For District Leadership

Reclaim Control.
Redirect Resources.
Reward Your People.

Sophisticated self-funded benefit strategies designed exclusively for Texas and Oklahoma school districts with 500+ employees. Transform your healthcare spend from a liability into a strategic advantage.

“Lone Star Benefits Trust supports Texas school districts with self-funded medical plan strategy designed for stability, transparency, and long-term cost control.”
Private Consultation The Challenge

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Years

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Districts

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M+ Saved

The Current Landscape

The Fully Insured Paradox

While your district faces budget constraints, major carriers report record profits. The traditional model serves their shareholders—not your students or staff.

NYSE: UNH

UnitedHealth Group

Annual Revenue$447.6B
Net Profit$12.1B
NYSE: CI

Cigna

Quarterly Net$1.3B
Margin Expansion+18%
NYSE: CVS

CVS Health

Operating Income$1.3B+
Pharmacy Growth+24%

"The traditional fully insured model reliably generates substantial profits—for carriers, not employers."

Strategic Solutions

Four Pillars of Financial Control

Comprehensive strategies designed specifically for the unique challenges facing public school districts.

Foundation

Self-Funded Medical Plans

Eliminate carrier profit loads and premium taxes. Gain complete visibility into claims data and retain investment income on reserves.

Full claims transparency
Custom plan design
Advanced stop-loss
Optimization

340B Drug Pricing

Access federally mandated drug pricing discounts through strategic partnerships. Reduce pharmacy spend by 25-50%.

25-50%

Avg Savings

$2M+

Annual Impact

Prevention

Direct Primary Care

Unlimited primary care for a flat fee. Reduce ER utilization and improve chronic condition management.

↓40%

ER Visits

↓30%

Specialist Ref

↑85%

Satisfaction

Protection

P&C and Surety Bonds

Tailored commercial property, casualty coverage, and surety bonds for educational institutions.

Property & Casualty
Compliance Bonds
Risk Consulting
Victor

Victor

Managing Consultant

Experience

15+ Years

Public Sector Benefits

About Us

A Legacy of Stewardship

Since 1996, Lone Star Benefits Trust has served as a fiduciary partner to Texas school districts. Our reputation now extends to Oklahoma through our exclusive partnership with the Oklahoma State School Boards Association.

“Since 1996, we've worked with 200+ Texas Independent School Districts, helping leadership teams strengthen plan governance, improve financial predictability, and protect district budgets.”

We operate on a simple principle: your healthcare dollars should educate children, not enrich shareholders.

“

I had no idea this level of savings and control was possible.

— Victor, Managing Consultant

Testimonials

Trusted by District Leaders

Hear from administrators who've transformed their benefits strategy.

"Switching to a self-funded plan saved our district over $2 million in the first year."

JD

Dr. Jennifer Davis

Superintendent, TX

"The 340B program alone cut our pharmacy spend by 35%."

RM

Robert Martinez

CFO, OK

"Stop-loss protection and expert guidance gave us confidence."

ST

Susan Thompson

HR Director, TX

Private Consultation

Let's Examine Your Data

No obligation. No pressure. Just clarity. 36 months of claims history requested for accurate modeling.

Schedule Your Private Consultation

Data Requirements

36 months claims data

Time Sensitive

Analysis within 60 days

No Obligation

Analysis does not commit