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Regence Medicare Advantage plans are available in Washington, Oregon, Idaho and Utah. The company’s ratings are below average, but it offers both HMO and PPO plans with premiums as low as $0.
Here’s what you should know about Regence Medicare Advantage.
Regence Medicare Advantage pros and cons
Regence Medicare Advantage plans have advantages and disadvantages.
Pros
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Multiple $0 plan types: Regence offers both HMO and PPO plans with premiums as low as $0.
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Allowances for extras: Some Regence plans include allowances to help pay for extras such as eyeglasses and over-the-counter health and wellness items.
Cons
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Few members in highly rated plans: Fewer than 1 in 10 Regence members are in plans rated 4 stars or higher by CMS.
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Member experience: Average ratings for member experience, including factors such as care coordination and customer service, are below average.
Regence Medicare star ratings
Average star rating, weighted by enrollment: 3.43
The Centers for Medicare & Medicaid Services (CMS) releases annual star ratings that rank Medicare plans from best (5 stars) to worst (1 star). The agency’s ratings are based on data measuring plans’ quality of care and customer satisfaction.
Based on the most recent year of data and weighted by enrollment, Regence Medicare Advantage plans get an average overall 2024 star rating of 3.43 stars.
For comparison, the average star rating for plans from all providers for 2024 is 4.04.
What does Regence Medicare Advantage cost?
Costs for Medicare Advantage plans will depend on your plan, geographic location and health needs.
Premiums
One of the costs to consider is the plan’s premium. In 2024, slightly less than half (46%) of Regence’s Medicare Advantage plans have $0 premiums.
Even as a Medicare Advantage user, you’ll still be responsible for paying your Medicare Part B premium, which is $174.70 per month in 2024, although some plans cover part or all of this cost.
Copays, coinsurance and deductibles
Requirements for copays, coinsurance and deductibles vary depending on your plan, location and the services you use. Other out-of-pocket costs to consider include:
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Whether the plan covers any part of your monthly Medicare Part B premium.
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The plan’s yearly deductibles and any other deductibles, such as a drug deductible.
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Copayments and/or coinsurance for each visit or service. For instance, there may be a $10 copay for seeing your primary doctor and a $45 copay for seeing a specialist.
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The plan’s in-network and out-of-network out-of-pocket maximums.
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Whether your medical providers are in-network or out-of-network, or how often you may go out-of-network for care.
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Whether you require extra benefits, and whether the plan charges for them.
To get a sense of costs, use Medicare’s plan finding tool to compare information among available plans in your area. You can select by insurance carrier to see only Regence plans or compare across carriers. You can also shop directly from Regence’s website by entering your ZIP code.
Regence Medicare Advantage plan types
There are two kinds of Regence Medicare Advantage plans, and they vary in structure, costs and benefits. About 68% of Regence plans include prescription drug coverage.
Plan offerings include the following types:
Regence Medicare Advantage service area
Regence offers Medicare Advantage plans in four states: Washington, Oregon, Idaho and Utah. The company covers about 136,000 Medicare Advantage members.
Compare Medicare Advantage providers
Get more information below about some of the major Medicare Advantage providers. These insurers offer plans in most states. The plans you can choose from will depend on your ZIP code and county.
Find the right Medicare Advantage plan
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What are the plan’s costs? Do you understand what the plan’s premium, deductibles, copays and/or coinsurance will be? Can you afford them?
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Is your doctor in-network? If you have a preferred medical provider or providers, make sure they participate in the plan’s network.
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Are your prescriptions covered? If you’re on medication, it’s crucial to understand how the plan covers it. What tier are your prescription drugs on, and are there any coverage rules that apply to them?
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Is there dental coverage? Does the plan offer routine coverage for vision, dental and hearing needs?
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Are there extras? Does the plan offer any extra benefits, such as fitness memberships, transportation benefits or meal delivery?
If you have additional questions about Medicare, visit Medicare.gov or call 800-MEDICARE (800-633-4227, TTY 877-486-2048).
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