What comes out of my pay?How much will I pay out of my own pocket?What is Snap Finance contributing?What will I pay after I meet my deductible?Will my doctor be in-network?
Network Options: Participating Network (includes IHC) and ValueCare Network
You’ve built a trusting relationship and you want to keep it. But, did you know that you can also save money by using an in-network provider? That’s why you will be able to choose a provider network that is right for you and your family’s health and wellbeing.
When visiting the Regence website, you’ll need to select the correct network for your plan, either the National Blue Card Participating (Participating) or National Blue Card PPO (Valuecare)
(888) 367-2119 | regence.com
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Medical Plan |
Regence BlueCross BlueShield - Traditional $1,500 PPO Plan
With this Traditional $1,500 PPO Plan you you will have access to the Participating Network (which includes IHC). An important thing to know about this plan is that both the family deductible and family out-of-pocket maximum are embedded. This means that on a family plan each covered member must meet their individual deductible — up to the maximum family deductible — and each covered member has an individual out-of-pocket maximum — up to the family out-of-pocket maximum.
Please check with Regence BlueCross BlueShield to see if your provider is in the Participating Network so that you can take advantage of greater discounts on care for you and your family.
With this Traditional $1,500 PPO Plan you you will have access to the Participating Network (which includes IHC). An important thing to know about this plan is that both the family deductible and family out-of-pocket maximum are embedded. This means that on a family plan each covered member must meet their individual deductible — up to the maximum family deductible — and each covered member has an individual out-of-pocket maximum — up to the family out-of-pocket maximum.
Please check with Regence BlueCross BlueShield to see if your provider is in the Participating Network so that you can take advantage of greater discounts on care for you and your family.
BLUECROSS BLUESHIELD – TRADITIONAL $1,500 PLAN
PARTICIPATING NETWORK (INCLUDING IHC) (UTAH ONLY)
PARTICIPATING NETWORK (INCLUDING IHC) (UTAH ONLY)
In-Network
Out-of-Network*
Annual Deductible
Embedded
January 1 — December 31
Embedded
January 1 — December 31
You pay up to
$1,500 per individual
$3,000 per family
$1,500 per individual
$3,000 per family
You pay up to
$3,000 per individual
$6,000 per family
$3,000 per individual
$6,000 per family
Coinsurance
You pay 20% AD
You pay 50% AD
Out-of-pocket Maximum
Embedded
January 1 — December 31
Embedded
January 1 — December 31
No more than
$4,000 per individual
$8,000 per family
$4,000 per individual
$8,000 per family
No more than
$8,000 per individual
$16,000 per family
$8,000 per individual
$16,000 per family
Preventive Services
You pay
$0 according to government guidelines
$0 according to government guidelines
You pay
50% AD
50% AD
Office Visits
Primary Care
Specialist
Minor Lab Tests and X-Ray
Major Lab Tests and MRI/CT
Primary Care
Specialist
Minor Lab Tests and X-Ray
Major Lab Tests and MRI/CT
You pay
$25 copay
$50 copay
Covered 100%
20% AD
$25 copay
$50 copay
Covered 100%
20% AD
You pay
50% AD
50% AD
50% AD
50% AD
50% AD
50% AD
50% AD
50% AD
Mental Health Services
Office Visit
Inpatient
Outpatient
Office Visit
Inpatient
Outpatient
You pay
$25 copay
20% AD
20% AD
$25 copay
20% AD
20% AD
You pay
50% AD
50% AD
50% AD
50% AD
50% AD
50% AD
Emergency Services
Urgent Care
Emergency Room
Ambulance
Urgent Care
Emergency Room
Ambulance
You pay
See Office Visits & Tests
$250 copay then 20% AD
20% AD
See Office Visits & Tests
$250 copay then 20% AD
20% AD
You pay
50% AD
Covered as In-Network
Covered as In-Network
50% AD
Covered as In-Network
Covered as In-Network
Inpatient & Outpatient
Inpatient Hospital
Outpatient Surgery
Inpatient Hospital
Outpatient Surgery
You pay
20% AD
20% AD
20% AD
20% AD
You pay
50% AD
50% AD
50% AD
50% AD
Prescription Medication
Generic Brand / Preferred Brand / Non-preferred Brand / Specialty
Retail (30-day supply)
Mail Order (90-day supply)
Mail Order (90-day supply)
You pay $15 / $35 / $65 / $100
You pay $37.50 / $87.50 / $162.50 / N/A
You pay $37.50 / $87.50 / $162.50 / N/A
Health Care Account
Flexible Spending Account (FSA)
AD: After Deductible
* Providers may charge more than the plan allows when you receive services out-of-network. It is recommended that you ask the out-of-network provider about their billed charges before planning care.
* Providers may charge more than the plan allows when you receive services out-of-network. It is recommended that you ask the out-of-network provider about their billed charges before planning care.
EMPLOYEE COST PER PAY PERIOD
Employee
Only
Only
Employee +
Spouse
Spouse
Employee +
Child(ren)
Child(ren)
Employee +
Family
Family
$119.30
$268.30
$256.40
$369.45
Regence BlueCross BlueShield - Traditional $1,500 PPO Plan
With this Traditional $1,500 PPO Plan you you will have access to the ValueCare Network. An important thing to know about this plan is that both the family deductible and family out-of-pocket maximum are embedded. This means that on a family plan each covered member must meet their individual deductible — up to the maximum family deductible — and each covered member has an individual out-of-pocket maximum — up to the family out-of-pocket maximum.
Please check with Regence BlueCross BlueShield to see if your provider is in the ValueCare Network so that you can take advantage of greater discounts on care for you and your family.
With this Traditional $1,500 PPO Plan you you will have access to the ValueCare Network. An important thing to know about this plan is that both the family deductible and family out-of-pocket maximum are embedded. This means that on a family plan each covered member must meet their individual deductible — up to the maximum family deductible — and each covered member has an individual out-of-pocket maximum — up to the family out-of-pocket maximum.
Please check with Regence BlueCross BlueShield to see if your provider is in the ValueCare Network so that you can take advantage of greater discounts on care for you and your family.
BLUECROSS BLUESHIELD – TRADITIONAL $1,500 PLAN
VALUECARE NETWORK
VALUECARE NETWORK
In-Network
Out-of-Network*
Annual Deductible
Embedded
January 1 — December 31
Embedded
January 1 — December 31
You pay up to
$1,500 per individual
$3,000 per family
$1,500 per individual
$3,000 per family
You pay up to
$3,000 per individual
$6,000 per family
$3,000 per individual
$6,000 per family
Coinsurance
You pay 20% AD
You pay 50% AD
Out-of-pocket Maximum
Embedded
January 1 — December 31
Embedded
January 1 — December 31
No more than
$4,000 per individual
$8,000 per family
$4,000 per individual
$8,000 per family
No more than
$8,000 per individual
$16,000 per family
$8,000 per individual
$16,000 per family
Preventive Services
You pay
$0 according to government guidelines
$0 according to government guidelines
You pay
50% AD
50% AD
Office Visits
Primary Care
Specialist
Minor Lab Tests and X-Ray
Major Lab Tests and MRI/CT
Primary Care
Specialist
Minor Lab Tests and X-Ray
Major Lab Tests and MRI/CT
You pay
$25 copay
$50 copay
Covered 100%
20% AD
$25 copay
$50 copay
Covered 100%
20% AD
You pay
50% AD
50% AD
50% AD
50% AD
50% AD
50% AD
50% AD
50% AD
Mental Health Services
Office Visit
Inpatient
Outpatient
Office Visit
Inpatient
Outpatient
You pay
$25 copay
20% AD
20% AD
$25 copay
20% AD
20% AD
You pay
50% AD
50% AD
50% AD
50% AD
50% AD
50% AD
Emergency Services
Urgent Care
Emergency Room
Ambulance
Urgent Care
Emergency Room
Ambulance
You pay
See Office Visits & Tests
$250 copay then 20% AD
20% AD
See Office Visits & Tests
$250 copay then 20% AD
20% AD
You pay
50% AD
Covered as In-Network
Covered as In-Network
50% AD
Covered as In-Network
Covered as In-Network
Inpatient & Outpatient
Inpatient Hospital
Outpatient Surgery
Inpatient Hospital
Outpatient Surgery
You pay
20% AD
20% AD
20% AD
20% AD
You pay
50% AD
50% AD
50% AD
50% AD
Prescription Medication
Generic Brand / Preferred Brand / Non-preferred Brand / Specialty
Retail (30-day supply)
Mail Order (90-day supply)
Mail Order (90-day supply)
You pay $15 / $35 / $65 / $100
You pay $37.50 / $87.50 / $162.50 / N/A
You pay $37.50 / $87.50 / $162.50 / N/A
Health Care Account
Flexible Spending Account (FSA)
AD: After Deductible
* Providers may charge more than the plan allows when you receive services out-of-network. It is recommended that you ask the out-of-network provider about their billed charges before planning care.
* Providers may charge more than the plan allows when you receive services out-of-network. It is recommended that you ask the out-of-network provider about their billed charges before planning care.
EMPLOYEE COST PER PAY PERIOD
Employee
Only
Only
Employee +
Spouse
Spouse
Employee +
Child(ren)
Child(ren)
Employee +
Family
Family
$94.35
$212.65
$203.15
$292.90
Regence BlueCross BlueShield - Traditional $3,000 PPO Plan
With this Traditional $3,000 PPO Plan you you will have access to the ValueCare Network. An important thing to know about this plan is that both the family deductible and family out-of-pocket maximum are embedded. This means that on a family plan each covered member must meet their individual deductible — up to the maximum family deductible — and each covered member has an individual out-of-pocket maximum — up to the family out-of-pocket maximum.
Please check with Regence BlueCross BlueShield to see if your provider is in the ValueCare Network so that you can take advantage of greater discounts on care for you and your family.
With this Traditional $3,000 PPO Plan you you will have access to the ValueCare Network. An important thing to know about this plan is that both the family deductible and family out-of-pocket maximum are embedded. This means that on a family plan each covered member must meet their individual deductible — up to the maximum family deductible — and each covered member has an individual out-of-pocket maximum — up to the family out-of-pocket maximum.
Please check with Regence BlueCross BlueShield to see if your provider is in the ValueCare Network so that you can take advantage of greater discounts on care for you and your family.
BLUECROSS BLUESHIELD – TRADITIONAL $3,000 PLAN
VALUECARE NETWORK
VALUECARE NETWORK
In-Network
Out-of-Network*
Annual Deductible
Embedded
January 1 — December 31
Embedded
January 1 — December 31
You pay up to
$3,000 per individual
$6,000 per family
$3,000 per individual
$6,000 per family
You pay up to
$6,000 per individual
$12,000 per family
$6,000 per individual
$12,000 per family
Coinsurance
You pay 20% AD
You pay 50% AD
Out-of-pocket Maximum
Embedded
January 1 — December 31
Embedded
January 1 — December 31
No more than
$4,000 per individual
$8,000 per family
$4,000 per individual
$8,000 per family
No more than
$8,000 per individual
$16,000 per family
$8,000 per individual
$16,000 per family
Preventive Services
You pay
$0 according to government guidelines
$0 according to government guidelines
You pay
50% AD
50% AD
Office Visits
Primary Care
Specialist
Minor Lab Tests and X-Ray
Major Lab Tests and MRI/CT
Primary Care
Specialist
Minor Lab Tests and X-Ray
Major Lab Tests and MRI/CT
You pay
$30 copay
$55 copay
Covered 100%
20% AD
$30 copay
$55 copay
Covered 100%
20% AD
You pay
50% AD
50% AD
50% AD
50% AD
50% AD
50% AD
50% AD
50% AD
Mental Health Services
Office Visit
Inpatient
Outpatient
Office Visit
Inpatient
Outpatient
You pay
$30 copay
20% AD
20% AD
$30 copay
20% AD
20% AD
You pay
50% AD
50% AD
50% AD
50% AD
50% AD
50% AD
Emergency Services
Urgent Care
Emergency Room
Ambulance
Urgent Care
Emergency Room
Ambulance
You pay
See Office Visits & Tests
$250 copay then 20% AD
20% AD
See Office Visits & Tests
$250 copay then 20% AD
20% AD
You pay
50% AD
Covered as In-Network
Covered as In-Network
50% AD
Covered as In-Network
Covered as In-Network
Inpatient & Outpatient
Inpatient Hospital
Outpatient Surgery
Inpatient Hospital
Outpatient Surgery
You pay
20% AD
20% AD
20% AD
20% AD
You pay
50% AD
50% AD
50% AD
50% AD
Prescription Medication
Generic Brand / Preferred Brand / Non-preferred Brand / Specialty
Retail (30-day supply)
Mail Order (90-day supply)
Mail Order (90-day supply)
You pay $15 / $35 / $65 / $100
You pay $37.50 / $87.50 / $162.50 / N/A
You pay $37.50 / $87.50 / $162.50 / N/A
Health Care Account
Flexible Spending Account (FSA)
AD: After Deductible
* Providers may charge more than the plan allows when you receive services out-of-network. It is recommended that you ask the out-of-network provider about their billed charges before planning care.
* Providers may charge more than the plan allows when you receive services out-of-network. It is recommended that you ask the out-of-network provider about their billed charges before planning care.
EMPLOYEE COST PER PAY PERIOD
Employee
Only
Only
Employee +
Spouse
Spouse
Employee +
Child(ren)
Child(ren)
Employee +
Family
Family
$72.00
$161.70
$154.45
$222.85
Regence BlueCross BlueShield - $2,000 Qualified High Deductible Health Plan
With this $2,000 Qualified High Deductible Health Plan you you will have access to the ValueCare Network. An important thing to know about this plan is that the family deductible is non-embedded. A non-embedded deductible is more straightforward than an embedded deductible. With a non-embedded deductible, there is only a family deductible. All family members’ out-of-pocket expenses count toward the family deductible until it is met, and then they are all covered with the health plan’s usual copays or coinsurance. It doesn’t matter if one person incurs all the expenses that meet the deductible or if two or more family members contribute toward meeting the family deductible. The non-embedded deductible is most common in high deductible health plans.
Please check with Regence BlueCross BlueShield to see if your provider is in the ValueCare Network so that you can take advantage of greater discounts on care for you and your family.
With this $2,000 Qualified High Deductible Health Plan you you will have access to the ValueCare Network. An important thing to know about this plan is that the family deductible is non-embedded. A non-embedded deductible is more straightforward than an embedded deductible. With a non-embedded deductible, there is only a family deductible. All family members’ out-of-pocket expenses count toward the family deductible until it is met, and then they are all covered with the health plan’s usual copays or coinsurance. It doesn’t matter if one person incurs all the expenses that meet the deductible or if two or more family members contribute toward meeting the family deductible. The non-embedded deductible is most common in high deductible health plans.
Please check with Regence BlueCross BlueShield to see if your provider is in the ValueCare Network so that you can take advantage of greater discounts on care for you and your family.
BLUECROSS BLUESHIELD – QHDHP $2,000 PLAN
+ THRIVEPASS HSA – VALUECARE NETWORK
+ THRIVEPASS HSA – VALUECARE NETWORK
In-Network
Out-of-Network*
Annual Deductible
January 1 — December 31
January 1 — December 31
You pay up to
$2,000 per individual
$4,000 per family
$2,000 per individual
$4,000 per family
You pay up to
$4,000 per individual
$8,000 per family
$4,000 per individual
$8,000 per family
Coinsurance
You pay 20% AD
You pay 50% AD
Out-of-pocket Maximum
Embedded
January 1 — December 31
Embedded
January 1 — December 31
No more than
$4,000 per individual
$8,000 per family
$4,000 per individual
$8,000 per family
No more than
$8,000 per individual
$16,000 per family
$8,000 per individual
$16,000 per family
Preventive Services
You pay
$0 according to government guidelines
$0 according to government guidelines
You pay
50% AD
50% AD
Office Visits
Primary Care
Specialist
Minor Lab Tests and X-Ray
Major Lab Tests and MRI/CT
Primary Care
Specialist
Minor Lab Tests and X-Ray
Major Lab Tests and MRI/CT
You pay
20% AD
20% AD
Covered 100%
20% AD
20% AD
20% AD
Covered 100%
20% AD
You pay
50% AD
50% AD
50% AD
50% AD
50% AD
50% AD
50% AD
50% AD
Mental Health Services
Office Visit
Inpatient
Outpatient
Office Visit
Inpatient
Outpatient
You pay
20% AD
20% AD
20% AD
20% AD
20% AD
20% AD
You pay
50% AD
50% AD
50% AD
50% AD
50% AD
50% AD
Emergency Services
Urgent Care
Emergency Room
Ambulance
Urgent Care
Emergency Room
Ambulance
You pay
See Office Visits & Tests
20% AD
20% AD
See Office Visits & Tests
20% AD
20% AD
You pay
50% AD
Covered as In-Network
Covered as In-Network
50% AD
Covered as In-Network
Covered as In-Network
Inpatient & Outpatient
Inpatient Hospital
Outpatient Surgery
Inpatient Hospital
Outpatient Surgery
You pay
20% AD
20% AD
20% AD
20% AD
You pay
50% AD
50% AD
50% AD
50% AD
Prescription Medication
Generic Brand / Preferred Brand / Non-preferred Brand / Specialty
Retail (30-day supply)
Mail Order (90-day supply)
Mail Order (90-day supply)
You pay $15 AD / $35 AD / $65 AD / $100 AD
You pay $37.50 AD / $87.50 AD / $162.50 AD / N/A
You pay $37.50 AD / $87.50 AD / $162.50 AD / N/A
Health Care Account
Health Savings Account (HSA)
AD: After Deductible
* Providers may charge more than the plan allows when you receive services out-of-network. It is recommended that you ask the out-of-network provider about their billed charges before planning care.
* Providers may charge more than the plan allows when you receive services out-of-network. It is recommended that you ask the out-of-network provider about their billed charges before planning care.
EMPLOYEE COST PER PAY PERIOD
Employee
Only
Only
Employee +
Spouse
Spouse
Employee +
Child(ren)
Child(ren)
Employee +
Family
Family
$20.70
$133.20
$127.20
$183.40
This information is designed to help you choose a benefit plan for 2025 only. Please refer to the Plan Documents provided by the carrier for information regarding coverage, limitations and exclusions. If there is a difference between this guide and the Plan Documents, the Plan Documents prevail.
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Additional Medical Resources |
The Diathrive Solution
The Diathrive Health solution solves key problems with diabetes care: access and affordability.
Diathrive Health’s unique diabetes management solution saves employers money by providing top-quality glucose management supplies for much less, and by helping members uncover and address psychosocial barriers to managing a chronic disease. With their immersive, engaging platform, people are improving medication adherence, lowering A1c, reducing diabetes distress, and achieving better health.
Diathrive is available to employees who are enrolled in a Snap Finance Medical Plan.
Unlimited Supplies
Team members get access to unlimited supplies with NO out-ofpocket cost so they always have what they need to check blood sugar and get the info needed to make health decisions.
Diathrive Health App
The Diathrive Health mobile app is the hub for everything members need:
- Sync and review health data
- Reorder supplies
- Access our library of educational articles
- Connect with a personal Health Advisor
Health Advisor
This is more than just health coaching. Members get access to a personal Health Advisor to review health data, assess personal psychosocial and behavioral barriers, and help create an individualized care plan. Health Advisors are credentialed in diabetes care: CDCES, RN, NP, RD, RDN, and others.
For those who are currently utilizing the group medical plan for their diabetes management, you will receive a Diathrive Starter Kit that will include instructions on how to get started and use the program.
