Health Plans

PacificSource Health Plans of Oregon

PacificSource Health Plans in Oregon

PacificSource Health Plans (Pacific Source) offers an array of health plans to meet the needs of Oregon individuals and families. Choosing the right plan is easy if you know what features are important to you.

At PacificSource, we make health insurance easy, putting you at the center of everything we do.

  • Our plans offer a range of premiums and deductibles so you can find the coverage that fits you best.
  • We have more than 46,300 providers across our networks to give you the maximum choice of doctors and other healthcare professionals.
  • We’re known for taking good care of people. Members can call our toll-free number to speak with a Customer Service Representative. Real people always answer the phone.
  • We give you the tools to manage your coverage so you can get the information you need, when and where you need it.

Our PSN Plans Feature:

  • No-cost preventive care
  • Naturopathy office visits are covered as any other office visit (not specialty visits)
  • Prescription drug coverage included in all plans
  • Receive the most benefit from your plan when you see participating PSN providers
  • All covered services on your medical plan—including co-pays, co-insurance, and prescriptions—apply toward the annual out-of-pocket limit
  • Value-added extras, such as our 24-Hour NurseLine, weight management program discounts, tobacco cessation support, and more

PSN Highlights

When you choose a PSN plan, you have the freedom to see any PSN doctor, any time—no primary care provider (PCP) required. With PSN, you’ll want to see participating providers to receive the most benefit from your plan.

If you receive services from doctors or facilities outside of the PSN network, your plan will pay the nonparticipating benefit rate.

  • Referrals are not required
  • Access to participating PSN providers in Oregon, Idaho, Montana and southern counties in Washington, as well as access to a nationwide travel network of providers
  • Plans eligible for health savings accounts

Our SmartHealth Plans Feature:

  • No-cost preventive care
  • Naturopathy office visits are covered as any other office visit (not specialty visits)
  • Prescription drug coverage included in all plans
  • Receive the most benefit from your plan when you see participating SmartHealth providers
  • All covered services on your medical plan—including co-pays, co-insurance, and prescriptions—apply toward the annual out-of-pocket limit
  • Value-added extras, such as our 24-Hour NurseLine, weight management program discounts, tobacco cessation support, and more

SmartHealth Highlights

  • Choice of top quality primary care doctors (providers)
  • Primary care provider (PCP) provides referrals for specialty care
  • Two tiers of participating providers to choose from
  • Plans eligible for health savings accounts

10 Essential Benefits

Healthcare reform says all health plans must include ten essential benefits. The basic benefits include:

  1. Outpatient Care - the kind you get without being admitted to a hospital
  2. Emergency Services - for issues that could lead to death or disable you if you do not treat them.
  3. Inpatient Care - covers room and board, tests, drugs, and care from doctors and nurses while admitted, which may include organ and tissue transplants, and hospice and respite care.
  4. Maternity and Newborn Care - care before and after your baby is born
  5. Mental Health and Substance Use Disorder Services - this includes behavioral health treatment, counseling, and psychotherapy.
  6. Prescription Drugs - covers retail, mail order, and specialty drugs.
  7. Rehabilitative and Habilitative Services - services and devices to help you recover if you are injured, or have a disability or chronic condition. This includes physical and occupational therapy, speech-language pathology, psychiatric rehabilitation, and more.
  8. Laboratory Services - covers lab tests, X-ray services, and pathology, and imaging and diagnostics such as MRI, CT scan, and PET scan.
  9. Preventive and Wellness Services - including mammograms, colonoscopies, vaccines. Covered in full if you use in-network providers for care such as routine physicals, screening, and immunizations. Disease management coordinates care for diabetes, asthma, and other conditions.
  10. Pediatric Services - including dental care (preventive, basic, major) and vision care (eye exam, lenses, and eyewear).