Comparing health insurance policies: Choosing a Regence health plan
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Find the right plan for you

Choosing a health plan is a big decision—one that impacts your health and your wallet. We’re here to help you compare health insurance plans and find the coverage that fits you best. For guidance, give us a call at 1 (888) REGENCE (1-888-734-3623), TTY: 711.

See what comes with all Regence plans

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Virtual care

All plans cover in-person care as well as 24/7 virtual care options—so you can see a doctor whenever and wherever you want.

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No-cost preventive care

It’s easy to be proactive and stay on top of your health with 100% coverage when you see in-network providers for preventive care.

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Tools for a healthier life

Enjoy discounts on eye and hearing care, alternative care, health clubs, over-the-counter health and wellness products, and more.

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Personal support

Keep stress and other life issues from overwhelming you with counseling, life-balance help, financial and child care resources, and more.

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Save money by staying in network

All health plans use provider networks, and you’ll save money when you use providers in your plan’s network. That’s because we’ve negotiated discounted prices with our in-network providers—so they charge less when they treat our members.

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Understand metal levels

Each plan type is offered at one or more metal levels. All insurance companies use these levels to help you compare plans. Your out-of-pocket costs (what you pay in deductible, coinsurance and copays) are lower in Gold plans and higher in Bronze plans. Silver falls in the middle. They all have an out-of-pocket maximum. That is the limit to how much you’ll pay out of pocket in a calendar year. Once you hit that maximum, your covered care is paid at 100% for the rest of the year.

Your cost (Gold) chart, Premium $$$, Out-of-pocket $

Gold level

This option is a good fit if:

You’re willing to pay higher monthly premiums in exchange for predictable out-of-pocket costs.

You expect to need a lot more than preventive care over the course of the year.

Your cost (Silver) chart, Premium $$, Out-of-pocket $$

Silver level

This option is a good fit if:

You want to balance the cost of your monthly premiums with your out-of-pocket costs.

You’re generally healthy and need care occasionally (other than preventive care like annual checkups).

Your cost (Bronze) chart, Premium $, Out-of-pocket $$$

Bronze level

This option is a good fit if:

You’re willing to pay higher out-of-pocket costs in exchange for lower monthly premiums.

You’re generally healthy and need care rarely (other than preventive care like annual checkups).

Health insurance terms to know

Premium: The amount that you pay for your health plan. You usually pay it monthly, quarterly or yearly.

Deductible: The amount you pay for covered health care services before your health plan starts to pay. With an annual $2,000 deductible, for example, you pay the first $2,000 of most covered services yourself.

Copay: A fixed amount ($15, for example) you pay for a covered health care service, usually when you receive the service.

Coinsurance: Your share of the costs of a covered health care service. For most care, you pay any deductibles before coinsurance kicks in. For example, if a doctor’s visit is $100 and you’ve already met your deductible, your coinsurance of 20% would be $20. Regence pays the rest.

Out-of-pocket maximum: The limit to how much you’ll pay out of pocket in a year. Once you hit that maximum, your covered care is paid at 100% for the rest of the year.

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We’re here to help

If you have questions or need to find health insurance that meets specific needs, call us at 1 (888) REGENCE (1-888-734-3623), TTY: 711. You can also find answers on our member FAQ.

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