Understanding why your health and provider network matters

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.

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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."

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What happens if I go outside my network?

If you see a provider outside of 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.

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How do I know what my network is?

Your network is listed on the front of your member ID card and also in your health plan benefit information. You can also log in to your account on regence.com 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:

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Find network doctors

Once you sign in to your account on regence.com or your Regence app, the Find a Doctor tool will show you who’s 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.

Get started

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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

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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 by using our Cost Estimator. You’ll get estimates based on your deductible and out-of-pocket maximum.

Learn more

What’s my network when I travel?

Regence health plans include BlueCard®, which means you have access to the largest network of doctors and hospitals throughout the country (92% of all physicians and 96% of all hospitals nationwide). All Regence plans also come with urgent and emergency BlueCard coverage. If you’re traveling or living outside the United States, Puerto Rico and U.S. Virgin Islands, you can use Blue Cross Blue Shield Global® Core to connect with health care professionals, hospitals and medical assistance.

Read about travel coverage
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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