"Which health insurance company is better for me: Premera or Regence?
Can anyone share their experiences and a comparison of the two?""
**Network Size Matters**: Premera's broader network of providers can result in higher premiums, while Regence's smaller networks lead to more competitive pricing in some areas.
**Preventive Care Emphasis**: Premera prioritizes preventive care and wellness programs, offering more comprehensive wellness plans and rewards for healthy behaviors.
**Transparency Focus**: Regence focuses on transparency and ease of use, simplifying the claims process and offering online tools for easy tracking and management of health insurance.
**Customizable Coverage**: Both Premera and Regence offer various deductible and premium options to customize coverage based on individual needs and budgets.
**Therapy Visit Costs**: Regence often has lower therapy visit costs, such as $30 compared to Premera's $140, depending on the plan.
**National Rankings**: The Alliance evaluates health plan performance using eValue8, an evidence-based tool that assesses network management, chronic condition management, and other modules.
**Washington State Rankings**: Three Washington plans, including Regence BlueShield, ranked best in the nation, according to The Alliance's evaluations.
**Network Restrictions**: Restricting network size can lower costs on exchange plans, making it essential to consider network size when choosing a plan.
**Provider Networks**: Premera has the largest network, the Blue Cross Network, in most of Western Washington, while Regence has a smaller network.
**Claims Submission**: Premera Blue Cross claims correspondence, prior authorization requests, and pharmacy claims have specific addresses and phone numbers for submission.
**Medicare Supplement Plans**: Cigna provides the best Medigap Plan F in Washington, with an average monthly premium of $227.77.
**Network Status Updates**: Premera Blue Cross members in Oregon or Clark County, Washington, may experience changes in network status due to contract agreements with Legacy Health.
**Regence vs.
Premera**: Both companies administer Blue Cross Blue Shield (BCBS) insurance, but with different provider networks and pricing structures.
**Wide Recognition**: BCBS is a widely recognized insurance provider in the United States, with various subsidiaries, including Regence and Premera.
**Regional Administration**: In our region, BCBS is administered through two key subsidiaries, Regence and Premera, which can significantly affect therapy costs and accessibility.
**Deductible Options**: Both Premera and Regence offer various deductible options to customize coverage based on individual needs and budgets.
**Premium Pricing**: Pricing structures differ between Premera and Regence, with Premera's broader network resulting in higher premiums, while Regence offers more competitive pricing in some areas.
**Wellness Programs**: Premera prioritizes preventive care and wellness programs, offering more comprehensive wellness plans and rewards for healthy behaviors.
**Online Tools**: Regence focuses on transparency and ease of use, simplifying the claims process and offering online tools for easy tracking and management of health insurance.
**Customization**: Both Premera and Regence offer customizable coverage options, allowing individuals to tailor their plans to their specific needs and budgets.