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Who Is Regence BlueCross BlueShield of Oregon?
Regence BlueCross BlueShield of Oregon is a regional health insurer. It offers coverage in Oregon, Idaho, Utah, and a number of counties in Washington state. As an independent licensee of the Blue Cross Blue Shield Association, it offers a broad array of insurance options.
Regence BlueCross BlueShield of Oregon has been serving members for over 78 years. It has 794,863 members, 31,006 in-network providers, and 1,217 in-network hospitals and clinics.1 As a nonprofit, it focuses on helping people with their health insurance needs.
What Health Insurance Does Regence BlueCross BlueShield of Oregon Offer?
Regence BlueCross BlueShield of Oregon provides medical insurance for individuals and families, both direct to consumers or through the state Health Insurance Marketplace. It primarily offers HMOs and PPOs. All of its individual medical plans meet Affordable Care Act (ACA) requirements, which means you might qualify for subsidies that lower your monthly payments. It doesn’t offer vision or dental plans, but those are available through a sister company.
Coverage is also available for Medicare members, with options for Medicare Supplement, Medicare Advantage, and Medicare prescription drug Part D plans.
Regence BlueCross BlueShield of Oregon also provides insurance for employers in groups of small (1-50), medium (51-100), and large (100+) employees, as well as self-insured companies from 50-100 or 101+ employees. It offers co-pay/deductible plans as well as Health Savings Account (HSA) options.
Types of Plans
Regence BlueCross BlueShield of Oregon primarily offers HMO and PPO plans.
What Are Member Benefits with Regence BlueCross BlueShield of Oregon?
You can see in-network providers either in-person or through 24/7 virtual care. Preventive care is 100% covered. You also get discounts on vision and hearing services, health clubs and some over-the-counter products.2
You can access your account online to see claims and get information about your benefits, your deductibles and other costs, as well as where to find providers. Regence also offers resources on life-balance help, finances and child care.
Member Discounts
It doesn’t offer vision or dental plans, but it does offer discounts on vision and hearing services, along with health clubs and some wellness products.
How Do You Enroll in Coverage With Regence BlueCross BlueShield of Oregon?
You have several options for enrolling in a health plan with Regence BlueCross BlueShield of Oregon. If you’re eligible for subsidies based on income and household size, you can apply through the Oregon Health Insurance Marketplace. That way tax credits will be applied directly to your premium and lower your monthly cost.
If you’re not eligible for a subsidy, you can enroll directly with Regence BlueCross BlueShield of Oregon through its website. You can compare plan options, learn about metal levels, check if your doctor is in-network and review coverage before signing up for a plan.
If you’d rather work with a live person, call Regence BlueCross BlueShield of Oregon at (888) 734-3623 to talk to a representative. You can also reach out to a licensed insurance agent who can help you choose the right plan for you and your family.
How Do You File Claims with Regence BlueCross BlueShield of Oregon?
When your medical provider or facility is contracted with Regence BlueCross BlueShield of Oregon, your claims will be submitted electronically for you. You’ll only need to submit claims directly if you see an out-of-network provider and want partial reimbursement. The claim forms are available on the website.
Regence BlueCross BlueShield of Oregon processes more than 11 million claims per year.3 Over the past six months, the average claim has been processed within 18 days.4
How Is Regence BlueCross BlueShield of Oregon Rated?
On January 25, 2021, A.M. Best reaffirmed Regence BlueCross BlueShield of Oregon’s A (Excellent) rating, saying its financial outlook is stable.5
The Consumer Satisfaction Complaint Index, as measured by the National Association of Insurance Commissioners (NAIC), scores Regence BlueCross BlueShield of Oregon favorably at 0.25%.6
Best Company gives Regence BlueCross BlueShield of Oregon 3 stars,7 noting a lack of customer reviews because this is a small, regional insurance carrier.
Next Steps
If you’re comparing health insurance options in Oregon and a plan with Regence BlueCross BlueShield of Oregon sounds right for you, compare the available options and make sure your providers are part of the network. Make sure to apply through the Marketplace if you’re eligible for a subsidy. If not, you can apply through the Regence website or over the phone.
The views and opinions expressed are those of the authors and do not necessarily reflect the official policy or position of HealthCareInsider.com or HealthCare, Inc.
