Forest Lake ISD 831 is comparing dental benefit options for employees for the 7/1/2026 plan year, reviewing its current self-insured Delta Dental plan against proposed plans from Ameritas, BCBS, HealthPartners, and MetLife. The comparison covers benefit design, deductibles, maximums, ASO/admin fees, fully insured options, rate guarantees, and participation requirements, with detailed notes on multi‑year rate caps and admin fee limits. No final carrier or funding arrangement decision is indicated, so the district appears to be in an active evaluation and planning stage for its next dental benefits contract. This is commercially relevant for benefits consultants, brokers, and carriers because the district is open to alternatives, including a shift from self‑insured to fully insured and changes in vendor. Vendors can add value by modeling total cost under each option, advising on risk and participation thresholds, and helping optimize the plan to balance employee benefits and budget predictability.

MetLife is presented as a fully insured option with 2nd- and 3rd-year rate caps; Ameritas includes a...