Welcome, New Hires & Rehires!

As a new hire with Teachers Health Trust (THT), you have a 31-day window from your hire date to enroll in health benefits. If you don’t enroll within this period, you’ll be automatically enrolled in the Signature Medical Plan, Dental HMO Plan, and Vision Standard Plan, with coverage starting the first day of the month after your hire date

​Once you enroll in a health plan through Teachers Health Trust (THT), you generally cannot change or cancel your coverage outside of the annual Open Enrollment period unless you experience a Qualifying Life Event (QLE).

If you’re a new member of Teachers Health Trust (THT), your ID cards should arrive within 14 days after your enrollment is processed. You can also access and print digital versions through by visiting the respective carrier websites:

• Medical ID Cards – UMR.com
• Dental ID Cards – my.cigna.com
• Vision ID Cards – no card is required

For any concerns or to confirm the status of your ID cards, please contact THT’s member services at (702) 794-0272. ​

The best way to contact THT Member Services is:

• By phone: (702) 794-0270 Monday – Friday, 8am – 5pm (Closed on major holidays)​

• Online: You can contact a THT Member Services agent by sending a message through the Member portal.

• Virtual Appointments: You can also schedule a one-on-one meeting with a THT representative for personalized help.

Getting the right care at the right place helps manage your health and avoid unnecessary costs. If you’re unsure what type of provider or facility you need, here’s what you can do:

1. Use the NurseLine  – THT offers a 24/7 nurse hotline to help assess symptoms and recommend the appropriate care level.

2. Start with your Primary Care Provider (PCP) – They can evaluate your condition and refer you to a specialist if needed.

3. Check the Find Care page – The provider search tool can help you explore options by specialty or facility type.

4. Call Member Services – They can help you find providers and facilities (e.g., primary care, urgent care, specialist, ER) anywhere in the US.

​Yes, Teachers Health Trust (THT) offers telehealth services through MDLive, providing virtual access to various healthcare professionals, including primary care physicians, dermatologists, therapists, and psychiatrists.

For Signature Plan Members:

• Cost: $0 copay for telehealth services

For Advantage Plan Members:

• Cost: 20% coinsurance after the deductible is met.

To find out if a service is covered before you receive it:

1. Call Member Services – They can confirm coverage, eligibility, and any required pre-authorization.

2. Check your Summary Plan Description (SPD) – It outlines what services are covered, excluded, or require approval. For your specific SPD, visit the URL or scan the QR code on your medical ID card.

To find out if a provider is in-network with THT:

1. Visit www.ththealth.org

2. Click on “Find Care”

3. Follow the prompts and choose the appropriate network based on your plan and location.

4. Search by name, specialty, or location.

You can also call Member Services for help confirming if a provider is in-network.

We also offer Providers at $0 and reduced copays.

​Yes, as a member of Teachers Health Trust (THT), you have access to several wellness incentives, including gym memberships and mental health resources. Go the “Resources” section of our website in the top navigation to learn more.

If you’re transferring to a different school with the same employer and remain a licensed employee, no action is needed.

However, if your new employer does not offer THT coverage, or if you’re leaving CCSD entirely, you may be eligible for COBRA continuation coverage to temporarily maintain your health insurance:

You must enroll within 60 days of your benefits ending.

Contact THT for details about COBRA, including costs and how to enroll.

Copay:

• What it means: A set amount you pay each time you get a certain service.
• Example: You go to the doctor and your copay is $15. That means you only pay $15 at the front desk, even if the full visit costs $150. THT pays the rest. Typically, any service that has a copay does not require that you meet your deductible first before THT pays.

Deductible:

• What it means: The amount you pay before your insurance starts helping.
• Example: Let’s say your deductible is $500. One day, you trip and need to go to the emergency room. The bill is $4,000. You pay the first $500 because that’s your deductible. After that, your insurance helps pay a percentage of all remaining charges (typically, THT pays 80%. Refer to your plan benefits for specific cost-shares.)

Coinsurance:

• What it means: A percent you pay for care after you’ve paid your deductible.
• Example:You already paid your $500 deductible. Now you need a medical test that costs $1,000. If your coinsurance is 20%, you’ll pay $200 (that’s 20% of $1,000), and your insurance pays the other $800.

You’ll need to provide proof of eligibility and a Social Security number for each dependent. Documents in other languages must be translated into English. For the full list, visit: Required Documents

The medical network you have access to is determined by the zip code we have on file. Update ZIP codes for yourself and any dependents in the member portal so we can properly process your claims. Our Dental and Vision networks are nationwide.

Learn More: Out of Area Benefits