a hard copy; email submissions are not accepted. The response deadline is October 28, 2026, at 2:00 PM CT.

[View original listing](https://dentontx.ionwave.net/PublicDetail.aspx?bidID=2400&SourceType=1)