2020 Oregon Small Group Plans
The information on this page is for small group plans beginning January 1, 2020. Small groups in Oregon are employers with one to 50 employees.
Quicklinks
Learn what we have to offer
Download a brochure (PDFs):
At your service: plans and networks come with choice
PacificSource is excited to introduce Navigator, Voyager, and Pathfinder (an additional option for the Portland area), which join SmartChoice (Southern Oregon and Willamette Valley) in Oregon.
Navigator—for exceptional coordinated care
Navigator gives you a more integrated approach to care—helping members get the right care, at the right time, in the right place. It’s care that’s coordinated to simplify the member experience, improve access to care, and promote member engagement through shared decision-making within an accountable network of providers.
Navigator is available for purchase by employers located in the following counties:
- Clackamas
- Crook
- Deschutes
- Jefferson
- Multnomah
- Washington
- Yamhill
Pathfinder—an additional choice that’s uniquely Portland
As a coordinated care product for the Portland tri-county area, Pathfinder is powered by Legacy Health and OHSU Health, which includes Tuality Healthcare and Adventist Health Portland. Pathfinder is also a coordinated care product, focusing on exceptional access to local providers, and promoting member engagement within an accountable network of providers.
Pathfinder is available for purchase by employers located in the following counties:
- Clackamas
- Multnomah
- Washington
SmartChoice—serving Southern Oregon and the Willamette Valley
SmartChoice is coordinated care powered by select provider groups, including Legacy Health, OHSU Health, McKenzie-Willamette Medical Center, PeaceHealth, and Samaritan Health Services.
SmartChoice is available for purchase by employers located in the following counties:
- Benton
- Coos
- Curry
- Douglas
- Jackson
- Josephine
- Lane
- Linn
- Marion
- Polk
Voyager gives you the broadest choice of networks
Voyager is our rebranded evolution of the PSN (PacificSource Network) product. As a preferred provider organization (PPO), Voyager means greater choice for members. For those who prefer a more self-guided experience, Voyager gives members expanded access to our broadest network of providers.
Voyager is available for purchase by businesses located throughout the state of Oregon.
Review medical plans
Deductible and out-of-pocket limit amounts shown below are the costs for individuals. Amounts for families are twice the individual amounts. If members receive services from out-of-network providers, their deductible and out-of-pocket limit will be higher than the amounts listed in the chart below. Plans are available direct with PacificSource and through
OregonHealthcare.gov, unless otherwise noted.
Medical handbook samples (PDFs):
-
Navigator - all HSA, Silver 3000, and Bronze 7500 plans
-
Navigator - other Platinum, Gold, and Silver plans with adult vision
-
Pathfinder - all HSA, Silver 3000, and Bronze 7500 plans
-
Pathfinder - other Platinum, Gold, and Silver plans with adult vision
-
SmartChoice - all HSA, Silver 3000, and Bronze 7500 plans
-
SmartChoice - other Platinum, Gold, and Silver plans with adult vision
-
Voyager - all HSA, Silver 3000, and Bronze 7500 plans
-
Voyager - other Platinum, Gold, and Silver plans with adult vision
-
Voyager - Standard plans
Plan |
Deductible |
Out-of-pocket Maximum |
Preventive Services
No deductible, member pays: |
Office Visits
After deductible, member pays: |
SBCs (PDFs)
by
Network |
Summaries (PDFs)
by
Network |
Platinum 500^ |
$500 |
$3,000 |
Covered in Full |
Primary/Urgent Care: $10*
Specialist: $20* |
Navigator /
Pathfinder /
SmartChoice /
Voyager |
Navigator /
Pathfinder /
SmartChoice /
Voyager |
Gold 1000^ |
$1,000 |
$5,500 |
Covered in Full |
Primary/Urgent Care: $25*
Specialist: $60* |
Navigator /
Pathfinder /
SmartChoice /
Voyager |
Navigator /
Pathfinder /
SmartChoice /
Voyager |
Gold 2000^ |
$2,000 |
$5,500 |
Covered in Full |
Primary/Urgent Care: $25*
Specialist: $60* |
Navigator /
Pathfinder /
SmartChoice /
Voyager |
Navigator /
Pathfinder /
SmartChoice /
Voyager |
Gold 2500^ |
$2,500 |
$5,500 |
Covered in Full |
Primary/Urgent Care: $25*
Specialist: $60* |
Navigator /
Pathfinder /
SmartChoice /
Voyager |
Navigator /
Pathfinder /
SmartChoice /
Voyager |
Gold 3500^ |
$3,500 |
$5,500 |
Covered in Full |
Primary/Urgent Care: $25*
Specialist: $60* |
Navigator /
Pathfinder /
SmartChoice /
Voyager |
Navigator /
Pathfinder /
SmartChoice /
Voyager |
Silver 3000 |
$3,000 |
$8,150 |
Covered in Full |
Primary/Urgent Care: $35*
Specialist: 40% |
Navigator /
Pathfinder /
SmartChoice /
Voyager |
Navigator /
Pathfinder /
SmartChoice /
Voyager |
Silver 4500^ |
$4,500 |
$7,500 |
Covered in Full |
Primary/Urgent Care: $30*
Specialist: $60* |
Navigator /
Pathfinder /
SmartChoice /
Voyager |
Navigator /
Pathfinder /
SmartChoice /
Voyager |
Silver 5500^ |
$5,500 |
$7,500 |
Covered in Full |
Primary/Urgent Care: $30*
Specialist: $60* |
Navigator /
Pathfinder /
SmartChoice /
Voyager |
Navigator /
Pathfinder /
SmartChoice /
Voyager |
Silver 6500^ |
$6,500 |
$7,500 |
Covered in Full |
Primary/Urgent Care: $30*
Specialist: $60* |
Navigator /
Pathfinder /
SmartChoice /
Voyager |
Navigator /
Pathfinder /
SmartChoice /
Voyager |
Bronze 7500 |
$7,500 |
$7,500 |
Covered in Full |
Primary/Urgent Care: $35*
Specialist: Covered in Full |
Navigator /
Pathfinder /
SmartChoice /
Voyager |
Navigator /
Pathfinder /
SmartChoice /
Voyager |
Gold HSA 3000 |
$3,000 |
$3,000 |
Covered in Full |
Covered in Full |
Navigator /
Pathfinder /
SmartChoice /
Voyager |
Navigator /
Pathfinder /
SmartChoice /
Voyager (rev. 10/15/19) |
Silver HSA 3000 |
$3,000 |
$6,750 |
Covered in Full |
20% |
Navigator /
Pathfinder /
SmartChoice /
Voyager |
Navigator /
Pathfinder (rev. 10/15/19) /
SmartChoice /
Voyager |
Silver HSA 4500 |
$4,500 |
$4,500 |
Covered in Full |
Covered in Full |
Navigator /
Pathfinder /
SmartChoice /
Voyager |
Navigator /
Pathfinder (rev. 10/15/19) /
SmartChoice /
Voyager |
Silver HSA 5500 |
$5,500 |
$5,500 |
Covered in Full |
Covered in Full |
Navigator /
Pathfinder /
SmartChoice /
Voyager |
Navigator /
Pathfinder (rev. 10/15/19) /
SmartChoice /
Voyager |
Bronze HSA 5000 |
$5,000 |
$6,750 |
Covered in Full |
50% |
Navigator /
Pathfinder /
SmartChoice /
Voyager |
Navigator /
Pathfinder /
SmartChoice /
Voyager |
Bronze HSA 6750 |
$6,750 |
$6,750 |
Covered in Full |
Covered in Full |
Navigator /
Pathfinder /
SmartChoice /
Voyager |
Navigator /
Pathfinder /
SmartChoice /
Voyager |
Standard Gold** |
$1,000 |
$7,300 |
Covered in Full |
Primary: $20*
Urgent Care: $60*
Specialist: $40* |
Voyager |
Voyager |
Standard Silver** |
$3,550 |
$8,150 |
Covered in Full |
Primary: $40*
Urgent Care: $70*
Specialist: $80* |
Voyager |
Voyager |
Standard Bronze** |
$7,900 |
$7,900 |
Covered in Full |
Primary: $45*
Urgent Care: Covered in Full
Specialist: $90* |
Voyager |
Voyager |
^Adult vision included on this plan.
*Not subject to deductible.
**Only available on the Voyager network.
Decide on dental plans
Dental handbook samples (PDFs):
Summaries (PDFs):
^ Available direct from PacificSource only.
* Additional eligibility requirements may apply.
Brochures, enrollment forms, and more
Brochures (PDFs):
Quote Request and Enrollment Forms (PDFs):
Visit our
Oregon Forms and Materials page for more sales materials.