Teachers Health Trust

What Teachers Health Trust does

Teachers Health Trust (THT) is a self-funded health insurance plan administered exclusively for the educators and eligible retirees of Clark County, Nevada, founded in 1983 and headquartered in Las Vegas. THT operates under an employer-partnership model with the Clark County School District (CCSD), the 5th largest school district in the United States, under which new licensed CCSD employees are auto-enrolled within 31 days of hire if they do not actively elect coverage, and open enrollment occurs annually each August. Retirees under 65 who have worked continuously since Spring 2014 are also eligible, providing a defined but bounded membership base tied directly to CCSD employment.

The core product set comprises Medical Benefits (two plan options — Signature and Advantage), integrated Pharmacy Benefits, Dental, Vision, and Life Insurance ($50,000 for active employees, $10,000 for retirees at no additional cost). Plan administration is built on third-party infrastructure: UMR (UnitedHealthcare) handles claims processing and out-of-area coverage via the UHC Choice Plus network, and EMI Health provides rural Nevada / Utah / Arizona access. In Clark County, members access care through the Sierra Healthcare Options (SHO) network of 10,389 medical providers and the Behavioral Healthcare Options (BHO) network of 2,916 behavioral health providers. The platform extends with a member portal (members.ththealth.org), a Premium Calculator tool, MDLive telehealth, a 24/7 Free Nurse Line, and a layered ecosystem of add-on programs including the Health Investment Network ($0 copay providers with extended hours), Wondr Health digital weight management, OnePass Select fitness memberships, free registered-dietitian nutrition support, a bariatric surgery program ($5,000 copay), and the Health Improvement Reimbursement benefit (up to $50/year).

THT is a privately held, non-traded trust with no venture capital backing and a lean 19-employee operating team. Revenue mechanics operate as a self-funded trust: CCSD and member premium contributions are pooled and used to pay healthcare claims directly, with the self-funded structure positioned to direct a higher share of contributions toward care rather than carrier overhead or profit. Marketing and member engagement rely on the company website, email newsletters, community events, webinars (including Medicare education, new-hire enrollment, and behavioral health), and a Linktree-curated social presence. Strategic depth is concentrated in ecosystem partnerships — most prominently with UMR, SHO/BHO, Albertsons Pharmacy, Wondr Health, OnePass Select, the Collaboration Center Foundation, Desert Valley Pediatrics, and Astrana Care — which together define the member experience rather than any internally developed technology stack.

Name

Teachers Health Trust

Legal name

Teachers Health Trust

Website

https://teachershealthtrust.org

Company type

Private

Founded year

1983

Operating status

Operating

Headcount range

11–50 employees

Short description

Teachers Health Trust is a self-funded health insurance plan, founded in 1983, that administers medical, dental, vision, pharmacy, and life benefits exclusively for Clark County School District educators and eligible retirees in Nevada. The trust relies on third-party administrators and a curated regional provider network to deliver its benefits.

Ownership category

akta.pro rank

Product category

Group Health Insurance (Education Sector)

NAICS

Health and Welfare Funds (525120), Health and Welfare Funds (52512), Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292)

SIC

Hospital & Medical Service Plans (6324), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Student Health Insurance & Benefits Administration (EDALAFAL)

akta.pro secondary industry

Student Health Insurance Plans (University-Sponsored) (FSAIAFAI)

Keywords

• Self-funded health insurance
• Educator health benefits
• Group medical plans
• Health benefit administration
• Employee benefits trust

Headquarters

HQ city

Las Vegas

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Premium Contributions: THT operates as a self-funded insurance plan where CCSD and member premium contributions fund healthcare expenses. This model directs more dollars toward healthcare expenses than typical insurance carriers would, providing reduced costs for members.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Teachers Health Trust is a self-funded group health insurance plan administered exclusively for licensed Clark County School District employees, their dependents, and eligible under-65 retirees. It sells medical coverage (Signature and Advantage plan options), integrated pharmacy, dental, vision, term life insurance, supplemental plans, and a portfolio of wellness programs including behavioral health, weight management, nutrition counseling, and fitness memberships. Plan administration is delivered through third-party administrators UMR and EMI Health, while members access care through the Sierra Healthcare Options and Behavioral Health Options provider networks in Clark County, Nevada.

Product overview

Teachers Health Trust is a self-funded insurance plan serving educators of Clark County, Nevada since 1983. The core offering consists of Medical Benefits (two plan options: Signature and Advantage) integrated with Pharmacy Benefits, accompanied by Dental Benefits, Vision Benefits, and Life Insurance. The portfolio includes supplemental and add-on modules such as the Health Investment Network ($0 copay providers), Health Improvement Benefit ($50 annual reimbursement), Nutrition Support (free dietitian sessions), OnePass Select (gym membership), Wondr Digital Weight Loss Program, and Surgical Weight Loss Program. Behavioral health coverage is provided through Behavioral Health Options (BHO) with access to 2,916 providers. Additional member services include a Free Nurse Line (24/7), MDLive urgent care telehealth, and a Premium Calculator tool. The plan utilizes Sierra Healthcare Options (SHO) medical network with over 10,389 providers for Clark County members.

Differentiator

Problem solved

Functional benefit

Products and services

• Medical Benefits Comprehensive medical coverage with two plan options (Signature and Advantage) for licensed CCSD employees and their dependents, providing access to the Sierra Healthcare Options (SHO) medical network of over 10,389 providers in Clark County and UHC Choice Plus out-of-area coverage.
• Dental Benefits Dental coverage with two plan options for CCSD educators and dependents covering preventive and restorative dental care services.
• Vision Benefits Vision coverage with two plan options for eye exams, eyewear, and related vision care services for THT members.
• Pharmacy Benefits Prescription drug coverage integrated with all medical plans, providing access to covered retail and mail-order pharmacies and medications for THT members.
• Life Insurance Term life insurance benefit: $50,000 for licensed active CCSD employees at no cost and $10,000 included with the retiree health plan.
• Supplemental Plans Add-on coverage plans that enhance members' existing insurance at no extra cost, designed for those who already have primary insurance.
• Health Investment Network Curated network of providers offering $0 copays and extended hours for covered services to THT members, including Desert Valley Pediatrics and Astrana Care primary care.
• Health Improvement Benefit Annual reimbursement of up to $50 per calendar year for health club membership fees, tobacco prevention, personal training, and weight management support group fees.
• Nutrition Support One-on-one sessions with registered dietitians at no cost with no limit on sessions, delivered through THT's Health Education and Wellness program.
• OnePass Select Subscription-based fitness program offering access to gyms, boutique fitness studios, and thousands of online workouts under one monthly membership for THT members.
• Wondr Digital Weight Loss Program Clinically-proven digital weight-loss program teaching behavioral science-based skills to lose weight, sleep better, and reduce stress, available at no cost to THT members 18+.
• Surgical Weight Loss Program Bariatric surgery coverage for Sleeve Gastrectomy, Duodenal Switch, and Gastric Bypass procedures with a $5,000 copay for eligible THT members (BMI over 40, 1-year membership).
• Behavioral Health Options (BHO) Behavioral health network providing access to 2,916 behavioral health providers, monthly webinars, and mental health support services for THT members and CCSD educators.
• Free Nurse Line 24/7 registered nurse hotline available at no cost to THT members for clinical advice and guidance on appropriate care settings.
• Urgent Care / MDLive Telehealth urgent care service delivering virtual medical consultations to THT members as a lower-cost alternative to emergency rooms.

Quantifiable outcome

• Members can save over $600 by choosing urgent care over emergency rooms
• +1 more outcomes

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Seven partnerships are on record, tiered minor and core.

• Albertsons PharmacyminorStrategic or Co-development Partner · 8 August 2026Partnership to provide back-to-school vaccinations on August 8, 2026 at THT office. Vaccinations covered at 100% for THT members. Non-members also welcome.
• Sierra Healthcare Options (SHO)coreTechnology or IntegrationProvider network partnership for medical services in Clark County. THT members have access to 10,389 medical providers and 2,916 behavioral health providers through SHO and BHO networks.
• UMR (United Healthcare)coreTechnology or IntegrationThird-party administrator handling claims processing for THT. Provider portal available at member.umr.com. EDI Claims Payer ID: 39026. Paper claims submitted to PO BOX 30541, Salt Lake City, UT 84130-0541.
• OnePass SelectminorStrategic or Co-development PartnerGym membership program providing access to gyms, boutique fitness studios, thousands of online workouts. THT members can sign up for subscription-based membership with various tiers.
• Wondr HealthminorStrategic or Co-development PartnerDigital weight loss program available at no cost to THT members 18+. Clinically-proven behavioral science-based program teaching skills to lose weight, sleep better, and stress less.
• Behavioral Healthcare Options (BHO)coreStrategic or Co-development PartnerBehavioral health network conducting monthly webinars for THT members. Offers CEU-approved professional development training for educators. Contact: 702-243-4682.
• Collaboration Center FoundationminorStrategic or Co-development PartnerPartnership to advocate for educators to receive support, guidance, and assistance navigating treatment, therapy, and services for behavioral health needs.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Emerging players

• Collective Health: Technology-first third-party administrator for self-funded employer health plans. Comparable to THT as a self-funded administrator model serving captive employer populations, but at larger scale and with proprietary digital infrastructure.
• Centivo: Health plan administrator focused on self-funded employer groups with provider steerage and primary-care-centric models. Represents the modern, technology-enabled alternative a school district could weigh against a traditional trust like THT.

Broad incumbents

• Anthem: Major national health insurer with significant public-sector and educator group business. A credible alternative carrier THT could face in a competitive bid against CCSD.
• Blue Cross Blue Shield: National federation of health insurers offering fully-insured and ASO group plans to public-sector employers. A standard alternative THT would compete against in any CCSD RFP or similar district procurement.
• Aetna (CVS Health): Large national carrier offering fully-insured and self-funded group health plans, frequently used by public employers and school districts. Comparable as a potential competing offering for self-funded educator populations.
• Cigna Healthcare: Global health services company with substantial U.S. employer group health business. Comparable to THT in serving large self-funded employer groups, with deeper scale and broader network leverage.
• UnitedHealthcare (UMR): Largest U.S. health insurer and parent of UMR, which already serves as THT's claims TPA. UnitedHealthcare is the most direct competitor if CCSD ever moved to a commercial carrier, and a direct counterparty in THT's operating stack.
• Kaiser Permanente: Integrated payer-provider system offering group health plans to public employers and educators. A potential alternative for CCSD-style employer-sponsored coverage, though primarily regional.

Direct peers

• CalPERS Health Benefits: California Public Employees' Retirement System administers self-funded health benefits for 1.5M+ public employees, retirees, and dependents. One of the closest structural analogs to THT as a public-sector self-funded health benefits program.
• NEA Member Benefits: Insurance and benefits program offered by the National Education Association to public-school educators nationwide. Comparable in mission (educator-focused benefits) and in offering insurance products beyond medical, though distributed nationally.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/teachers-health-trust

Revenue estimate

Valuation estimate

Number of profiles

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 Teachers Health Trust