# Garland Ionwave #REQ00003255 Addendum 1

City of Garland stop-loss insurance for employee and retiree health plans

**Posted:** October 08, 2026
**Respond By:** November 03, 2026
**Identifier:** REQ00003255 Addendum 1
**NAICS:** 524114

The City of Garland is seeking carrier proposals for stop-loss coverage for its self-funded employee and retiree health plans.
- **Buyer:** City of Garland, Purchasing & Contract Administration; the Procurement and Contracts Division is also identified.
- **Requested service:** Stop-loss insurance for active employees, retirees, and COBRA participants. The group includes 2,162 active employees, 253 retirees, and 3 COBRA participants.
- **Incumbent vendors:** **BCBSTX (Blue Cross and Blue Shield of Texas)** is the current stop-loss carrier and medical third-party administrator. **Prime** is identified as the current pharmacy benefit manager. These are incumbent providers, not announced awardees.
- **Current coverage specifications:** $300,000 specific deductible; paid contract basis covering medical and prescription drug claims; no aggregate stop-loss coverage or new lasers. Current specific premium is $157.02 per employee per month, blended for employees and retirees.
- **Proposal considerations:** Quote coverage matching current benefits, with improved alternatives permitted; quotes should be net of commissions. The City requests service, pricing, vendor qualification, and implementation information, and requires protection of employee data. This is for carrier-provided insurance, not broker services.
- **Existing plan context:** The Base PPO medical and pharmacy plan is administered by Blue Cross and Blue Shield of Texas.
- **Term:** One initial year with up to two optional one-year renewals. Coverage is intended to begin at the planned contract effective date; renewal options are not guaranteed.

### Description

The City of Garland is soliciting proposals from carriers to provide stop loss insurance for its employees and retirees, with coverage intended to begin January 1, 2027. Proposers may quote coverage matching the current benefits or offer better alternatives; the RFP describes the existing benefit plans and underwriting information. The initial contract term is one year, with up to two optional one-year renewals. The solicitation states that this is for stop loss insurance only and is not a broker RFP.

[View original listing](https://garlandtx.ionwave.net/PublicDetail.aspx?bidID=4135&SourceType=1)