Project Information

Bid Title

RFP 26-005 Debt Collection Services for PEEHIP

Issuing Agency

The Retirement Systems of Alabama

Location

Alabama

Published Date

Apr 1, 2026

Closing Date

Apr 28, 2026

Government Level

State & Local

Status

Closed

Original Source

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Bid Documents

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Project Description

RFP 26-005 Debt Collection Services for PEEHIP

This Request for Proposals (RFP) solicits proposals for Debt Collection Services for a contract period of five (5) years for the Public Education Employees’ Health Insurance Plan (PEEHIP) of Alabama. These services will maximize collections of delinquent accounts, thereby enhancing PEEHIP’s revenues, using the most cost-effective methods and the highest professional standards. With respect to this collections work, PEEHIP seeks a contingency fee arrangement only.

RFP 26-005

Contact:
Gregory Clemmons
Greg.Clemmons@rsa-al.gov

Deadline for receipt of questions:
April 8, 2026 2:00 p.m. CST

Proposals Due:
April 28, 2026 2:00 p.m. CST

Additional Documents:
PEEHIP Business Associate Policy
Agreement to Provide Professional Services
RSA Third Party Vendor Security Checklist

Attachment Preview

REQUEST FOR PROPOSALS

FOR

DEBT COLLECTION SERVICES

FOR

THE

PUBLIC EDUCATION EMPLOYEES’ HEALTH

INSURANCE PLAN

FOR

5 Year Contract Period

BEGINNING

September 1, 2026

RFP 26000000005

Issue Date: March 31, 2026

PEEHIP Request for Proposals – Debt Collection Services Page 1 of 13

This RFP Contains Information Under the Following Headings:

SECTION I

General Information for the Proposer

A. Purpose

B. Background

C. Description of PEEHIP’s Management

D. Operations

E. Funding

F. Other Information

G. Proposal Opening

H. Key Dates

I.

Scope of Services

J.

Payment Schedule

K. Selection of Firm(s)

L. Economy of Preparation

M. News Releases

N. Addenda to the RFP

O. Contact Point

P. Minimum Experience Qualifications

Q. Agents

SECTION II

Information Required from Proposers

A. Qualifications of the Firm

B. Cost and Price Analysis

SECTION III

Criteria for Evaluation

A. General

B. PEEHIP’s Rights

C. Termination

D. Cost and Price Analysis

E. Proposal Evaluation Form

SECTION IV

Additional Documents

A.

State of Alabama Disclosure Statement (Pursuant to the Code of Alabama 1975, Title 41,

Chapter 16, Article 3B)

B.

Sample PEEHIP State Contract

C.

Immigration Compliance Certificate

D.

Proposer Profile Form

E.

Proposer References Form

F.

PEEHIP Statement on HIPPA Compliance Documentation

G.

Third Party Vendor Checklist

H.

Business Associate Agreement

I.

IRS Form W-9

J.

Non-Disclosure Agreement

K.

Certification of Bidder or Proposer

SECTION I

General Information for the Proposer

A. Purpose:

This Request for Proposals (RFP) solicits proposals for Debt Collection Services for a contract period of

five (5) years for the Public Education Employees’ Health Insurance Plan (PEEHIP) of Alabama. These

services will maximize collections of delinquent accounts, thereby enhancing PEEHIP’s revenues, using

the most cost-effective methods and the highest professional standards. With respect to this collections

work, PEEHIP seeks a contingency fee arrangement only.

B. Background:

The PEEHIP provides hospital medical health insurance benefits for all full-time employees and certain

part-time employees of the Alabama public educational institutions, which provide instruction at any

combination of grades K-14. These insurance benefits are also available to retired employees with a portion

of the retiree's cost paid through the employer premium for active employees. Coverage is also offered to

eligible dependents.

Members have the following choices for health insurance coverage as follows:

• Hospital medical administered by Blue Cross and Blue Shield of Alabama – Actives and Non-Medicare

eligible retirees and eligible dependents.

• Prescription Drug coverage administered by Express Scripts – Actives and Non-Medicare eligible

retirees and eligible dependents.

• Health Maintenance Organization – Viva – Actives and Non-Medicare eligible retirees.

• Medicare Advantage Prescription Drug Plan (MAPDP) – Humana – Medicare eligible retirees and

Medicare eligible dependents of retirees.

• Optional Coverage administered by Southland Benefit Solutions, LLC, – consisting of Dental, Hospital

Indemnity, Vision, and Cancer.

• Supplemental Hospital Medical administered by Blue Cross and Blue Shield of Alabama—supplemental

coverage for Actives and Non-Medicare eligible retirees.

Members electing one of the hospital medical plans must pay a small amount each month for single

coverage plus an additional amount if the member elects family coverage. Additionally, members may

select the optional coverage plans or supplemental plan in lieu of the hospital medical coverage. Members

electing hospital medical coverage may also elect to pay an additional amount to acquire one or more of

the optional plans.

C. Description of PEEHIP’s Management:

Administrative responsibility for the PEEHIP, its benefit plans, and its funds is with the Retirement Systems

of Alabama (RSA) administrative staff. The Chief Executive Officer (CEO) of the Teachers’ Retirement

System (TRS) also serves as CEO for the PEEHIP. All matters relating to the PEEHIP have been assigned

to staff who serve under the direction of the Deputy Director for Administration. Currently, Carr, Riggs &

Ingram, LLC, performs the annual audit of the financial statements of the PEEHIP. CavMac Consulting,

LLC, prepares the annual OPEB valuation and GASB 74 and 75 reports.

D. Operations:

The Accounting Division of the RSA is responsible for budgeting projected claims and working with the

insurance consultant to estimate premium rates necessary to fund the claims and maintain adequate reserves

for unreported and unpaid claims.

The PEEHIP Division maintains insurance records for the approximately 360,000 active and retired

members and eligible dependents via Member Online Services. All changes are reported to the third-party

administrators via electronic file transfer.

Currently there are approximately 162,000 hospital medical contracts with 321,000 covered lives. As of

March 24, 2026, PEEHIP had 1,449 delinquent accounts in “collections” status for a combined total of

$1,622,107.75(see aging table below)

Less than 30 days

30 – 60 days

60 – 90 days

More than 90 days

$0

$8,378.22

$22,710.58

$1,591,018.95

E. Funding:

Employer paid health insurance premiums, member payments for family coverage, and additional selected

optional coverage are submitted to the PEEHIP each month from the employer school systems for active

employees and the retirement payroll process for retirees. There are approximately 200 local employer

systems participating in PEEHIP.

F. Other Information:

Additional terms and conditions applicable to, and hereby incorporated within, this RFP and all

proposals submitted in response to this RFP are located at https://www.rsa-al.gov/about-rsa/itb-

rfp/ and titled:

•

RSA Reservation of Rights and Requirements for ITBs and RFPs

•

RSA Standard Terms and Conditions for Solicitations and Contracts

•

RSA Procedure for Resolution of Controversies

By submitting a proposal, all proposers are deemed to have agreed to all terms and conditions

included within the above documents unless a proposer provides RSA with a document clearly

stating its exceptions to any term or condition, along with a detailed justification therefore.

Other documents that are considered as part of this RFP may be located via the internet as follows:

RSA’s website – www.rsa-al.gov

PEEHIP information on RSA’s website – www.rsa-al.gov/index.php/members/peehip/

Alabama Secretary of State’s website – www.sos.alabama.gov

PEEHIP Law – Code of Alabama 1975, Title 16, Chapter 25A, Article 2

Flexible Benefits Plan Law – Code of Alabama 1975, Title 16, Chapter 25A, Article 2

G. Proposal Opening:

Please submit one printed non-redacted and one printed redacted copy of your proposal, and a digital copy

(non-redacted and redacted) on a USB drive in a sealed envelope with the following plainly marked on the

front:

PEEHIP

Debt Collection Services

RFP 26-005

Opening, April 28, 2026

Proposals sent via UPS or FedEx:

Proposals sent via U.S. Mail:

Mr. Gregory A. Clemmons

Assistant Director of Revenue - PEEHIP

Retirement Systems of Alabama

201 South Union Street

Montgomery, AL 36104

Mr. Gregory A. Clemmons

Assistant Director of Revenue - PEEHIP

Retirement Systems of Alabama

P.O. Box 302150

Montgomery, AL 36130-2150

Proposals may be hand delivered to Gregory Clemmons at the Retirement Systems Building, 7th floor, 201

South Union Street, Montgomery, Alabama. Proposals will be accepted until 2:00 p.m. CST on April 28,

2026. Proposals will not be accepted after this date and time. Proposals will be opened after 2:00 p.m. CST

on April 28, 2026. PEEHIP reserves the right to reject any and all responses to this RFP.

Any questions regarding this RFP must be submitted electronically via email by April 8, 2026, at 2:00 p.m.

CST to Gregory Clemmons at Greg.Clemmons@rsa-al.gov.

All responses to this solicitation may be subject to public disclosure upon request. Proposers should

be aware of the Open Records Act (Ala. Code §36-12-40), the Alabama Trade Secrets Act (Ala. Code

§8-27-1 and §8-27-6), and the Public Record Status of Certain Procurement Information statute (Ala.

Code §41-4-115).

Any confidential, trade secret, or proprietary commercial information contained in a proposal must

be clearly marked as such. Identification of an entire proposal as confidential is not acceptable unless

the proposer states in detail the specific grounds and applicable laws which support treatment of the

entire proposal as protected from disclosure.

H. Key Dates:

RFP 26-005 KEY DATES

Activity

Date

RFP to be Issued/Posted on RSA's website

March 31, 2026

Deadline to Submit Questions

April 8, 2026 @ 2:00 p.m. CST

Responses to Questions posted to RSA's website April 10, 2026 @ 5:00 p.m. CST

Responses Due by

April 28, 2026 @ 2:00 p.m. CST

Bid Opening Date

April 28, 2026

Finalist Conferences

Week of May 4, 2026

Award of Bid

Week of May 18, 2026

Commodity Codes

• NAICS 561440Collection Agencies

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