Reta
- Company typePrivate
- Founded1976
- HeadquartersWalnut Creek, United States
- Headcount1–10
- GTM typeB2B
- OfferingServices
What Reta does
Reta Trust is a 501(c)(9) nonprofit, self-funded health benefits trust founded in 1976 to provide healthcare coverage exclusively to Catholic dioceses, archdioceses, religious orders, and affiliated Catholic organizations listed in the Official Catholic Directory. Operating as a multi-employer welfare benefit plan, the trust pools contributions from participating Catholic employers to fund healthcare benefits for their employees, priests, and religious communities. Reta Trust currently serves nearly 117 Catholic organizations across 33 states, covering more than 45,000 members.
The trust's core architecture is an aggregator model that bundles third-party provider networks under a unified benefits platform. Members access medical coverage through Blue Shield of California (PPO-style) and Kaiser Permanente (integrated HMO), dental coverage through Delta Dental's DeltaCare network, and vision coverage through VSP. These are complemented by supplementary services including Teladoc telehealth, CVS Caremark pharmacy, Wellvolution wellness programs, MyCatholicDoctor faith-based telehealth, and TruHearing hearing benefits. Enrollment and benefits management occur through the RetaEnroll platform (myenroll.com), with member self-service portals and mobile apps delivered by each carrier partner.
Reta Trust operates on a subscription-style recurring contribution model in which member organizations pay into the trust to fund benefits. The trust offers guaranteed funding rates with fixed annual costs, providing budget predictability for participating Catholic organizations. Go-to-market is relationship-driven and direct, with outreach to dioceses and religious orders across the Catholic network. The organization is self-governed by an elected Board of Trustees and seven committees (Investment, Finance & Audit, Ethics & Appeals, Managed Growth, Benefits Planning, Compensation, Executive), with a small executive team led by CEO Kathryne McGowan, COO Josh Costa, and CFO Deacon Aruna Silva.
Reta firmographics
Firmographics- Name
- Reta
- Legal name
- Reta Trust
- Website
- https://retatrust.org
- Company type
- Private
- Founded year
- 1976
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Ownership category
- akta.pro rank
Reta industry classification
Industry- Product category
- Self-Funded Health Benefits Trust
- NAICS
- Health and Welfare Funds (52512), Insurance and Employee Benefit Funds (5251), Funds, Trusts, and Other Financial Vehicles (525)
- SIC
- Accident & Health Insurance (6321)
- akta.pro primary industry
- Reinsurance Solutions for Group Benefits (Group Life, Group Disability, Supplemental Health) (FSAOAAAH)
- akta.pro secondary industry
- Reinsurance Pool / Facility Treaty Participation (FSAOAEAL)
Keywords
Where Reta is headquartered
LocationHeadquarters
- HQ city
- Walnut Creek
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Reta business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Self-funded health benefits contributions: Reta Trust operates as a 501(c)(9) nonprofit, self-funded health benefits trust. Member organizations pay into the trust to provide healthcare coverage for their employees, priests, and religious communities. The trust provides guaranteed funding rates offering fixed annual costs to participating Catholic organizations.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Self-funded benefit plans with guaranteed funding rates |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels4 records
Reta product offering
Product offeringCore offering
Reta Trust is a 501(c)(9) nonprofit, self-funded health benefits trust that provides group medical, dental, and vision coverage plus supplementary wellness, telehealth, and faith-based care programs exclusively to organizations listed in the Official Catholic Directory. It aggregates Blue Shield, Kaiser Permanente, Delta Dental, and VSP Vision provider networks under a unified member experience with guaranteed funding rates offering fixed annual costs to participating Catholic organizations.
Product overview
Reta Trust is a self-funded healthcare benefits trust that provides a comprehensive suite of health insurance and wellness products exclusively for Catholic organizations. The portfolio includes four core benefit products: Reta Medical Blue Shield (PPO-style medical coverage through Blue Shield of California with integrated telehealth via Teladoc Health and wellness programs), Reta Medical Kaiser Permanente (integrated HMO-style coverage through Kaiser Permanente with coordinated care), Reta Dental Delta Dental (DHMO coverage through DeltaCare network), and Reta Vision VSP Vision (vision coverage through VSP network). These are complemented by supplementary programs including pharmacy services, TruHearing hearing benefits, MyCatholicDoctor faith-based telehealth, and additional wellness services such as health screenings, Medicare consulting, nurse navigation, and clergy support programs. The product architecture functions as an aggregator model, combining third-party provider networks under a unified member experience with self-service portals and mobile apps.
Differentiator
Problem solved
Functional benefit
Products and services
- Reta Medical – Blue Shield Self-funded medical health insurance plan providing coverage through the Blue Shield of California network for employees, priests, and religious communities of participating Catholic organizations. Includes telehealth via Teladoc Health, pharmacy services through CVS Caremark, and wellness programs via Wellvolution.
- Reta Medical – Kaiser Permanente Integrated HMO-style medical plan offering coordinated care and coverage through the Kaiser Permanente network for Catholic organization members, including pharmacy services, telehealth access, and international coverage options.
- Reta Dental – Delta Dental Dental insurance coverage provided through the DeltaCare network for Catholic organization members, including preventive care, routine exams, cleanings, and access to a Delta Dental mobile app for mobile ID cards.
- Reta Vision – VSP Vision Vision care coverage through VSP's broad provider network for Catholic organization members, including eye exams, eyewear discounts, laser vision correction savings, and hearing aid benefits via TruHearing.
- Reta Faith-Based Telehealth (MyCatholicDoctor Network) Faith-based telehealth service connecting members with Catholic-aligned healthcare providers for virtual consultations and online appointment scheduling aligned with Catholic values.
- Reta Telehealth (Teladoc Health) 24/7 general medical care and daily mental health appointments via phone or video visits for Blue Shield members of Reta Trust.
- Reta Wellness Program (Wellvolution) Personalized wellness platform offering fitness programs, nutrition support, stress management, mental health resources, tobacco cessation, and healthy habit tools for Blue Shield members.
- Reta Hearing Benefits (TruHearing) Hearing aid program for VSP members of Reta Trust providing exclusive fixed-tier pricing on hundreds of hearing aid brands with local exam scheduling and personalized fitting services.
- Health Screening Program Free at-home and in-person health screening services for members of participating Catholic organizations.
- Medicare Consulting Trusted support services to help members navigate Medicare plans and benefits.
- Nurse Navigator Program Dedicated nurse coordination service to help members manage care and guide next steps in their healthcare journey.
- Religious & Clergy Program Faith-centered crisis care, consulting, and confidential support services for religious professionals and clergy members.
Companies that use Reta
Customer profileNamed customers13 records
Segments1 record
Ideal customer profiles1 record
Reta technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Reta partnerships and signals
Strategic signalPartnerships
Nine partnerships are on record, tiered core and supporting.
- Blue Shield of CaliforniacoreBlue Shield provides medical health plan coverage for Reta Trust members. Supports machine-readable files requirement under Transparency in Coverage Final Rule. Members access ID cards and coverage through Blue Shield member portal and mobile app.
- Kaiser PermanentecoreKaiser Permanente provides medical health plan coverage as an integrated care and coverage system. Members manage care through kp.org and Kaiser Permanente mobile app with access to pharmacy services and telehealth.
- Delta DentalcoreDelta Dental (DeltaCare network) provides dental coverage for Reta Trust members. Members access mobile ID cards, provider finder, and wellness resources through Delta Dental platforms.
- VSP VisioncoreVSP Vision provides vision coverage through a broad provider network. Members access eye exams, eyewear discounts, and laser vision correction savings through VSP member portal.
- Teladoc HealthsupportingTeladoc Health provides 24/7 general medical care and mental health appointments for Blue Shield members. Available via phone or video visits through Blue Shield member services.
- CVS CaremarksupportingCVS Caremark provides pharmacy services including mail-order prescriptions with 90-day supplies and home delivery for Blue Shield members.
- WellvolutionsupportingWellvolution offers personalized wellness programs for Blue Shield members including fitness, nutrition, stress management, mental health support, and tobacco cessation.
- MyCatholicDoctorcoreMyCatholicDoctor provides faith-based telehealth services through virtual consultations with Catholic-aligned providers. Supports Kaiser Permanente members with convenient online scheduling aligned with Catholic values.
- TruHearingsupportingTruHearing provides VSP members with exclusive fixed-tier pricing on hundreds of hearing aid brands through licensed local providers for exams, recommendations, and fitting.
Scale indicators3 records
Recent moves6 records
Expansion highlights5 records
Reta competitors and assessment
Company assessmentDirect peers
- Concordia Plan Services: Administers health, retirement, and disability benefits for workers of the Lutheran Church—Missouri Synod and its ministries. Operates as a self-funded benefits trust serving a denomination, structurally and functionally analogous to Reta.
- GuideStone Financial Resources: Faith-based benefits and financial services provider serving Southern Baptist churches, agencies, and ministries. Operates a health benefit trust and retirement plans with the same self-funded welfare-association structure, making it the closest analogue outside the Catholic segment.
- Christian Brothers Services: Provides employee benefit plans, retirement programs, and risk management services exclusively to Catholic religious institutes and their lay employees. Most directly comparable to Reta in mission, structure (self-funded pooled arrangement), and Catholic-only addressable market.
- Presbyterian Church (USA) Board of Pensions: Manages pension and health benefits for PCUSA clergy and lay employees through a pooled denominational trust. Comparable as another faith-based multi-employer welfare benefit arrangement with values-aligned member governance.
- Everence: Anabaptist (Mennonite/Amish) faith-based financial services and benefits organization offering health coverage, financial planning, and stewardship services to churches and members. Operates a benefits pool serving faith-aligned institutions similar to Reta's Catholic focus.
- Church Pension Group: Provides pension, health, and welfare benefits to clergy and lay employees of the Episcopal Church. Same faith-based pooled benefit trust model serving a denomination's institutions, with parallel self-funded structure and member-elected governance.
Broad incumbents
- Lockton Companies: Largest independent insurance broker globally, with a religious and nonprofit practices group that advises Catholic institutions on benefits. A secular incumbent Reta competes with for larger Catholic employers, though Lockton is a brokerage rather than a pooled trust.
- Marsh McLennan: Global insurance brokerage and advisory firm with significant faith-based and nonprofit practice. Competes for benefits advisory and brokerage engagements with Catholic employers that Reta would also target.
- Brown & Brown Insurance: Large U.S. insurance brokerage with a nonprofit and religious-organization practice. Serves as a secular incumbent broker competing for benefits advisory work with Catholic employers across Reta's geography.
Others
- CommonSpirit Health: One of the largest Catholic health systems in the U.S., formed from the merger of Catholic Health Initiatives and Dignity Health. Operates Catholic hospitals and is part of the same faith-based ecosystem Reta serves, though as a provider rather than a benefits trust.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
Reta social profiles
Digital presenceReta financial estimates
Financial estimateRevenue estimate
Valuation estimate
Reta leadership team
Management profileNumber of profiles
Profiles8 records
Reta funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Reta M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Reta
What does Reta do?
Reta Trust is a 501(c)(9) nonprofit, self-funded health benefits trust that provides group medical, dental, and vision coverage plus supplementary wellness, telehealth, and faith-based care programs exclusively to organizations listed in the Official Catholic Directory. It aggregates Blue Shield, Kaiser Permanente, Delta Dental, and VSP Vision provider networks under a unified member experience with guaranteed funding rates offering fixed annual costs to participating Catholic organizations.
Is Reta a public or private company?
Reta is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was Reta founded?
Reta was founded in 1976. It employs 1 to 10 people.
Where is Reta based?
Reta is headquartered in Walnut Creek, United States, in the North America region.
How does Reta make money?
One revenue line is on record: self-funded health benefits contributions.
Who are Reta's main competitors?
Direct peers on record are Concordia Plan Services, GuideStone Financial Resources, Christian Brothers Services, Presbyterian Church (USA) Board of Pensions, Everence and Church Pension Group. Broad incumbents are Lockton Companies, Marsh McLennan and Brown & Brown Insurance. CommonSpirit Health is listed as an others.
Does Reta have an API?
No public API is recorded for Reta.
What industry is Reta in?
Reta's product category is Self-Funded Health Benefits Trust. Its primary akta.pro industry code is FSAOAAAH, Reinsurance Solutions for Group Benefits (Group Life, Group Disability, Supplemental Health), with a secondary code of FSAOAEAL, Reinsurance Pool / Facility Treaty Participation. Its NAICS code is 52512 and its SIC code is 6321.