Regence Medicare Advantage
3.39
CMS Star Rating
on NerdWallet
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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
3.39
CMS Star Rating
on NerdWallet
M-F 8am-10pm EST, Sa-Su 9am-9pm EST
Multiple $0 plan types: Regence offers both HMO and PPO plans with premiums as low as $0.
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.
3.82
CMS Star Rating
from UnitedHealthcare
4.27
CMS Star Rating
on NerdWallet
M-F 8am-10pm EST, Sa-Su 9am-9pm EST
3.63
CMS Star Rating
from Humana
3.93
CMS Star Rating
on NerdWallet
M-F 8am-10pm EST, Sa-Su 9am-9pm EST
» More options in our roundup of the best Medicare Advantage plans
3.82
CMS Star Rating
from UnitedHealthcare
3.63
CMS Star Rating
from Humana
» More options in our roundup of the best Medicare Advantage plans
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.
For comparison, the average weighted star rating for plans from all providers is 3.92.
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.
In 2025, about 5% of Regence’s Medicare Advantage plans that include prescription drug coverage have $0 premiums. 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 $174.70 per month in 2024. 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 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:
Regence offers Medicare Advantage plans in four states: Washington, Oregon, Idaho and Utah.
The company covers about 121,000 Medicare Advantage members.
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.
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?
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.
M-F 8am-10pm EST, Sa-Su 9am-9pm EST
Speak to a licensed insurance agent on askchapter.org
on NerdWallet
States available
4 states
Members in high-rated plans
Low (49% or less)
Member experience
2.51 (Below average)
States available
4 states
Members in high-rated plans
Low (49% or less)
Member experience
2.51 (Below average)
Pros
Cons