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Proud Partner of NREA, The National Rural Education Association.
The Health Insurance Partner For Rural School Districts & Teachers
Apollo is committed to Positively Impacting Rural School Districts Across The Country
• Better Coverage for Educators
• Innovative, Proven Strategies
Superintendents & Teachers Across America Choose Apollo
Discover how Amy, a mother and teacher, found life-changing support from Apollo in securing affordable, comprehensive coverage.
How We Serve School Districts
Rethinking Benefits for Rural School Districts
Superintendents in rural communities face a distinct challenge every year: rising health insurance premiums that strain tightly capped budgets, often competing directly with classroom funding. With fewer local carrier options, managing these costs while supporting your staff can feel like an impossible balancing act. At Apollo, we help rural school districts break that cycle. Our team designs alternative funding strategies that protect your bottom line while ensuring educators receive the high-quality coverage they deserve.
You don’t have to choose between institutional sustainability and your staff’s well-being. We work alongside district leadership to modernize your health benefits, keeping premiums predictable, sustainable, and tailored to the unique realities of rural communities.
Strategic Health Coverage for Educator Families
Finding affordable health coverage for your family shouldn’t be a financial burden. In many rural districts, high dependent costs can price families out of the local group plan. We specialize in a different approach: helping educator families transition spouses and children into highly affordable individual marketplace plans, while keeping the core employee group coverage intact. At Apollo, we work face-to-face with educators to navigate these options, ensuring your loved ones get tailored, comprehensive care that respects your family budget.
Resources for Teachers & Superintendents
Comprehensive Health Insurance Solutions for School Districts
Explore the key ways we help school districts transform their benefits strategy.
We understand the unique budget and staffing challenges rural districts face—and we’ve helped many overcome them with flexible, cost-saving solutions.
We design plans that fit your district—whether that’s fully insured, level-funded, or self-funded. No cookie-cutter solutions here.
When it makes sense, we help educator families explore ACA or Health Share plans—often lowering costs and improving coverage without impacting the group plan.
Our team walks every teacher through their plan, start to finish—no call centers here.
In-house claims specialists advocate for your staff when bills or questions come up.
We provide open enrollment webinars, benefit booklets, and one-on-one consultations.
Lowering Health Insurance Costs for a Rural Kansas School District
A rural Kansas district faced steep annual increases on its fully insured health plan. The superintendent was stuck—unable to give raises and watching talented teachers leave for higher-paying districts. Apollo stepped in with a better solution: we transitioned the district to a customized plan and placed educators’ families on individual plans. The result? Big savings.
- Annual Savings for Educators with Families: $69,000+
- Overall Savings by Switching to a Custom Plan: 18%
- Monthly Savings Per Educator Family: $5,800+
Now, that money goes back into the classroom—supporting educators and strengthening the district’s future. In a rural community, those savings ripple out—helping retain local talent, freeing up funds for school improvements, and boosting the local economy. And for a superintendent who wears many hats, having a trusted partner managing the district’s benefits means one less thing to worry about.
