Regence Blue Cross Blue Shield Utah is a trusted health insurance provider for many Utah residents. As part of the Blue Cross Blue Shield network, it offers a range of plans for individuals, families, and employers.
This article explores Regence’s coverage options, benefits, costs, and how to make the most of your plan.
What Is Regence Blue Cross Blue Shield Utah?
Regence Blue Cross Blue Shield Utah is a nonprofit health insurer serving over 700,000 members. It’s part of Cambia Health Solutions and operates in Utah, Idaho, Oregon, and Washington. Founded in 1942, it’s Utah’s oldest health insurer.
The company focuses on affordable, high-quality care. It’s an independent licensee of the Blue Cross Blue Shield Association.
Types of Plans Offered
Regence Blue Cross Blue Shield Utah provides individual, family, group, and Medicare plans. Individual plans are available on and off the ACA Marketplace. Small group plans cater to businesses with 1–50 employees.
Medicare Advantage and supplemental plans support retirees. Dental and vision coverage are also available.
Coverage for Individuals and Families
Regence offers ACA-compliant plans, including Bronze, Silver, and Gold tiers. Bronze plans have lower premiums but higher out-of-pocket costs. Silver plans, like the Silver 6500, balance affordability and coverage.
Gold plans offer lower deductibles but higher premiums. Plans include access to a broad network of providers.
Network and Provider Access
Regence Blue Cross Blue Shield Utah has two main networks: the Individual and Family Network and SaveWell. The Individual and Family Network covers Northern Utah and includes University of Utah and MountainStar hospitals. Out-of-network care is not covered, except for emergencies.
The SaveWell network is smaller but cost-effective. Virtual care is available 24/7 through Doctor On Demand.
Medicare Advantage Plans
Regence offers Medicare Advantage plans in 12 Utah counties, including Salt Lake and Cache. These plans cover hospital stays, doctor visits, and prescription drugs. Benefits include $0 copays for some services and access to national Blue Cross Blue Shield providers.
Veterans can enroll in Valiance plans, which complement VA benefits. Enrollment runs from October 15 to December 7.
Prescription Drug Coverage
Regence Blue Cross Blue Shield Utah covers prescription drugs through its formulary. Members can check covered medications and costs on the Regence website. Mail-order through Express Scripts offers 90-day supplies for convenience.
Low-cost insulin and chronic condition medications are emphasized. Copays vary by plan and drug tier.
Table: Sample Regence Plan Costs (2025)
| Plan Type | Monthly Premium | Deductible | Out-of-Pocket Max | Primary Care Copay |
|---|---|---|---|---|
| Bronze 7500 | $350–$450 | $7,500 | $9,100 | $40 |
| Silver 6500 | $450–$550 | $0 | $1,500 | $10 |
| Gold 2500 | $550–$650 | $2,500 | $6,000 | $20 |
Note: Costs vary by age, location, and plan. Check with Regence for exact rates.
Telehealth and Virtual Care
Regence provides 24/7 telehealth through Doctor On Demand and Ask a Doctor services. Virtual visits cover urgent care, mental health, and everyday issues like colds or rashes. Copays for telehealth are often lower than in-person visits.
Members can access care via smartphone or computer. This is ideal for busy schedules or remote areas.
Mental Health Benefits
Regence Blue Cross Blue Shield Utah prioritizes mental health coverage. Plans include therapy, psychiatry, and virtual counseling. The Transgender Care Team supports members seeking hormone therapy or surgery.
In-network providers offer faster scheduling. Self-guided tools and crisis support are also available.
Wellness and Discount Programs
Regence offers discounts on fitness devices, alternative care, and wellness products. Members can save on gym memberships, acupuncture, and baby essentials. These perks encourage healthy lifestyles.
The Regence website lists all discounts. Members must log in to access these benefits.
Costs and Affordability
Premiums vary by plan tier and coverage level. Bronze plans start around $350 monthly, while Gold plans may exceed $600. Deductibles range from $0 (Silver 6500) to $8,500 (Bronze Essential).
Out-of-pocket maximums cap annual expenses. Health Savings Account (HSA)-eligible plans help cover costs with pre-tax dollars.
How to Enroll in Regence Plans
Enroll through the ACA Marketplace, Regence’s website, or a licensed agent. Marketplace enrollment runs from November 1 to January 15. Off-exchange plans are available year-round for those ineligible for subsidies.
Medicare Advantage enrollment occurs during the Annual Election Period. Use Regence’s online tools to compare plans.
Steps to Choose the Right Plan
Consider these factors when selecting a plan:
- Assess your healthcare needs (e.g., frequent doctor visits or prescriptions).
- Check if your preferred doctors are in-network.
- Compare premiums, deductibles, and copays.
- Review additional benefits like telehealth or discounts.
Contact Regence at 1-844-734-3623 for personalized help. Agents can guide you through options.
Appealing a Coverage Denial
If Regence denies a claim or coverage, you can appeal. Review the denial letter for reasons, such as missing documentation. Submit additional records through your provider or Regence’s portal.
Follow the appeal process on Regence’s website. Appeals typically resolve within 30 days.
Chronic Condition Support
Regence Blue Cross Blue Shield Utah supports chronic conditions like diabetes or heart disease. Plans cover low-cost insulin and medications for hypertension. Nutrition counseling and disease management programs are included.
Members with chronic conditions may qualify for Mom’s Meals. This delivers healthy meals post-hospitalization.
Coverage for Small Businesses
Regence offers group plans for businesses with 1–50 employees. These include medical, dental, and vision options. Plans are customizable to balance cost and coverage.
Employers can request quotes via Regence’s website. A group census form helps tailor plans to employee needs.
Medicare and Retiree Coverage
Regence’s Medicare Advantage plans include prescription drug coverage and $0 copays for some services. Plans cover 12 Utah counties, with national access via Blue Cross Blue Shield. Retirees with Medicare can coordinate benefits for lower costs.
Valiance plans offer veterans extra flexibility. Check eligibility with Regence’s Medicare team.
Using Regence’s Member Tools
Regence’s website and app let members manage benefits. You can view claims, check drug coverage, and find providers. The Find A Doctor tool connects you to in-network care.
Set up an account at regence.com. This simplifies plan management and access to resources.
Why Choose Regence Blue Cross Blue Shield Utah?
Regence is Utah’s largest insurer, serving nearly 1% of individual plan holders. Its nonprofit status prioritizes member care over profit. The company earned a 4-star CMS rating for Medicare Advantage plans.
Access to University of Utah hospitals and national providers ensures quality care. Regence’s focus on innovation reduces healthcare confusion.
Supporting Community and Diversity
Regence Blue Cross Blue Shield Utah champions diversity through Employee Resource Groups. These support women, veterans, and LGBTQIA+ members. The company offers 12 weeks of paid parental leave and flexible work options.
Community partnerships, like Utah State University’s Blue Plate Research, promote health initiatives. Regence sponsors local health policy events.
What to Discuss with Your Agent
Before enrolling, discuss your healthcare needs with a Regence agent. Share your medical history, preferred providers, and budget. Ask about telehealth, mental health coverage, and discounts.
Agents can clarify prior authorization or appeal processes. This ensures you pick the right plan.
Summary
Regence Blue Cross Blue Shield Utah offers comprehensive health plans for individuals, families, businesses, and Medicare beneficiaries. With two networks, telehealth, and chronic condition support, it provides flexible, affordable care.
Premiums range from $350–$650, with varying deductibles and copays. Enroll through the Marketplace or Regence’s website, and use member tools to maximize benefits.
FAQ Section
What plans does Regence Blue Cross Blue Shield Utah offer?
Regence offers individual, family, group, and Medicare Advantage plans. These include Bronze, Silver, and Gold tiers, plus dental and vision. Check regence.com for details.
Does Regence cover prescription drugs?
Yes, Regence covers medications through its formulary. Members can use Express Scripts for 90-day mail-order supplies. Copays vary by plan and drug tier.
How much do Regence plans cost?
Premiums range from $350 (Bronze) to $650 (Gold) monthly. Deductibles vary from $0 to $8,500. Confirm costs with Regence for your specific plan.
Can I appeal a Regence coverage denial?
Yes, submit additional documentation through your provider or Regence’s portal. Follow the appeal process on regence.com. Appeals typically resolve within 30 days.
Does Regence offer telehealth services?
Regence provides 24/7 telehealth via Doctor On Demand for urgent and mental health care. Copays are often lower than in-person visits. Access through the Regence app.