Regence Medicare Advantage 2024-2025 Review

Regence offers multiple types of no-cost Medicare Advantage plans, but its ratings are below average.

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Written by Alex Rosenberg
Lead Writer
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Edited by Holly Carey
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Fact Checked

The bottom line: Regence’s Medicare Advantage plans have below-average star ratings from the Centers for Medicare & Medicaid Services (CMS). Regence offers both HMO and PPO plans with premiums as low as $0, but its plans are only available in Washington, Oregon, Idaho and Utah. Jump to: Full Review

Regence Medicare Advantage - Chapter

Regence Medicare Advantage

3.39

CMS Star Rating

(855) 432-0512

TTY 711

Speak to a licensed insurance agent on askchapter.org
GET A QUOTE

on NerdWallet

We will connect you with Medicare companies based on the information you provide. They will help you find a plan that suits your needs. If you prefer to speak to a licensed insurance agent right away, please call the number listed below.

M-F 9AM-9PM, Sat 10AM-6PM ET

Speak to a licensed insurance agent on askchapter.org
(855) 432-0512

TTY 711

IS THIS PROVIDER AVAILABLE IN MY STATE?

Regence Medicare Advantage pros and cons

Pros

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

Cons

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

Drug coverage: Most $0-premium Regence plans don’t include prescription drug coverage.

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3.93

CMS Star Rating

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Aetna Medicare Advantage

Aetna

4.27

CMS Star Rating

(855) 432-0512

TTY 711

Speak to a licensed insurance agent on askchapter.org
GET A QUOTE

on NerdWallet

We will connect you with Medicare companies based on the information you provide. They will help you find a plan that suits your needs. If you prefer to speak to a licensed insurance agent right away, please call the number listed below.

M-F 9AM-9PM, Sat 10AM-6PM ET

Speak to a licensed insurance agent on askchapter.org
(855) 432-0512

TTY 711

IS THIS PROVIDER AVAILABLE IN MY STATE?
Humana Medicare Advantage - Chapter

Humana

3.63

CMS Star Rating

(855) 432-0512

TTY 711

Speak to a licensed insurance agent on askchapter.org
GET A QUOTE

on NerdWallet

We will connect you with Medicare companies based on the information you provide. They will help you find a plan that suits your needs. If you prefer to speak to a licensed insurance agent right away, please call the number listed below.

M-F 9AM-9PM, Sat 10AM-6PM ET

Speak to a licensed insurance agent on askchapter.org
(855) 432-0512

TTY 711

IS THIS PROVIDER AVAILABLE IN MY STATE?
Cigna Medicare Advantage

Cigna

3.93

CMS Star Rating

(855) 432-0512

TTY 711

Speak to a licensed insurance agent on askchapter.org
GET A QUOTE

on NerdWallet

We will connect you with Medicare companies based on the information you provide. They will help you find a plan that suits your needs. If you prefer to speak to a licensed insurance agent right away, please call the number listed below.

M-F 9AM-9PM, Sat 10AM-6PM ET

Speak to a licensed insurance agent on askchapter.org
(855) 432-0512

TTY 711

IS THIS PROVIDER AVAILABLE IN MY STATE?

» More options in our roundup of the best Medicare Advantage plans

Compare against other providers

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UnitedHealthcare Medicare Advantage - UHC

UnitedHealthcare

3.93

CMS Star Rating

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GET A QUOTE

from UnitedHealthcare

Call UnitedHealthcare
IS THIS PROVIDER AVAILABLE IN MY STATE?
Humana Medicare Advantage - Chapter

Humana

3.63

CMS Star Rating

(855) 432-0512

TTY 711

Speak to a licensed insurance agent on askchapter.org
GET A QUOTE

on NerdWallet

We will connect you with Medicare companies based on the information you provide. They will help you find a plan that suits your needs. If you prefer to speak to a licensed insurance agent right away, please call the number listed below.

M-F 9AM-9PM, Sat 10AM-6PM ET

Speak to a licensed insurance agent on askchapter.org
(855) 432-0512

TTY 711

IS THIS PROVIDER AVAILABLE IN MY STATE?

» More options in our roundup of the best Medicare Advantage plans

Our full review

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Regence Medicare star ratings

Average star rating, weighted by enrollment: 3.39

Regence Medicare Advantage plans are rated below the industry average, receiving an average rating of 3.39 stars out of 5 from CMS for 2025, weighted by enrollment

Centers for Medicare & Medicaid Services. 2025 Star Ratings Data Tables (ZIP). Accessed Oct 23, 2024.
.

For comparison, the average weighted star rating for plans from all providers is 3.95.

Of Regence members who are in Medicare Advantage plans with a star rating, 8% are in plans that have been rated 4 stars or above for 2025.

CMS maintains its own star ratings, which rank each plan from best (5 stars) to worst (1 star). The agency bases these ratings on plans’ quality of care and measurements of customer satisfaction, and ratings may change from year to year.

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

What does Regence Medicare Advantage cost?

In 2025, about 5% of Regence’s Medicare Advantage plans that include prescription drug coverage have $0 premiums

Centers for Medicare & Medicaid Services. CY2025 Landscape (202410). Accessed Oct 23, 2024.
. In addition, all of Regence’s plans that don’t include prescription drug coverage have $0 premiums.

You'll still be responsible for paying your Medicare Part B premium, which is $185 per month in 2025. Most people pay this standard Part B amount, but if your income is above a certain threshold, you'll pay the income-related monthly adjustment amount (IRMAA). Some Medicare Advantage plans cover part or all of your Part B premium.

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

Regence offers mostly PPO Medicare Advantage plans, but also offers some HMO plans. About 71% 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 121,000 Medicare Advantage members

Centers for Medicare & Medicaid Services. Monthly Enrollment by Contract. Accessed Oct 23, 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 Medicare.gov or call 800-MEDICARE (800-633-4227, TTY 877-486-2048).
Regence Medicare Advantage - Chapter

Regence Medicare Advantage

3.39

CMS Star Rating

Regence offers both HMO and PPO plans with premiums as low as $0, but its ratings are below average, and many $0-premium plans don't include drug coverage.

(855) 432-0512 / TTY 711

M-F 9AM-9PM, Sat 10AM-6PM ET

Speak to a licensed insurance agent on askchapter.org

GET A QUOTE

on NerdWallet

We will connect you with Medicare companies based on the information you provide. They will help you find a plan that suits your needs. If you prefer to speak to a licensed insurance agent right away, please call the number listed below.

States available

4 states


Members in high-rated plans

Low (49% or less)


Member experience

2.51 (Below average)

IS THIS PROVIDER AVAILABLE IN MY STATE?

States available

4 states


Members in high-rated plans

Low (49% or less)


Member experience

2.51 (Below average)

IS THIS PROVIDER AVAILABLE IN MY STATE?

Pros

  • Multiple plan types are available with premiums as low as $0.

Cons

  • Few members are in plans rated 4 stars or better.
  • Most $0-premium plans don't include prescription drug coverage.

Medicare will have big changes in 2025. Compare Medicare Advantage plans