Welcome to the Southern Illinois Health & Wellness Insurance Trust

The Southern Illinois Health & Wellness Insurance Trust in coordination with USI Insurance, is committed to providing protection, security and peace of mind by developing and managing high quality, cost effective insurance plans and risk management services.

View SIHWIT's Insurance Plans

You can find information about our Medical, Dental, Vision, and Wellness Plans at the links below.


The Southern Illinois Health & Wellness Insurance Trust (“SIHWIT”) was established in 2005 and currently provides health benefits to three Illinois school districts and two cooperatives. Each school district and cooperative appoints administrative and teacher representatives to serve as Trustees. The Trustees have a strong history of working collaboratively to protect the best interests of the beneficiaries of the Trust.

The Trustees retain professionals, including an actuary, auditor, insurance consultant and legal counsel, to safeguard the integrity of the Trust. The Trustees are interested in expanding membership in the Trust to school districts and cooperatives that share their commitment to wellness and financial prudence.

Why you should join!

The Trust’s financial stability provides each participating school district and cooperative with a strong foundation for the future.
Upon entry into SIHWIT, each school district is rated separately based upon their own experience and demographic date. Each district’s rate structure and claim experience is transparent to the other school districts. Monthly claims and financial reports are provided to each Trustee. At renewal, all districts are provided with a uniform increase (subject to the Trust’s deviation formula) that is applied to each of the district’s separate rate structures.
The purpose of the SIHWIT Wellness Program is to improve the health of the covered employees and dependents. This health improvement will help drive lower costs for the members districts. Marquee Health, SIHWIT’s wellness partner, provides a turnkey population on health management program to all SIHWIT districts. Program services are clinically based and fully HIPAA compliant. The year-round Marquee Health program includes annual, on-site health evaluations; individualized health goals; in-person courses and online information about specific conditions; as well as full program administration, recordkeeping and reporting. The Marquee Health program will give your school district a proactive, proven process to help control health care costs by helping employees get and stay healthy and be accountable for healthcare costs.
SIHWIT employs a Trust Administrator, Valerie Palmer, to oversee the day-to-day operations of the Trust. In addition to providing administrative assistance to the staff of the participating school districts, Mrs. Palmer’s duties include helping employees with claim-related questions regarding Trust programs. Mrs. Palmer also prepares monthly financial reports for the participating school districts. The Trustees are confident that Mrs. Palmer will help reduce the workload on your existing staff if your school district joins SIHWIT.

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SIHWIT has partnerships with some of the leading medical service providers.

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