PacificSource Health Plans Review (2024)

Are PacificSource health plans good?

PacificSource health plans have good customer service but are more expensive than average. The company gets 15% fewer complaints than an average company its size.

PacificSource scores well on customer satisfaction from HealthCare.gov for plans in Montana and Oregon. That means most PacificSource customers in those states are happy with their doctors and how easy it is to get appointments and medical services.

However, PacificSource is more expensive than average across all levels of coverage.

PacificSource is a better deal in some states than others. For example, PacificSource has roughly average costs for a Silver health plan in Idaho. In Oregon, the same coverage costs $67 per month more than the state average.

PacificSource vs. average rates for the Pacific Northwest

While the company scores well on customer satisfaction, it is roughly average for managing ongoing conditions and for basic and preventive care in Oregon and Montana.

PacificSource dental insurance

PacificSource also sells dental insurance. The company has the most expensive dental insurance in Oregon and Montana at $55 per month on average for a 40-year-old.

Consider a lower-cost alternative like Kaiser Permanente. Its dental plans average $40 per month for a 40-year-old, and Kaiser has a strong reputation for customer service.

PacificSource Medicare Advantage

PacificSource Medicare Advantage plans cost $27 per month on average. That's 18% cheaper than the average rate for Medicare Advantage plans in Oregon, Idaho and Montana.

PacificSource also pays more when you go to the doctor or get a prescription filled. The company's annual limit on how much you'll pay for medical care, called an out-of-pocket maximum, is 5% lower than the average for Idaho, Oregon and Montana, saving you money if you reach the limit.

In addition, the amount you'll pay before PacificSource drug coverage starts, called a drug deductible, is 38% cheaper than the regional average for those three states.

PacificSource has a star rating of 3.5 out of 5 from the Centers for Medicare & Medicaid Services, a government organization. That's slightly lower than the 3.8 regional average.

Star ratings measure many parts of plan quality like customer service, ability to get care and patient outcomes. Consider Humana if you prioritize plan quality and don't mind paying a slightly higher monthly rate. It has a high rating of 4.4 out of 5 stars.

PacificSource Oregon Health Plan (OHP)

In Oregon, PacificSource also manages a free health insurance program for people who earn a low income, called the Oregon Health Plan (OHP) or Medicaid.

You can choose PacificSource as your Medicaid plan manager if you live in Portland or parts of Central Oregon.

PacificSource reviews and complaints

PacificSource has a generally good customer service reputation. However, your experience with the company will likely depend on where you live and what type of insurance you have.

In Oregon and Idaho, the company scored 3.5 out of 5 stars from the National Committee for Quality Assurance (NCQA) for overall quality. However, PacificSource offers better care for some services depending on where you live. For example, Oregon residents gave their primary care doctors 2 stars on average compared to Idaho's 4-star average.

PacificSource has high customer satisfaction scores from HealthCare.gov for its regular health insurance plans. However, the company scores slightly worse than average when it comes to Medicare Advantage plan quality according to the Centers for Medicare & Medicaid Services (CMS).

Frequently asked questions

Methodology

PacificSource health and dental insurance cost and customer satisfaction information came from HealthCare.gov. Medicare Advantage rate and quality data came from the Centers for Medicare & Medicaid Services.

Complaint information came from the National Association of Insurance Commissioners (NAIC). Other plan quality ratings came from the National Committee for Quality Assurance (NCQA).

Contact information and plan availability were taken from the PacificSource website.