Innova and Engage, are two of our products designed for small employer groups (with 2-99 employees). Innova and Engage feature flexible options; allowing employers to choose copayment, coinsurance and deductible amounts. Members can seek services from any provider. These products include unique member cards, changes to payment vouchers, and dedicated Customer Service phone numbers for Innova and Engage questions.

Learn more about Innova and Engage

Health savings accounts (HSAs) were signed into federal law with the Medicare Prescription Drug Improvement and Modernization Act of 2003. The law’s intent was to pair high-deductible health plans with savings accounts that allow individuals to set aside tax-deductible, interest-earning funds to cover deductibles, coinsurance and other qualified medical expenses. Rolling over unused funds from year to year adds tax-sheltered investment and retirement-planning options.

The Regence HSA-qualified high deductible health plan uses either the Participating or Preferred provider network. Although Regence members may choose any financial institution to administer their HSA, our preferred financial services companies are HSA Bank and Wells Fargo. Both banks provide debit cards so that members may access HSA funds to cover qualified medical expenses.

• Your HSA Questions Answered (Includes Benefit Summary)
• HSA/FSA/HRA Comparison
  

To meet the changing needs of our customers, we are introducing BlueChoices, a new consumer-directed product portfolio designed to replace our current offerings of traditional, preferred and managed care products. BlueChoices products include BlueEssentials^SM, BluePreferred® and BlueClassic^SM. BlueChoices will initially be targeted to employer groups who renew or become effective on or after January 1, 2004. BlueChoices offers options in benefits, deductibles and well-established provider networks (Participating, Preferred Provider Plan [PPP], Preferred Care and Access). The resulting benefit-deductible-network combinations produce a wide range of coverage and premiums. All benefit designs encourage members to participate in decisions concerning their health care. BlueChoices is just the first in a generation of consumer-directed products to be created as we continue to evaluate the health-care environment and the needs of our customers.

• BlueChoices Benefit Summary

Blue Solution Adult and Child Plans were developed to offer affordable plans to employers who have been unable to offer health insurance to their employees in the past because of cost.

• Your Blue Solution Questions Answered (Includes Benefit Summary)

Our Blue Selections products, which include Blue Selections Basic, Plus and Premier, are being introduced July 1, 2004. These products offer individuals and families the coverage they need at prices that fit every budget.

• Blue Selections Benefit Summary