by Russell Noga | Updated October 2, 2024
Beneficiaries of Original Medicare Parts A & B can enroll in a Medicare supplement plan or “Medigap” policy when they turn 65. Medigap assists seniors with paying for the out-of-pocket costs associated with Medicare Parts A & B expenses.
Private healthcare insurers offer Medigap plans, with dozens of companies selling these plans. Each company has a select range of plans, with some offering a niche selection and others offering all ten in the range. You can buy a Medigap plan from any provider during the Open Enrollment period in the six months after turning 65 to avoid medical underwriting and receive automatic issuance and immediate coverage.
This review of Regence Medicare supplement looks into what this insurer has to offer its beneficiaries. We’ll look at the plans they offer, the average cost of premiums, and the perks for policyholders.
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Regence Medicare Supplement Plans at a Glance
- A good selection of popular Medigap plans.
- Mid-range pricing on premiums.
- Only available in four states including Washington, Oregon, Idaho, and Utah.
- Offers a good range of additional perks available for most plans.
Who Is Regence?
Founded in 1917, Regence is one of the largest Medigap providers in the Pacific Northwest and an independent Blue Cross Blue Shield licensee. Regence offers Medicare plans in Washington, Oregon, Idaho, and Utah.
What Medicare Supplement Plans Does Regence Offer?
Regence offers new members options for Medigap Plans A, C, F, G, K, & N.
Plan A – Basic benefits, but no coverage for the Part A deductible.
Plan C – Near-comprehensive coverage, but no cover for Medicare Part B excess charges. Plan C also includes coverage for the Medicare Part B deductible.
Plan F – First-dollar coverage for all Medicare Part A & B expenses, including the Medicare Part B deductible. It’s the most comprehensive Medigap plan.
Plan G – Near-comprehensive coverage and the best alternative for Medigap beneficiaries who don’t qualify for Plan F. It doesn’t cover the Medicare Part B deductible.
Plan K – A cost-sharing plan offering 50% coverage of most Medicare Part B expenses. Plan K has an out-of-pocket limit of $6.940.
Plan N – A well-priced plan, but it comes with copays of $20 at the doctor’s and $50 at the emergency room if you aren’t admitted to the hospital. There is no coverage for Medicare Part B excess charges.
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Regence Medicare Supplement Plans – Benefits & Coverage
All Regence Medicare supplement plans have standardized benefits regulated by the CMS, a federal agency. That means the benefits offered in Regency’s Plan G policy are the same as all other market providers.
All Medigap plans offer the following benefits for Original Medicare Parts A & B.
- Part A coinsurance and hospital costs for up to 365 days after using up Medicare benefits.
- Part A hospice care coinsurance or copayment.
- Part B coinsurance or copayment.
- Blood transfusion costs for the first three pints of blood.
Plans C*, F*, G, and N offer additional Medicare Parts A & B benefits.
*Plans C & F are no longer sold to people qualifying for Medicare after January 1, 2020. Suppose you’re eligible for Medicare Parts A & B after this date. In that case, you can use Plan G as a near-comprehensive option with similar benefits to Plans C & F. You may qualify for guaranteed issue rights to Plans C & F if you’re eligible for Medicare before the cut-off date. Contact our agents, and we’ll assist you in enrolling in either plan.
What Regence Medicare Supplement Plans Don't Cover
Regence Medigap plans don’t cover medical expenses not covered by Original Medicare Parts A & B. You don’t get coverage for cosmetic procedures or preventative treatments. Medicare and Medigap won’t cover maintenance treatments at the physiotherapist, acupuncturist, or chiropractor.
Medigap policies don’t cover vision, dental, and hearing services or prescriptions. There’s no coverage for stays at unskilled nursing facilities or private-duty nursing. However, providers like Regence may offer additional perks covering some of these services.
Regence Medicare Supplement Plans – Premiums
Regence Medigap premiums are in the mid-range compared to other providers. They aren’t the most affordable option in any state, but you get decent member perks when taking a policy. Here are the average premium rates for Washington and Oregon, based on the risk profile for a 65-year-old female nonsmoker.
*Your premium rates may vary depending on your risk profile.
Regence Medicare Supplement Plans – Additional Benefits
Regence Medigap plans come with additional benefits for its beneficiaries. Depending on your Plan, you could qualify for a 4% household discount and discounts on various healthcare items and services, such as vision and hearing care.
Most plans come with access to the SilverSneakers program for discounted rates on gym memberships. You also have access to a dedicated 24/7 nursing line for medical information.
Regence Medicare Supplement Plans – Third-Party Ratings & Reviews
Regence Insurance has an A rating from AM Best for its financial strength. The company spends more on member benefits than on operating costs for its business. This insurer has a good track record for customer service, but the company has no rating with the Better Business Bureau.
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Frequently Asked Questions
What is Regence Medicare Supplement?
Regence Medicare Supplement is an insurance option that works alongside Original Medicare to provide additional coverage for out-of-pocket costs like deductibles, coinsurance, and copayments. It helps fill the gaps left by Medicare, offering greater financial protection and peace of mind.
Who is eligible for Regence Medicare Supplement plans?
Eligibility for Regence Medicare Supplement plans generally requires individuals to be enrolled in both Medicare Part A and Part B. Enrollment is typically open to people who are 65 years or older, or those under 65 with certain disabilities.
What is the difference between Regence Medicare Supplement Plan G and Plan N?
Regence Medicare Supplement Plan G and Plan N are both popular options. Plan G offers comprehensive coverage, including coverage for the Part A deductible, Part B excess charges, and skilled nursing facility coinsurance. Plan N provides similar coverage but with some cost-sharing, such as a copayment for office visits and emergency room visits.
What coverage and benefits are included in Regence Medicare Supplement plans?
Regence Medicare Supplement plans generally cover Medicare Part A and B coinsurance, hospital costs, and may include coverage for additional services such as preventive care, skilled nursing facility care, and foreign travel emergencies. The specific coverage details may vary based on the plan.
Are there any additional benefits or perks offered by Regence Medicare Supplement plans?
While specific benefits and perks may vary, Regence Medicare Supplement plans may offer benefits such as coverage for prescription drugs, vision and dental care, fitness programs, and telehealth services. It’s important to review the details of each plan to understand the specific benefits included.
How can I enroll in Regence Medicare Supplement plans?
To enroll in Regence Medicare Supplement plans, you can contact Regence directly or work with a licensed insurance agent who represents Regence. They can guide you through the enrollment process, help you choose the most suitable plan, and assist with any required paperwork.
Can I keep my current healthcare providers with Regence Medicare Supplement plans?
Regence Medicare Supplement plans work with any healthcare provider that accepts Medicare patients, allowing you to continue seeing your preferred doctors and specialists. It’s always recommended to check with your specific healthcare providers to ensure they accept Medicare assignment.
What factors should I consider when comparing Regence Medicare Supplement plans?
When comparing Regence Medicare Supplement plans, consider factors such as the specific coverage offered, premium rates, company reputation, customer service quality, and any additional benefits or perks that align with your healthcare needs.
Are there any discounts or savings opportunities available for Regence Medicare Supplement plans?
Regence may offer discounts or savings opportunities for Medicare Supplement plans. These can vary based on factors such as age, household discounts, or payment method discounts. It’s recommended to inquire directly with Regence or their authorized agents to learn about any available savings opportunities.
Where can I get more information about Regence Medicare Supplement plans?
To get more information about Regence Medicare Supplement plans, visit their official website or contact Regence directly. Additionally, you can consult with licensed insurance agents who represent Regence to get personalized guidance and assistance in understanding the plan options.
Call Us for More Information on Regence Medicare Supplement Plans
Our fully licensed Medigap agents are available at 1-888-891-0229 for a free consultation and quote on any plan. We offer professional advice, and source you the best rate on any Medigap plan in your state.
If you can’t call us right now, leave your contact details on our site, and we’ll get a Medigap expert to call you back. Or you can use the tool on our site to get a free automated quote on any Medigap plan.
Russell Noga is the CEO and Medicare editor of Medisupps.com. His 15 years of experience in the Medicare insurance market includes being a licensed Medicare insurance broker in all 50 states. He is frequently featured as a featured as a keynote Medicare event speaker, has authored hundreds of Medicare content pages, and hosts the very popular Medisupps.com Medicare Youtube channel. His expertise includes Medicare, Medigap insurance, Medicare Advantage plans, and Medicare Part D.