Already have medical insurance? You may qualify for additional financial benefits through Teachers Health Trust at no additional premium.
Supplemental Coverage
Supplement Plans
THT offers two supplement plans that provide different types of financial support. The Hospital Supplement Plan pays a fixed cash benefit for qualifying facility stays or visits, while the Spousal Supplement Plan reimburses eligible in-network medical and pharmacy expenses under a spouse or partner’s qualifying insurance.
These plans are not comprehensive medical insurance and do not replace a medical plan.
Members on these plans can select a dental and/or vision plan (additional premium may apply) or waive dental and/or vision.
Hospital Supplement Plan
You will get reimbursed $500 per day for each day you’re hospitalized or under 24-hour observation, up to an annual maximum of $10,000.
Who is Eligible?
- Active/suspended employees
- Dependents
- COBRA participants
- Retirees are not eligible.
Cash Benefit
- $500 per day for eligible facility stays or visits
- Up to $10,000 per calendar year
Eligible Facilities
- Hospitals, including inpatient, outpatient, emergency room, and observation services
- Ambulatory surgical facilities
- Skilled nursing and rehabilitation facilities
- Hospice and dialysis facilities
- Mental health facilities
What's Not Covered?
- Non-facility stays (e.g., office visit or home visits)
- Non-itemized or untimely submissions
How to Enroll
Enroll in the Hospital Supplement Plan during Open Enrollment or an eligible special enrollment period following a Qualifying Life Event. You must waive THT medical coverage to participate.
How to Receive your Benefit
- Gather your documentation. Obtain an itemized facility or hospital bill, charge sheet, or Explanation of Benefits (EOB).
- Submit your claim. Upload your documentation (in its entirety) through the THT Member Portal within 12 months of discharge by selecting “Submit a support ticket”.
- Receive your payment. Claims are processed within 60 days, and approved benefits are paid directly to participants.
Optional Dental and Vision Coverage
Additional premiums may apply for dental or vision coverage.
Spousal Supplement
If you’re covered as a dependent under your spouse or partner’s qualifying medical insurance, THT can reimburse eligible in-network medical and pharmacy expenses for you and any eligible dependents covered under that plan.
Who Is Eligible?
- Active or suspended employees covered as dependents under a spouse or partner’s qualifying insurance plan
- Eligible dependents who are also covered under that insurance plan
- Eligible COBRA participants
Important Eligibility Restrictions
- Employees and dependents covered under a qualified High-Deductible Health Plan (HDHP) are not eligible. If you’re unsure whether their plan is an HDHP, check with their insurance company or benefits department.
- Your spouse or partner’s insurance cannot be a THT or CCSD plan.
- Retirees are not eligible.
What's Included
THT reimburses eligible in-network copays, deductibles, and coinsurance for medical and pharmacy services covered by your primary insurance plan.
Optional Dental and Vision Coverage
Additional premiums may apply for dental or vision coverage.
How to Enroll
- Step One: Select your plan – Enroll in the Spousal Supplement Plan during Open Enrollment or an eligible special enrollment period following a Qualifying Life Event. You must waive THT medical coverage to participate.
- Step Two: Provide your enrollment documents – In your member portal dashboard, select “Submit a support ticket” to submit the following required documentation:
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Copy of a Certificate of Coverage (COC) from your spouse’s or partner’s insurer, or a completed THT Attestation Form confirming that you meet the Spousal Supplement Plan’s eligibility requirements.
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Front AND Back copy of primary medical insurance ID card
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Copy of marriage certificate
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Copy of children’s birth certificates, if applicable
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Medical Reimbursement Process
Upload your Explanation of Benefits (EOB) in its entirety through the Member Portal by visiting selecting “Submit a support ticket”. For your first submission, include a copy of the primary medical ID card.
Pharmacy Reimbursement Process
Please give your Coordination of Benefits card to the pharmacy along with your primary insurance card. The pharmacy will run your claim through your primary insurance, and then through Teachers Health Trust. You should not owe anything for prescriptions that are on the primary’s formulary.
If for any reason the pharmacy benefit does not coordinate, please submit the pharmacy receipt for reimbursement along with a description, pharmacy name, and direct reimbursement form by visiting the member portal and selecting “Submit a support ticket”. Documents must be uploaded within 12 months of date on receipt.
