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Individual and family plans

Your health plan should meet both your health care and budget needs, so don't choose based on price alone. Use the guide below to learn more about how to get the most from your coverage before you choose a plan.

If you need coverage now, make sure you qualify for special enrollment.

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Understand the three elements of health coverage

PLAN: The benefits that cover the cost of your care. Some plans are rich (they offer more comprehensive coverage) and others are lean (they offer more basic coverage).

NETWORK: The doctors, hospitals and clinics we've contracted with to provide care to our members at a discounted price.

COST-SHARING: How you and Regence both pay a portion of your medical costs. The most common forms of cost-sharing are deductible, copay and coinsurance.

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Stay in network and save money

Use in-network providers

We've negotiated discounted prices with our in-network providers. Your benefits are applied to the lower, discounted price—not to the provider's full rate for the care. Regence pays a larger portion of the discounted price, which means you pay less.

Find an in-network doctor

Use Find a doctor to look for in-network doctors near home or work. Once you're a member and you sign in to Regence, Find a doctor gives you personalized search results based on your plan and network.

All our plans offer these benefits

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MDLIVE

Talk with a doctor by phone or video wherever you are, whenever you need it. MDLIVE usually costs less than an in-person visit and is especially useful when traveling.

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Preventive care

All of our plans cover in-network preventive services, including your annual physical, vaccinations and more. There's no out-of-pocket costs for you.

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10 essential benefits

You're covered for all of these benefits, which include maternity and newborn care, ER services, rehabilitation, prescriptions and more.

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Prescriptions

Our pharmacy resources help you make informed decisions about your medications. Plus, enjoy home delivery and access to thousands of participating pharmacies.

Which cost-sharing level is right for you?

Consider how you use health care to find your best fit.

Gold level

This is a good fit for you if...
you expect to need a lot more than preventive care, and you see your medical bills being higher over the course of the year.

Not eligible for a health savings acount (HSA).

Silver level

This is a good fit for you if...
you expect to visit the doctor a few times during the year for more than preventive care needs.

Eligible for a health savings acount (HSA).

Bronze level

This is a good fit for you if...
you don't expect to need more than preventive care and don't foresee many medical bills.

Eligible for a health savings acount (HSA).

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What's a health savings account (HSA) and is it a good choice for you?

We'll explain in 74 seconds

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