Premiums

Premiums on this page and in this calculator are effective as of 10/1/2024.

The medical insurance costs per pay period (twice monthly) are provided below. These amounts are deducted from your paycheck on a pre-tax basis, however; health insurance premiums paid for a plan that includes domestic partner coverage and their kids are deducted on a post-tax basis.

Dual District Premiums: If both you and your partner are CCSD benefits-eligible employees, you may qualify for a premium discount. Read more about Dual District plans. The medical insurance costs per pay period (twice monthly) are provided below. These amounts are deducted from your paycheck on a pre-tax basis.

Supplement Premiums: Active employees may enroll in either the Spouse / Domestic Partner Supplement Plan or the Hospital Supplement Plan at no cost. Members of these plans have the option to enroll or waive dental and vision. Refer to the table below for the dental and vision rates.

*If you are a Shared Contract Employee: add $212.08 to Full-time licensed employees per-paycheck rate.

^If one partner and/or the other is not a Full-Time Licensed Employee, find the appropriate combination to the right & add the amount shown to the Dual District rate.

• Licensed & Administrator: + $0
• Licensed & Support: + $17.07
• Licensed & Police: + $37.15
• Licensed & Shared Contract: + $212.08
• Shared Contract & Administrator: + $212.08
• Shared Contract & Support: + $229.79
• Shared Contract & Police: + $249.23
• Shared Contract & Shared Contract: + $424.16

As a retiree, your medical premium is partially subsidized based on your years of service as an active CCSD teacher and the number of unused sick days you had when you retired. For more information on retiree eligibility, visit the retiree page.

Supplement Premiums: COBRA participants may enroll in either the Spouse / Domestic Partner Supplement Plan or the Hospital Supplement Plan for $752 per month. Members of these plans have the option to enroll or waive dental and vision. Refer to the table below for the dental and vision rates.

COBRA payments are managed exclusively by WEX Inc. For more information, visit the COBRA page.

If you are on an approved FMLA (Family Medical Leave Act) & will not be receiving paychecks your arrears will be collected upon your return from for any premiums owed.

Any balance owed is automatically deducted in full from your first paycheck upon your return to work. Alternatively, you may pay this directly before you return to work or set up a payment plan upon your return to work.

• Payments may be made via check, money order, or online payment. Electronic invoices are provided by request only. Checks and money orders must be made payable to Teachers Health Trust and mailed to 2950 E Rochelle Ave, Las Vegas, NV 89121.
• You have the flexibility to make multiple payments of any amount up to 15 calendar days before your return to work date (as long as the balance does not go below $0).
• Payments made within two weeks of the pay date run the risk of not being processed to your balance, which may result in a payroll deduction. In such cases, any overpayments will be refunded via a check issued by THT.
• Any remaining balance will be deducted from your first check upon returning to work.
• Once you return to work and your next paycheck is confirmed by CCSD, we can assist in creating a payment plan to pay the remaining balance. This is by request only. If you have a return to work date, expect to receive a paycheck on the next pay period, and would like to set up alternative payment arrangements, please contact our team within 72 hours.

• If you do not return to work, you must pay the entire amount due to Teachers Health Trust within 30 days of your termination date.
• Failure to pay back the missed premiums to Teachers Health Trust will result in retroactive termination of coverage to the effective date of your leave, and services incurred during your leave will not be reimbursed.

Form 1095-C is used to report certain information to the IRS and to certain states’ tax reporting agencies about individuals who are covered by minimum essential coverage to avoid State-assessed individual shared responsibility payment/penalty.

• CCSD Employees: Access your 1095C in the HCM portal. If you have trouble, contact the CCSD Employee Benefits Department.
• Other Employers: Contact your employer’s benefits department.
• Retirees: Send a request to THT via the member portal.
• COBRA members: Contact WEX Health Inc. for your 1095-C.