Regence Medicare Advantage 2024 Review

Regence offers multiple types of low- or no-cost Medicare Advantage plans, but its ratings are below average.
Alex Rosenberg
By Alex Rosenberg 
Edited by Holly Carey

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Regence Medicare Advantage - Chapter

Regence Medicare Advantage


CMS Star Rating

Regence sells HMO and PPO plans with premiums as low as $0, but its ratings from CMS are below average.

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States available

4 states

Members in high-rated plans

Low (49% or less)

Member experience

2.80 (Average)

States available

4 states

Members in high-rated plans

Low (49% or less)

Member experience

2.80 (Average)


  • PPO and HMO plans have premiums as low as $0.
  • Some plans have allowances for extras like eyeglasses and health and wellness items.


  • Few Regence members are in plans rated highly by CMS.

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.


  • Multiple $0 plan types: Regence offers both HMO and PPO plans with premiums as low as $0.

  • Allowances for extras: Some Regence plans include allowances to help pay for extras such as eyeglasses and over-the-counter health and wellness items.


  • Few members in highly rated plans: Fewer than 1 in 10 Regence members are in plans rated 4 stars or higher by CMS.

Regence Medicare star ratings

Average star rating, weighted by enrollment: 3.41

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 3.41 stars

Centers for Medicare & Medicaid Services. 2024 Star Ratings Data Tables (Oct 13 2023) (ZIP). Accessed Apr 10, 2024.

For comparison, the average star rating for plans from all providers for 2024 is 4.04

Centers for Medicare & Medicaid Services. 10.13.23 Fact Sheet - 2024 Medicare Advantage and Part D Ratings (PDF). Accessed Apr 10, 2024.

You can find a plan’s rating with Medicare's plan finding tool.

Still deciding on the right carrier? Compare Medicare Advantage plans

What does Regence Medicare Advantage cost?

Costs for Medicare Advantage plans will depend on your plan, geographic location and health needs.


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

Centers for Medicare & Medicaid Services. CY2024_Landscape_Files_Final_20240314 (ZIP). Accessed Apr 10, 2024.

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

Centers for Medicare & Medicaid Services. Understanding Medicare Advantage Plans. Accessed Apr 10, 2024.

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:

  • Whether the plan covers any part of your monthly Medicare Part B premium.

  • The plan’s yearly deductibles and any other deductibles, such as a drug deductible.

  • 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.

  • The plan’s in-network and out-of-network out-of-pocket maximums.

  • Whether your medical providers are in-network or out-of-network, or how often you may go out-of-network for care.

  • 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.

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:

A health maintenance organization (HMO) generally requires that you use a specific network of doctors and hospitals. You may need a referral from your primary doctor in order to see a specialist, and out-of-network benefits are usually very limited.

Preferred provider organization (PPO) plans provide the most freedom, allowing you to see any provider that accepts the insurance. You may not need to choose a primary doctor, and you don’t need referrals to see specialists. You can seek out-of-network care, although it may cost more than seeing an in-network doctor.

Regence Medicare Advantage service area

Regence offers Medicare Advantage plans in four states: Washington, Oregon, Idaho and Utah.

The company covers about 125,000 Medicare Advantage members

Centers for Medicare & Medicaid Services. Monthly Enrollment by Contract. Accessed Apr 10, 2024.

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

It’s important to do your research before selecting a Medicare Advantage plan for yourself. Here are some questions to consider asking:

  • 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?

  • Is your doctor in-network? If you have a preferred medical provider or providers, make sure they participate in the plan’s network.

  • 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?

  • Is there dental coverage? Does the plan offer routine coverage for vision, dental and hearing needs?

  • 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 or call 800-MEDICARE (800-633-4227, TTY 877-486-2048).

Still deciding on the right carrier? Compare Medicare Advantage plans