Regence is an insurance company that offers several types of Medicare plans, including Medicare Advantage, Part D, and Medigap plans. It is available in four western U.S. states.
Costs vary among the plans but will usually include deductibles, copays, coinsurance, and monthly premiums.
Read on to learn more about Regence, Medicare, and Medigap. The article also looks at some of the costs of Regence Medicare plans.
Regence is a private health insurance company that offers Medicare plans in Washington, Oregon, Idaho, and Utah. Each policy is a nonprofit independent licensee of the Blue Cross and Blue Shield Association.
The company offers several types of Medicare plans, along with non-Medicare policies for individuals, families, and business employees. It does not offer stand-alone dental plans.
Medicare Advantage is an alternative to Original Medicare that offers the same basic benefits. These include Part A (hospital insurance) and Part B (medical insurance).
Medicare Advantage plans also include prescription drug coverage, and many have extra benefits, such as:
- dental care
- vision care
- gym memberships
Medicare Part D is prescription drug coverage available to a person enrolled in Original Medicare.
Each plan has a list of covered medications, which is called a formulary.
Medigap is Medicare supplement insurance. It pays 50% to 100% of out-of-pocket costs for parts A and B. It works with Original Medicare but is unavailable to a person enrolled in a Medicare Advantage plan.
Medigap plans may have a lower monthly premium than some Medicare plans but usually have a monthly premium.
Regence offers Medicare Advantage, Part D, and Medigap plans.
Regence Advantage plans
A person interested in a Regence Advantage plan may choose from several Health Maintenance Organization (HMO) and Preferred Provider (PPO) plans. Each plan has a network of hospitals, doctors, and other healthcare providers.
Most HMO plans require a person to choose from in-network providers. In contrast, PPO plans allow individuals the flexibility to select from either in-network or out-of-network providers, though the latter carry a higher cost.
In addition to providing Original Medicare (Parts A and B) benefits, Regence Advantage plans may offer prescription drug coverage.
Some plans may also include additional benefits, such as:
- dental care
- vision care
- hearing care
- annual physical exams
- preventive care and immunizations
- benefit card for over-the-counter products
- gym membership
- meal delivery services
- medical alert devices
When selecting a Regence Medicare Advantage plan, it is important to check that the specific plan provides the benefits a person requires.
A person can also check if their doctor or healthcare professional is included in the Regence network using this online tool.
Learn more about HMO and PPO Medicare Advantage plans.
Regence Part D plans
Regence Part D plans cover the most common medications. They may also cover prescription medications that Original Medicare plans do not.
A person can check the formularies, or drug lists, on the Regence website to learn more about the drugs that specific plans cover.
Regence Medigap plans
Regence offers several Medigap plans.
Regence offers numerous Medigap plans. It is important to note that the plans do not include prescription drug coverage, but a person may enroll in a Part D plan separately.
Some plans help with the costs of emergency care a person may encounter when traveling in a foreign country.
Plans also have extra perks, such as gym memberships and access to a toll-free nurse line.
Costs of Regence Advantage, Part D, and Medigap plans vary depending on available options.
Advantage plan costs
A person with a Medical Advantage plan must pay the Part B monthly premium.
The information below shows examples of the out-of-pocket costs for Regence Advantage plans in different areas in 2025. A person can use the Medicare online tool to find the costs of Regence Medicare Advantage plans in their region.
Regence MedAdvantage + Rx Primary (PPO)
The PPO plan Regence MedAdvantage + Rx Primary is available in Boise, Idaho. The costs for people in ZIP code 83704 include:
- a monthly premium of $11
- a primary doctor copay of $0
- a specialist copay of $45 per visit
- an in-network maximum of $6,600
- an in- and out-of-network maximum of $10,100
Regence Valiance (PPO)
The PPO plan Regence Valiance is available in Salt Lake City, Utah. The costs for people in the ZIP code 84044 include:
- a monthly premium of $0
- a primary doctor copay of $0
- a specialist copay of $20 per visit
- an in-network maximum of $4,500
- an in- and out-of-network maximum of $9,550
Learn more about the costs of Medicare Advantage plans.
Part D plan costs
The costs for Regence Part D plans will depend on the specific plans. Medication costs will depend on which formulary tier the drug is in and whether the person chooses a generic or brand name.
In 2025, the out-of-pocket spending for Part D is capped at $2,000.
Learn more about the costs of Medicare Part D.
Medigap plan costs
The only cost of Medigap plans is the monthly premium, which differs between plans.
Learn more about the costs of Medigap.
Regence provides health insurance for people in Washington, Oregon, Idaho, and Utah. It offers Medicare Advantage plans, Part D prescription drug coverage, and Medigap supplemental insurance plans.
Medicare Advantage plans include Health Maintenance Organization (HMO) plans and Preferred Provider (PPO) plans. The HMO plans require a person to choose from in-network providers, while the PPO plans permit someone the flexibility to choose from in-network or out-of-network providers.
The benefits and costs of Regence Medicare health plans vary. Because of the wide differences, people may wish to compare Regence plans in their area before choosing.