THT Health

What THT Health does

Teachers Health Trust (THT) is a self-funded, nonprofit health insurance plan founded in October 1983 through a collaboration between the Clark County School District (CCSD) and the Clark County Education Association (CCEA) to serve educators in Clark County, Nevada. The organization offers two medical plan designs — the copay-based Signature Plan and the HSA-eligible Advantage HDHP — bundled with pharmacy, dental, vision, $50,000 life insurance for active employees ($10,000 for retirees), and supplemental coverage. Distribution is exclusively direct and employer-sponsored: enrollment occurs through CCSD HR systems during open enrollment, within 31 days of a new hire, or through qualifying life events, with COBRA continuation and retiree pathways for those under 65 who have worked continuously since Spring 2014.

THT's distinctive technical and contracting asset is the Health Investment Program, a direct-deal provider network in which participating providers commit to priority appointment access for THT members, with most services covered at 100% and no cost to members. The network has expanded from its Fall 2023 launch in family practice, internal medicine, and pediatrics to include OB/GYN, menopause care, physical therapy, lab testing, behavioral health, and oncology. Complementing this are exclusive arrangements with Quest Diagnostics for labs (since September 2022) and Steinberg Diagnostic Medical Imaging for imaging (since April 2021), both at $0 copay for Signature members. Virtual care is delivered through MDLive (urgent care, primary care, dermatology, talk therapy, psychiatry) at $0 copay, with iOS and Android apps; in-home urgent care is delivered through Doctoroo, IncrediCare Pediatrics, and DispatchHealth. The operating platform is a standard self-funded insurance administration system with a member portal at members.ththealth.org, claims administered through UMR (EDI payer ID 39026), and HSA administration through American Fidelity. THT does not expose a public API.

Revenue mechanics flow entirely from employer and member premiums collected on a self-funded basis, where the trust — rather than a commercial carrier — assumes claims risk and pays providers directly, with employer and member contributions funding the pool. Recent product activity is concentrated in specialty and behavioral health expansion: Charlie Health Virtual IOP (February 2025), The Oncology Institute for hematology/oncology (April 2025), TruHearing for hearing care (January 2025), Aspire Behavioral Services for ABA therapy (October 2025), and One Pass Select fitness (October 2024). Leadership is Tom Zumtobel (CEO) and Andrew Helms (CFO). The organization's footprint is regional — Clark County, Nevada, plus rural Nevada and a Utah/Arizona EMI network — with no global expansion claims and no retail or marketplace channels.

Name

THT Health

Legal name

Teachers Health Trust

Website

https://ththealth.org

Company type

Private

Founded year

1983

Operating status

Operating

Headcount range

11–50 employees

Short description

Teachers Health Trust is a self-funded, nonprofit health insurance plan serving Clark County School District educators, retirees, and their dependents in Nevada with medical, dental, vision, pharmacy, life insurance, and specialty care benefits delivered through direct employer-sponsored enrollment.

Ownership category

akta.pro rank

Product category

Health Insurance

NAICS

Direct Health and Medical Insurance Carriers (524114), Health and Welfare Funds (525120)

SIC

Hospital & Medical Service Plans (6324)

akta.pro primary industry

Employer Wellness & Population Health Programs (HLAEAAAH)

akta.pro secondary industries

Primary Care & General Medicine Virtual Care (Employer-Sponsored) (HLALADAA), Population Health Outreach, Preventive Care & Screening Virtual Programs (Payer-Sponsored) (HLALACAL), Chronic Condition Virtual Care & Disease Management (Payer-Sponsored) (HLALACAE)

Keywords

• Self-funded health insurance
• Educator health benefits
• Employer-sponsored health plan
• Direct provider contracting
• High deductible health plan

Headquarters

HQ city

Las Vegas

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Personnel, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Insurance Premiums: THT operates as a self-funded, nonprofit health insurance plan where premiums are collected from CCSD educators and used to pay for healthcare expenses. The self-funded model means more of each dollar goes directly to healthcare expenses rather than to an insurance carrier's overhead.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

THT Health is a self-funded, nonprofit health insurance plan providing comprehensive health coverage to Clark County School District (CCSD) educators, retirees, and their dependents. It offers two medical plans (Signature with copay-based structure and Advantage as an HSA-eligible HDHP) bundled with pharmacy, dental, vision, life insurance, and supplemental benefits. Its distinctive Health Investment Program contracts directly with local providers for priority appointment access and $0 copays, complemented by MDLive telemedicine, in-home urgent care, behavioral health services, wellness programs, and specialty care partnerships across oncology and autism.

Product overview

Teachers Health Trust is a self-funded, nonprofit health insurance plan providing comprehensive healthcare benefits to educators in Clark County, Nevada. The portfolio consists of core health plans (Signature Plan with copay-based structure and Advantage Plan as HDHP with HSA option) that include Medical, Pharmacy, Dental, Vision, Life Insurance, and Supplemental benefits. The Health Investment Program is a distinctive direct-contracted provider network offering priority access and $0 copays at participating providers. Complementary programs include telehealth via MDLive, disease management for diabetes and behavioral health, wellness programs (nutrition, tobacco cessation, heart health, asthma), and fitness/nutrition offerings including Wondr digital weight-loss and One Pass Select gym membership. Specialty care partnerships cover oncology (TOI), autism services (diagnosis, ABA therapy, specialized dental), and in-home urgent care. The plan offers enrollment pathways for new hires, retirees, and COBRA, with Medicare transition support. Founded in 1983 through CCSD and CCEA collaboration.

Differentiator

Problem solved

Functional benefit

Brands

• Health Investment Program: An innovative healthcare access program that contracts directly with providers to offer priority appointments and reduced/no-cost services to THT members.

Products and services

• Signature Plan Primary health plan option with copay-based payment structure covering hospitalizations, physician visits, preventive care, and specialty services. Features $0 copay at Health Investment Network providers, $0 lab services at Quest Diagnostics, $0 imaging at SDMI, and preventive care at 100%. Available to active CCSD educators, retirees under 65, new hires, and COBRA participants.
• Advantage Plan High Deductible Health Plan (HDHP) option qualifying for HSA contributions. Members pay 20% coinsurance after deductible for most services, with $0 copay at Health Investment Network providers. Includes access to One Pass Select fitness benefit. Administered in partnership with American Fidelity for HSA accounts.
• Health Investment Program Direct-contracted network of Las Vegas Valley providers who commit to priority appointment access for THT members. Most services covered at 100% with no cost to members, including family practice, internal medicine, pediatrics, OB/GYN, menopause care, physical therapy, lab testing, behavioral health, and oncology. Nearly $235,000 in documented member savings.
• Pharmacy Benefits Prescription drug coverage bundled with all medical plans. Includes diabetic supplies at $0 copay, insulin products with tiered copay structure (max $20-$60 per supply period), specialty medications at $0 copay after completing two requirements from preferred specialty pharmacy, and COVID-19 coverage.
• Dental Benefits Dental coverage with two dental plan options (DPPO and DHMO). Includes in-network specialized pediatric dental providers for children on the autism spectrum, such as Summerlin Pediatric Dentistry and Crystal Dental, with ABA-based treatment approaches.
• Vision Benefits Vision coverage with two vision plan options covering eye exams and eyewear for THT members and their dependents.
• Life Insurance Group life insurance benefit included at no cost with health plan enrollment. Licensed CCSD employees receive $50,000; retirees receive $10,000.
• Supplemental Plans Additional plans that enhance existing coverage at no extra cost for members who already have insurance.
• MDLive Telehealth Telemedicine platform offering virtual urgent care, primary care, dermatology, talk therapy, and psychiatry at $0 copay for THT members. Available via iOS and Android apps and accessible to members traveling or residing outside Nevada.
• 24/7 Nurse Advice Line Free registered nurse line available 24/7 for medical advice or guidance on where to seek care. Contacts: (866) 232-4490.
• In-Home Urgent Care House call urgent care services provided through Doctoroo, IncrediCare, and DispatchHealth at $0 copay for Signature and Advantage Plan members across multiple states.
• Preventive Care Preventive care services covered at 100% for Advantage and Signature plan members when performed by in-network providers, including age and gender-appropriate screenings and wellness visits.
• Quest Diagnostics Lab Services Exclusive lab partner since September 2022. Signature Plan members have no deductible or copay for Quest lab services. Labwork must be sent to Quest to receive $0 benefit.
• Steinberg Diagnostic Medical Imaging (SDMI) Exclusive imaging partner since April 2021 with 10 locations across Las Vegas. Signature Plan members have $0 copay for SDMI imaging services with a provider referral.
• Registered Dietitian Consultations One-on-one consultations with a licensed registered dietitian (virtual, phone, or in-person) at no cost. Topics include food allergies, chronic kidney disease, heart health, and general nutrition. No limit on number of sessions.
• Tobacco Cessation Program Program providing guidance and support to quit nicotine and tobacco use, including vaping. Includes orientation, one-on-one assessment, personalized treatment plan, education, support, and possible medication therapy.
• Asthma Resources Personalized coaching by a registered nurse for adults and children living with asthma, including assistance identifying and managing triggers, medication information, and doctor communication support.
• Heart Health Program Support program helping members create a heart-healthy plan focused on controlling cholesterol, managing blood pressure, balancing blood sugar, reducing stress, staying active, and eating healthier.
• Diabetes Program Comprehensive diabetes management including pharmacy benefits for insulin ($0 copay supplies, tiered copay for insulin products), behavioral health support, nutrition support, diabetes care management with registered nurse, virtual diabetes classes, and prediabetes program.
• Prediabetes Program Five-step program including virtual prediabetes overview, dietitian consultation, certified personal trainer, nurse specializing in diabetes care, and ongoing support. Empowered! diabetes prevention program available at no additional cost.
• Behavioral Health Services Mental health and substance use services including therapy, psychiatry, crisis support, Employee Assistance Program (EAP), and Virtual IOP. No annual limits on therapy sessions. $0 copay via Health Investment Network or MDLive.
• Virtual Intensive Outpatient Program (IOP) Charlie Health Virtual IOP for members aged 11-50 providing structured, intensive care for those needing more support than weekly therapy but not inpatient treatment. Supports mental health, co-occurring substance use, mood/anxiety/personality disorders, trauma/PTSD, postpartum depression, OCD, and neurodivergence.
• Crisis Support Services 24/7 crisis resources including Crisis Line: (800) 878-6266 and Suicide & Crisis Lifeline: call or text 988, available at no cost to THT members.
• Autism Care Program Comprehensive autism spectrum disorder services including diagnosis (Dr. Michelle Zochowski-Tullio), therapy services (occupational, speech, physical therapy), behavioral health, ABA therapy through Aspire Behavioral Services, and specialized dental care.
• Autism Diagnosis and Assessment Assessment services for children under 19 through Dr. Michelle Zochowski-Tullio at $100 copay (no referral needed). Also available through Las Vegas Valley Mental Health with flat $100 copay for adolescent neuropsychological evaluation with appointments within two weeks.
• Applied Behavior Analysis (ABA) Therapy Aspire Behavioral Services provides ABA therapy for children with ASD diagnosis. Monthly copay structure based on weekly therapy hours: $30/month (0.5-10 hrs/week) to $180/month (30.5-40 hrs/week).
• Wondr Digital Weight-Loss Program Digital weight-loss program available at no cost to THT members. Science-based skills for enjoying food, reducing stress, improving sleep, and increasing energy without restrictive dieting.
• One Pass Select Fitness Membership Subscription-based fitness program providing access to gyms, boutique fitness studios, thousands of online workouts, and perk services with one monthly membership. Available starting 10/1/2024.
• TruHearing Benefit Hearing care program starting January 1, 2025. Includes annual hearing exams and hearing aid allowance covering one hearing aid per ear per year.
• The Oncology Institute (TOI) Services Oncology and hematology services through Health Investment Program starting April 1, 2025. $0 copays for hematology and oncology appointments (Advantage Plan applies).
• MyCareChoices Second Opinion Service New benefit providing access to telehealth second opinions with a specialist through MDLive.
• COBRA Coverage Continuation coverage available for members who experience qualifying life events ending employment. Enrollment window is 60 days following end date of benefits.
• Medicare Transition Support Assistance for retiring members transitioning to Medicare at age 65, including webinars covering Medicare parts, eligibility, plan options, costs, and enrollment.
• Health Savings Account (HSA) Tax-advantaged savings account available to members enrolled in the Advantage Plan (HDHP). Allows pre-tax contributions for eligible medical expenses. Administered through American Fidelity.
• Collaboration Center Foundation Partnership (Pathways Case Management) 1:1 case management assistance for educators navigating treatment, therapy, and services for those with disabilities. Connects to community services including treatment, therapy, recreation, wellness, vocational training, life skills, and educational training.
• Mobile Mammography Services Medicine on the Move mobile clinic offering primary care and mammograms at schools. Free mammogram appointments reserved at Steinberg Diagnostics for educators on specific dates.

Quantifiable outcome

• THT members utilizing Health Investment Program have saved nearly $235,000
• +3 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration26 records

Feature3 records

Partnerships

20 partnerships are on record, tiered core and minor.

• Aspire Behavioral ServicescoreStrategic or Co-development Partner · 1 October 2025Applied Behavior Analysis (ABA) therapy provider effective October 1, 2025. THT members pay one monthly copay based on weekly therapy hours ($30-$180/month). Copay structure based on 0.5-10 hours ($30) up to 30.5-40 hours ($180).
• Quest DiagnosticscoreStrategic or Co-development Partner · 1 September 2022Exclusive lab services partner since September 1, 2022. Signature Plan members have no deductible or copay for lab services performed by Quest Diagnostics. Any lab work performed by other providers is the member's full financial responsibility.
• Steinberg Diagnostic Medical Imaging (SDMI)coreStrategic or Co-development Partner · 1 April 2021Exclusive imaging services partner since April 1, 2021. Signature Plan members have no deductible or copay for imaging services performed by SDMI with a provider referral. SDMI operates 10 locations across Las Vegas.
• MDLivecoreTechnology or IntegrationTelemedicine provider offering virtual urgent care, primary care, dermatology, talk therapy, and psychiatry at $0 copay for THT members. Available to members traveling or residing outside Nevada.
• Behavioral Healthcare Options (BHO)coreImplementation/ SI/ Consulting PartnerConducts monthly behavioral health webinars for THT members covering topics including stress management, parenting, mindfulness, and emotional intelligence. Manages Employee Assistance Program (EAP) with 5 free therapy sessions per year.
• Charlie HealthcoreStrategic or Co-development PartnerVirtual Intensive Outpatient Program (IOP) partner offering structured mental health care for members aged 11-50. Joined network February 1, 2025. Supports individuals with mental health, co-occurring disorders, mood disorders, trauma/PTSD, and neurodivergence.
• Dr. Michelle Zochowski-TulliocoreImplementation/ SI/ Consulting PartnerAutism assessment provider for children and adolescents. THT members pay $100 copay for initial workups and care plans. Provider committed to offering appointments within two weeks. No referral necessary.
• Collaboration Center FoundationcoreStrategic or Co-development PartnerDisability advocacy partner offering 1:1 case management assistance, access to community services through referral partnerships including treatment, therapy, recreation, vocational training, and educational support. THT members can request Pathways Case Management support at no charge.
• The Oncology Institute (TOI) of Hope & InnovationcoreStrategic or Co-development PartnerOncology and hematology services partner added April 1, 2025. THT members receive $0 copays for hematology and oncology appointments (Advantage Plan applicable).
• TruHearingminorStrategic or Co-development PartnerHearing care partner effective January 1, 2025. Includes annual hearing exams and hearing aid allowance covering one hearing aid per ear annually through TruHearing's network of providers.
• One Pass SelectminorChannel Partner/ Reseller/ DistributorGym and fitness membership program partner effective October 1, 2024. Provides access to gyms, boutique fitness studios, thousands of online workouts, and wellness perks with one monthly subscription.
• Wondr HealthminorStrategic or Co-development PartnerDigital weight-loss program available at no cost to THT members. Science-based skills program teaching mindful eating habits without traditional dieting. Includes recipes, meal planning, and stress management components.
• Medicine on the MoveminorStrategic or Co-development PartnerMobile health van partner bringing primary care and mammograms directly to schools. Partnership with Optum Care Mobile Medical Center to serve THT members at school locations.
• Summerlin Pediatric DentistryminorImplementation/ SI/ Consulting PartnerIn-network dental provider specializing in treating children on the autism spectrum using ABA techniques. Accepts DPPO plan.
• Crystal DentalminorImplementation/ SI/ Consulting PartnerIn-network dental provider specializing in treating children on the autism spectrum. Accepts both DPPO and DHMO plans. Dr. Aghakhani and Dr. Mack take time with each patient for enjoyable visits.
• DispatchHealthcoreStrategic or Co-development PartnerIn-home urgent care provider offering medical care at members' homes in multiple states. Available at no cost to THT members through the Health Investment Program.
• DoctoroocoreStrategic or Co-development PartnerIn-home and mobile urgent care provider serving Las Vegas, Reno, and Carson City. Available at $0 copay for Signature and Advantage Plan members through Health Investment Program.
• Incredicare PediatricscoreStrategic or Co-development PartnerMobile pediatric care provider serving Las Vegas area. Available at $0 copay for THT members through Health Investment Program. Provides at-home urgent care for children.
• Nevada Pediatric Access LineminorImplementation/ SI/ Consulting PartnerResource connecting providers and families to determine best treatment protocols for children at no additional charge. Works with pediatricians and family doctors upon provider request.
• Families for Effective Autism Treatment (FEAT)minorStrategic or Co-development PartnerNon-profit organization of parents and professionals helping families with children diagnosed with autism spectrum disorder. Offers support groups, events, and community connections. Monthly support meetings held first Monday of each month.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Others

• BeneSys: Third-party administrator specializing in Taft-Hartley and labor-management trust health and welfare funds. Adjacent to THT as a partner/administrator serving the same employer-union trust ecosystem.

Broad incumbents

• Kaiser Permanente: Integrated, vertically integrated payer-provider offering employer-sponsored plans with strong behavioral health and population health management capabilities. Comparable as a large, integrated alternative for employer health benefits including public-sector employers.
• Anthem Blue Cross Blue Shield Nevada: Major commercial insurer offering employer-sponsored and individual plans in Nevada. Represents the broader competitive set THT must contend with for educator benefits and adjacent employer groups in the state.
• CalPERS Health Program: California public employees' retirement system health program offering self-funded and HMO options to state and public agency employees including educators. Comparable as a large public-employer health plan though serving a much broader population than THT.
• UnitedHealthcare (UHC): Largest US health insurer offering commercial employer-sponsored plans, behavioral health (Optum/UHC), and Medicare products. Comparable as the broader incumbent that THT's partners (UHC Behavioral Health, MDLive for UMR claims) operate within.

Direct peers

• Public Employees Health Plan (PEHP): Utah's nonprofit health plan serving public employees, including public school educators, through a self-funded model. Comparable to THT in its trust-style governance, public-sector employer anchor, and comprehensive medical/dental/vision benefit stack.
• Educators Mutual Insurance Association: Utah-based mutual insurer focused on educators and public employees, providing health, life, and disability benefits. Comparable to THT in its educator-centric mission and self-funded/employer-sponsored delivery model.
• Hawaii Employer-Union Health Benefits Trust Fund (EUTF): Hawaii state-administered trust providing health and life insurance benefits to public employees, retirees, and their dependents, including DOE educators. Closely mirrors THT's employer-union sponsored trust model with similar governance and benefit scope.
• TRS-ActiveCare: Texas educator-focused health plan administered for public school employees and their dependents. Highly comparable to THT given its self-funded structure, exclusive employer (TRS) anchor, and educator-targeted benefit design across a large state population.

Regional players

• Hometown Health: Nevada-based regional health plan serving northern Nevada and adjacent areas. A regional competitor operating in THT's home geography with overlapping commercial and Medicare Advantage offerings.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/ththealthplan

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about THT Health