Discover the benefits of your health plan network

Keeping your medical costs down while ensuring you get the care you need is vital to your health and your wallet. That’s why it’s important to understand how your health plan works with your provider network. By getting care from providers and facilities that are in your network, you’ll save money and avoid surprise bills.

Image multiple icons in circle

What is a network?

A network is a group of doctors, dentists, hospitals, pharmacies and other credentialed medical professionals that are part of your health insurance plan. We have contracted with these provider networks to ensure you receive quality, safe care—at lower prices that we’ve negotiated for you. When a health care provider is in your network, it's called "in network."

Image of network and outside network

What happens if I go outside my network?

If you see a provider outside your network, your health plan may not cover your care. You will be responsible for paying most, if not all, of the bill. The same is true for services your doctor recommends. For example, your doctor might refer you to a medical imaging facility that's not in your network, which could cost you more money.

Image of Member ID

How do I know what my network is?

Your network is listed on the front of your member ID card and in your health plan benefit information. You can also sign in to your account on or the Regence app to view your member ID card. This designation determines the providers in your network, which saves you money.

How do I use my network?

To save money, you’ll want to stay in your network when seeing a doctor or specialist, as well as when visiting a facility or pharmacy. If you have vision and dental care, you’ll find eye doctors and dentists in your network too. Here’s how to get started:

Circle icon of magnifying glass with plus symbol in it

Find network doctors

Once you sign in to your account on or the Regence app, you can easily find a doctor and find a dentist who are in your network. You can also call Customer Service at the number on the back of your member ID card. The front of your card shows the name of your particular network.

Find a doctor

Find a dentist

Circle icon of medication bottle

Search pharmacies

Save money on your medications by getting your prescriptions from a network pharmacy. Find out if your drugs are covered and how much they’ll cost. Even get medications delivered right to your door.

Go now

Circle icon with dollar bill in it

Understand costs

If you're planning a procedure, such as a surgery or MRI, you can learn more about your expected costs and in-network savings when you estimate your costs. Be sure to sign in to your account so your estimates are based on your deductible and out-of-pocket maximum.

Learn more

Traveling in the U.S.

Your plan includes BlueCard®. This means you have access to the largest network of doctors and hospitals throughout the country (95% of all physicians and 96% of all hospitals nationwide). All Regence plans come with urgent and emergency BlueCard coverage. Depending on your plan, you may also be able to see local BlueCard providers for non-emergency issues. To find out about your specific BlueCard coverage, sign in and chat with us online or call us at the number on the back of your member ID card.

Read about travel coverage
Image of smiling woman with headset on

We’re here for you

Our Customer Service team is made of compassionate people who care and are ready to help you. We can help you understand the difference between in-network versus out-of-network benefits and more.

Contact us