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Regence HSA Healthplan - $1,500 Individual Deductible

Individual Health Insurance Oregon | Health Savings Account

    • Own your health care dollars with a tax-advantaged account that covers medical expenses beyond your health plan. Or choose to save.
    • Unlimited, up-front preventive care, plus personalized tools and support you need to make the plan your own.
    • Comprehensive wellness programs like Care Enhance® Nurseline & Regence Health CoachSM

Coverage at a Glance


Deductible:
Annual OOP Max: 5,000 per member for participating providers, no maximum for non-participating providers
Lifetime Max: $2 million per member
Copay: Not applicable on this plan
Coinsurance: 20% participating provider, 40% non-participating
Coinsurance Max: Not applicable on this plan
Network(s): Participating Network

Find a Doctor
Yes Prescription benefits
No Dental
No Vision
Yes No Referrals
Yes Maternity
Yes Preventive Care
No Alternative Care
No Mental Health
 

Basic Features

Cost Sharing
Deductibles: $1,500 per member
Annual OOP Max:
  • $5,000 per member for participating providers
  • Amount includes deductible
  • No maximum for non-participating providers
Coinsurance Max: Not applicable on this plan
Lifetime Max: $2 million paid by Regence per member
Copay: Not applicable on this plan
Coinsurance:
  • You pay 20% when using participating providers
  • You pay 40% when using non-participating providers
Everyday Needs
Prescriptions:
  • You pay 50% when using participating and non-participating pharmacies
  • You pay 20% for self-administered chemotherapy medications
  • Subject to deductible
Preventive Care:
  • You pay 20% when using participating providers
  • You pay 40% when using non-participating providers
  • No deductible
  • No annual limit
Vision: Not covered
Office Visits: Deductible and coinsurance
Diagnostic x-ray services: Deductible and coinsurance
Outpatient Laboratory services: Deductible and coinsurance
Special Needs
Alternative care: Not covered
Maternity: Deductible and coinsurance
Mental Health: Not covered
Other considerations
Network(s): Participating Network
Banking:

A financial institution provides the account where you save money for "qualified medical expenses" as defined by the IRS. We have preferred banking partners that offer some advantages, but you're free to use any institution that provides HSAs.

Benefit Summary

Rates

Oregon Health Insurance | Individual & Family Plans
Oregon | Individual & Family Plans

Oregon Health Insurance

Plan image

Regence HSA Healthplan - Oregon only

Brings together robust preventive care benefits and protection against the unexpected, with the unique power of a tax-advantaged Health Savings Account. For individuals and families.

Blue SelectionsSM - Oregon only

Getting the right fit is important, whether you're talking about shoes or the perfect pair of jeans. For something as important as your health, you want coverage that is right for you -- something that fits you and your family. For individuals and families.

Regence HSA Comprehensive Healthplan - Clark County only

Brings together robust preventive care benefits and protection against the unexpected, with the unique power of a tax-advantaged Health Savings Account. Even includes maternity and prescription coverage. For individuals and families.

Regence HSA Healthplan - Clark County only

Brings together robust preventive care benefits and protection against the unexpected, with the unique power of a tax-advantaged Health Savings Account. For individuals and families.

Regence BreakthruSM - Clark County only

Getting the right fit is important, whether you're talking about shoes or the perfect pair of jeans. For something as important as your health, you want coverage that is right for you -- something that fits you and your family. For individuals and families.

Blue Selections PPOSM - Clark County only

A solid plan with robust coverage to serve all your health care needs:  physician and hospital services, vision, and prescriptions. For individuals and families.

InterMSM

Temporary medical coverage for unexpected accidents and illnesses, offered through our affiliate Regence Life and Health. Good for individuals and families who are between jobs, or waiting for an employer plan to start. There are restrictions on pre-existing conditions, so please check the details carefully.

Individual Dentacare

This affordable dental coverage is an option for individuals and families purchasing one of our individual and family medical plans. Services for Individual Dentacare are provided by the dentists and staff of Willamette Dental – one of the largest managed dental care groups in the nation. For individuals and families.

Individual Dollar-Based Dental

A dental plan that puts you in control of your dental health dollars, offered through our affiliate Regence Life and Health. This plan is dollar-based – a unique departure from traditional procedure-based coverage. Imagine spending your benefit dollars almost any way you choose, on care that's important to you and your family. Each year you decide to include an exam and cleaning, you are rewarded with a benefit increase the following year.

Individual Incentive Dental

Immediate access to quality, affordable dental care, offered through our affiliate Regence Life and Health. This plan is procedure-based, but unlike traditional dental plans you are rewarded for receiving routine preventive care. Each year that you visit the dentist for a checkup and cleaning, means greater benefits and less out-of-pocket expenses the next year.

This does not include all benefits, limitations, exclusions and other terms of coverage (such as eligibility and cancellation provisions) applicable to this plan. Please refer to your contract of a complete list and more in-depth explanation of benefits and the limitations and exclusions that apply.


Fourth quarter rates are effective 10/1/2009 through 12/31/2009.

First quarter rates are effective 1/1/2010 through 3/31/2009.

Optional Benefits

Complete your health plan with Dental coverage: Individual Dentacare
  • No deductibles, no annual maximums
  • $15 per visit copay for basic dental services
Learn more about Individual Dentacare »

Medical Exclusions and Limitations

Acupuncture Not covered
Alcoholism Limited to $4,500 in any 24-month period
Ambulance $5,000 per calendar year, ground and air
Cosmetic/Reconstructive Surgery Not covered
Custodial Care and Rest Cures Not covered
Dental Injury $1,000 per calendar year
Drug Abuse/Addiction Treatment Not covered
Durable Medical Equipment $2,500 per calendar year. No limit for prosthetics and orthotic devices.
Family Planning Not covered
Growth Hormone Benefit $20,000 per calendar year; must be preauthorized
Hearing Aids Not covered
Home Health Care 130 visits per calendar year
Mental Health Treatment Not covered
Obesity or Weight Control Not covered
Orthognathic Surgery Not covered
Outpatient Counseling Not covered
Preventive Care Not limited
Rehabilitative Care (inpatient) $15,000 per calendar year
Rehabilitative Care (outpatient) $1,500 per calendar year
Skilled Nursing Facility 100 days per stay
Spinal Manipulation Not covered
Temporomandibular Joint Disorder $1,000 per calendar year
Transplants
  • $250,000 lifetime maximum
  • 24-month waiting period
Tobacco Addiction Treatment Not covered
You must be covered for at least 12 months before we pay for any of the following
Allergies 12-month waiting period
Sterilization 12-month waiting period
Elective Procedures 12-month waiting period
This does not include all benefits, limitations, exclusions and other terms of coverage (such as eligibility and cancellation provisions) applicable to this plan. Please refer to your contract of a complete list and more in-depth explanation of benefits and the limitations and exclusions that apply.

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