California’s Valued Trust (CVT) is dedicated to actively finding new ways to help manage the spiraling costs that often impact retirees the hardest. We believe that the dedicated career service of teachers and school employees should be rewarded with the security of manageable healthcare costs, which is why we offer special options for district retirees. CVT offers District-paid and Self-paid retiree coverage for eligible members.

At CVT we are proud of our service to the education community in California and pleased to have you as a member of our more than 158,000 participants. CVT serves districts and chapters throughout the entire state of California including both rural and urban regions. We provide benefits to active and retired classified, certificated, management/confidential employees and trustees.

This section is intended to help you get the most out of your benefits and put information at your fingertips. As a member of CVT brings you many different partners who are leading carriers in the healthcare industry. If you can’t find what you are looking for or just want to talk to a human being, we have a whole team of very skilled staff members who are here to help you with any questions you may have. Just contact:

CVT’s Member Services at 800-288-9870 or email at


District-paid Retirees

District- paid retirees are those retired employees of a newly participating group or existing participating group who may enroll as a District-paid retiree when so determined by the school district. Retirees may select from the same health plans available to the active employees in the unit they retired from. However, the final plan selection is determined by their "retirement contract" through the school district. CVT has provided guidelines to help District-paid retirees understand the basics of their coverage. Click on the link below:

District Paid Retiree Guidelines: Health, Dental, Vision (PDF)


Self-paid Retirees

Self-paid retirees are retired employees of a newly participating group or subscribers who retire from a CVT participating group. These retirees may enroll directly with the Trust as a Self-paid retiree when their status as a District-paid retiree ends. Individuals may also enroll as a CVT Self-paid retiree if they qualify as a retiree under PERS or STRS or are the surviving spouse/partner of a District-paid or Self-paid retiree.  For a review the Self-Paid Retirees Guidelines, click on the link below:

Self Paid Retiree Guidelines: Health, Dental, Vision (PDF)

Pre-Authorized Payment

Retirees pre-authorize payment of their monthly premium. Simply click on the link below, download and complete the form. Then attach a voided check from your bank or credit union and mail to California’s Valued Trust, 520 E. Herndon Ave., Fresno, CA 93720.

Automatic Payment Plan Authorization (PDF)


SilverScript Insurance Company is the Medicare Part D Prescription drug coverage provider for all eligible CVT PPO members.  SilverScript, an affiliate of CVS/caremark, is an approved Medicare Part D Prescription Drug Plan provider. Please feel free to contact CVT Member Services  at 800.288.9870 with any questions you may have. You can also view SilverScript Plans by clicking on the following link SilverScript



To learn more about retiree benefits and eligibility contact CVT Member Services at 800.288.9870.

Or click one of the topics below to get more information.

1. Who Do I call

From time to time you may wish to call and ask questions about your benefits, options and other matters.  Who do you call for what type of information?  This section should help you find the right source. 

California’s Valued Trust

You should call CVT when you have questions about the following:

  • Eligibility questions
  • Replacing or requesting an additional ID card
  • Retiree health benefit coverage questions
  • COBRA coverage, (continuing benefit coverage through CVT, after terminating employment)
  • Insurance carrier phone numbers, not listed on your
  • insurance card(s)

CVT has a toll-free line available which is answered Monday-Friday, 8 am to 5 pm.  CVT operates without a “phone tree” and every call is answered by a receptionist and forwarded to the requested person or member services representative assigned to your district or chapter.  You can also leave a message to our answering machine after normal business hours.  Members may also email CVT anytime at

2. Membership Information

PPO Identification Card – Need help understanding your member ID card. Click on the link below that pertains to your provider:  Anthem Blue Cross or Blue Shield of California for a useful sheet that will help you.

Change of Address

To ensure the receipt of important documents regarding your benefits, please contact CVT and provide your updated contact information. In addition, you may send your changes in writing to our office by mail, fax, or email to Please include your name, ID number, new address, phone number (if applicable) and signature of the subscriber.

Do we have your Email?

We often send special added value services via email. If you have not provided CVT with your email you can call Member Services at 800-288-9870 and provide your email address. Only our authorized partners such as MDLIVE are allowed to send you information. They send special coupons and incentives that many members appreciate.

3. Forms

From time to time you may need a claim form or change your address. We have assembled all the forms in one convenient location, click on the link below:


4. Useful Links

There are times when you might have to call one of our provider/partners. We have put together a complete list of phone numbers.  To view the list, click on the link below:

Useful Links

5. Helpful Resources

In addition to forms, brochures and videos about your Medical and Pharmacy benefits, you will find other resources that may be of interest or help to you, these include:

Webinars- Healthcare Reform, Understanding your PPO plan and Pharmacy benefits are available.  Click on the link:


Newsletters – CVT publishes a quarterly newsletter for members and retirees which will keep you completely up to date on plan changes, our added value programs, CVT news of interest, incentive programs and more. The newsletter is called The Trustline and it will be mailed to your home.  Recent issues are available at:


Heath Insurance Glossary? –  Not sure what a term means? Click on the link below to find a comprehensive list of terms and their definitions.

Heath Insurance Glossary (PDF)


6. Added Value Services

CVT offers a number of free or low-cost programs to eligible retirees.  These programs include:

Beacon Health Options Employee Assistance Program (EAP) - EAP is provided at no cost to all CVT retiree subscribers with medical coverage. Employees and their family members can receive free, confidential assistance to help with personal and professional goals, manage daily stresses and develop fulfilling relationships. Benefits include counseling, legal and financial services.  For more click on the link below:

Beacon Health Options Employee Assistance Program

Fit for Life Wellbeing Program - This is a CVT initiative designed to provide our retirees with healthy lifestyle opportunities. CVT, in partnership with our vendors, provides health and wellness services including district-wide, on-site biometric health screenings, flu shot clinics and seminars on various topics. For information click on the link below:

Fit for Life Wellbeing Program


Medical Conditions

As a PPO or HDHP plan subscriber or eligible dependent, you can use MDLIVE® for around-the-clock on-demand access to a national network of board-certified doctors who can diagnose, recommend treatment, and prescribe medication, if appropriate. With MDLIVE®, you can speak to a doctor anytime, anywhere through secure video or phone. You can turn to MDLIVE® if you are considering the emergency room or urgent care for non-emergency issues when your primary care physician is not available. MDLIVE® can help you when you're at home, at work, or on-the-go. While MDLIVE is not intended to replace your primary care doctor, a virtual doctor's appointment can often be a faster, more affordable, and more convenient alternative to a trip to a doctor's office, urgent care, or the emergency room.

Access MDLIVE for $0 copay any time for most Anthem Blue Cross and Blue Shield PPO plans and Sutter Health | Aetna PPO. Anthem Blue Cross and Blue Shield HDHP and Sutter Health | Aetna HSA Plans are subject to deductible/coinsurance.

Behavioral Health Services

MDLIVE®'s caring counselors and psychiatrists are always ready to listen. CVT offers PPO members (non-Medicare) MDLIVE®' Behavioral Health, virtual behavioral health services that give you access to caring, compassionate counselors, and psychiatrists by appointment via secure video. MDLIVE®' Behavioral Health provides affordable, confidential virtual treatment for a variety of behavioral health needs such as depression, anxiety, trauma and loss, substance use and more.

In most cases, Behavioral Health consultation fees are the same as your physician office visit. Payment will be collected at the time of your consultation. For your convenience, MDLIVE®' will accept debit cards and most major credit cards.

Activate Your Account Today!

Activate your MDLIVE®' account by calling (888) 632-2738 or registering at Or download the MDLIVE® App for IOS, Android or Windows at Then you can speak to a doctor, therapist or psychiatrist from home, office, or on the go. How cool is that? We just need some basic medical history information, and you're good to go. Do it now, because it's easier that when you're sick.

The service is secure, confidential and compliant with all medical privacy regulations.

7. Healthcare Literacy

CVT is committed to helping you wade through the complex and confusing world of healthcare.  At CVT, we invest time and resources into the education of our members because we believe knowledge is a powerful medicine.  Below you will find several links that will provide you with educational materials that can help you.

Know Your CVT Benefits – A brochure series and a video collection that provides basics about Healthcare costs, medical plan choices, PPO Pharmacy benefits, finding non- emergency care and ways to save on health care.  To see and/or download these, click on the link below:

Know Your CVT Benefits

8. Other Resources and Information

The programs and links above are just a few of the many resources CVT provides to our retirees. We encourage you to search this website for more information about CVT. You can see our administrative team and the history of CVT.

Just remember if you need help, don’t hesitate to call CVT Member Services at 800-288-9870 or email at

We are available Monday-Friday. 8:00 pm – 5:00 pm. If you call at other times, you can leave a message. Please leave your name, phone number, and the best time to call you back. Your member services representative will call you back the next business day.