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.
When you’re choosing a health plan, it’s important to understand your plan’s provider network. If you select a plan with our broad Individual and Family Network, you’ll have access to doctors and facilities in our four-state service area. Or you can choose one of our coordinated, quality-focused networks designed to promote collaboration among your providers and save you money.
See what comes with all Regence plans
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.
Summary of Benefits and Coverage (SBC): A document that summarizes what services are covered by your health plan and what you'll pay for services.
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.