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URANCE <br />December 10, 2001 <br />Mr. Christopher Russo <br />City Manager <br />City of Sunny Isles Beach <br />17070 Collins Avenue, Suite 250 <br />Sunny Isles Beach, FL 33160 <br />Re: Group Health Insurance Bid # 0 1 -11 -0 1 <br />Dear Mr. Russo, <br />Brown & Brown, Inc. <br />Spessard Holland Bldg. Suite 400 <br />8000 Governors Square Blvd. <br />Miami Lakes, FL 33016 -1588 <br />305/364 -7800 • Toll Free 800/432 -8844 <br />FAX 305/822 -5687 <br />I am pleased to enclose Brown & Brown Insurance's Group Health Insurance Proposal in <br />accordance with Request For Proposal, Bid #01- 11 -01. <br />As you know, Brown & Brown has, along with Aetna USHeathcare, been the provider of the <br />Group Health Insurance for the employees of the City of Sunny Isles Beach since January 1, <br />2001. We have enjoyed a wonderful relationship with your entire staff and have strived to provide <br />all parties with professional and efficient service. <br />Health care costs are constantly rising, and our incumbent carrier, Aetna USHealthcare developed <br />a rate increase of 30% for our current US Access Point of Service Plan 5. As part of the Request <br />for Proposal process, we have negotiated alternate benefit plans and rates with Aetna US <br />Healthcare, as well as numerous other carriers. We have made every attempt to minimize the <br />premium increase and continue to provide quality health care benefits to your employees. <br />Within our proposal you will find various alternative benefit plans and rates from Aetna <br />USHeathcare as well as Blue Cross /Blue Shield of Florida, Cigna Health Plan and Humana <br />Health Plans. United Health Plan would not offer a proposal and other carriers did not meet the <br />minimum financial criteria required by the Request for Proposal. <br />You currently are providing a single plan for all employees. Our Request for Proposal offers a <br />variety of single to triple option plans, HMO, POS and PPO. We look forward to meeting with <br />the Employee Benefits Committee to review and compare all alternatives. <br />Thank you for the opportunity to offer our Proposal and look forward to continuing to have the <br />privilege of providing and serving the Group Health Benefits for the employees of The City of <br />Sunny Isles Beach. <br />Sincerely, <br />Robert Hollander <br />Executive Vice President <br />40 Encl. <br />