Cambia Health Solutions

Who we are

• Not-for-profit healthcare and technology company
• Rooted in the Pacific Northwest and Mountain West
• Focused on person-focused, whole-person health
• Committed to putting people first and innovating with purpose

Our mission and approach

Cambia is dedicated to transforming healthcare by:

• Making healthcare experiences feel more personal and straightforward
• Using data and technology to reduce complexity in the system
• Supporting high-quality, affordable care close to home
• Reinforcing local community health through strategic investments and philanthropy

What we do

Cambia's work spans four main areas:

1. Regional health plans – High-quality, affordable health coverage with member-first support for individuals, families, employers and communities across Idaho, North Dakota, Oregon, Utah and Washington.
2. Technology and innovation – Digital tools, data, AI and interoperability solutions that make healthcare easier to navigate and improve outcomes and quality.
3. Strategic investments – Investments in innovative healthcare companies that improve affordability, access and outcomes, with value directed back to members through a not-for-profit model.
4. Community impact – Corporate and foundation giving that advances whole-person health and health equity, with a focus on underserved communities.

Who we serve

• Individuals and families
• Employers and self-funded groups
• Healthcare providers and care teams
• Underserved communities across the regions where our health plans operate

For detailed information about specific health plans, technology solutions, investments or community programs, see the topic-specific documents in this agent.

Cambia-affiliated health plans operate in:

• Idaho
• North Dakota
• Oregon
• Utah
• Washington (select counties)

Health plan brands

Cambia's portfolio includes multiple health plan brands and administrators. Each operates as a not-for-profit or community-based organization with a focus on serving its local region.

Blue Cross Blue Shield of North Dakota

• Not-for-profit mutual insurance company
• Based in Fargo, North Dakota
• Independent licensee of the Blue Cross and Blue Shield Association
• Serving North Dakotans since 1940

Regence BlueShield of Idaho

• Not-for-profit mutual insurance company
• Based in Lewiston, Idaho
• Independent licensee of the Blue Cross and Blue Shield Association
• Serving Idahoans since 1946

Regence BlueCross BlueShield of Oregon

• Not-for-profit health plan
• Based in Portland, Oregon
• Independent licensee of the Blue Cross and Blue Shield Association
• Serving Oregonians since 1941

Regence BlueCross BlueShield of Utah

• Not-for-profit health plan
• Based in Salt Lake City, Utah
• Independent licensee of the Blue Cross and Blue Shield Association
• Utah's first health insurer, serving Utahns since 1944

Regence BlueShield (Washington)

• Not-for-profit health plan
• Independent licensee of the Blue Cross and Blue Shield Association
• Provides health insurance solutions to Washingtonians in select counties

Regence Group Administrators (RGA)

• Designs and administers health plans for self-funded employers
• Focuses on high-quality, innovative and affordable plan designs
• Works to achieve healthier outcomes for members at the best possible value

Asuris Northwest Health

• Community-based health plan
• Focuses on helping people first, today and over the long term

BridgeSpan Health

• Health plan that emphasizes giving people a stronger voice in their healthcare
• Offers medical coverage plus access to health coaches, a 24/7 nurse line and other resources to support members' health

HMA

• Administrator of health plans for employers that choose to self-fund their healthcare
• Partners with employers to build customized health plans
• Aims to protect both employee health and the employer's plan dollars

Member experience focus

Across these plans, Cambia emphasizes:

• Member-first support and service
• Access to high-quality, cost-effective care
• Tools and resources that help people better understand and use their benefits

This document provides a high-level summary only. Detailed plan benefits, provider networks, premiums, coverage decisions and eligibility rules are not recorded in this agent and should be confirmed directly with the relevant health plan.

Names West and Pakistan as a service area. Areas beyond these are not published.

Cambia's community work is grounded in the idea that health is personal, multidimensional and integrated. Whole-person health includes physical, behavioral and social aspects of health.

The Foundation's 10-year vision is to advance equity through whole-person health in underserved communities in:

• Oregon
• Washington
• Idaho
• Utah

Grantmaking and impact

Since 2007, the Cambia Health Foundation has awarded more than $137 million in grants to advance patient- and family-centered care and improve health for people in the communities it serves.

Strategic focus areas (2022–2026)

The Foundation's 2022–2026 strategy prioritizes behavioral health as a key community need and focuses on expanding access to integrated behavioral health services in underserved communities. Behavioral health includes mental health and substance use across a continuum of prevention, intervention, recovery and support.

The Foundation's efforts concentrate on three main areas:

1. Resilient children and families – Pregnancy, infants and children up to age 8
2. Healthy and connected aging – Adults age 55 and older
3. Healthcare workforce – Paid and unpaid caregivers

Community partnerships

Cambia supports community programs and partnerships that:

• Advance health equity
• Expand access to behavioral health services
• Support family- and community-centered care

Details on specific grants, partner organizations, application processes or funding cycles are not recorded in this agent and should be confirmed directly through Cambia Health Foundation channels.

Commencement Bay Risk Management (CBRM):

• Has provided stop-loss solutions to self-funded employer groups for over 30 years
• Focuses on protecting clients from unpredictable and potentially catastrophic healthcare claims
• Emphasizes sustainable pricing, quick reimbursements and trusted expertise
• Aims to deliver exceptional service, partnership and value

CBRM's solutions are designed to give employers peace of mind by helping them manage risk associated with high-cost medical claims.

Specific stop-loss policy terms, rates, exclusions and underwriting rules are not recorded in this agent and must be confirmed directly with CBRM or the appropriate representative.

Through Echo Health Ventures, Cambia partners with:

• Blue Cross and Blue Shield of North Carolina
• Arkansas Blue Cross and Blue Shield
• BlueCross BlueShield of Tennessee

Echo Health Ventures:

• Focuses on purpose-driven strategic venture capital and growth equity investments
• Partners health plans with portfolio companies that offer breakthrough healthcare products and services
• Aims to improve affordability, access to care and health outcomes for millions of people

Impact and scale

• Echo-affiliated health plans collectively serve more than 12 million people across eight states.
• Echo's investments support companies that are transforming key parts of the healthcare system.

Example portfolio companies working with Cambia

Some examples of Echo portfolio companies that Cambia works with include:

• Heartbeat Health – A digital heart health company that provides virtual-first cardiovascular disease prevention and management, with an emphasis on improved clinical experiences, outcomes and lower costs.
• Sempre Health – A digital health technology company focused on making essential prescriptions more affordable and helping address the medication affordability challenge.
• Aledade – A company that supports independent physician practices in delivering value-based care in partnership with health plans.

To see the full Echo Health Ventures portfolio and learn more about specific investments, please refer to Echo Health Ventures' own materials. Detailed financial terms, valuations and investment performance metrics are not recorded in this agent.

Cambia's technology and innovation work includes:

• Digital tools that reduce administrative hassles and speed up approvals
• Personalized digital experiences that provide guidance tailored to members' needs
• Predictive analytics that help identify health risks earlier and surface preventive care opportunities
• Enhanced digital access features that make it easier for families and caregivers to support their loved ones
• AI assistants that help Cambia teams access accurate information quickly and work more efficiently
• Interoperability and data exchange that help care teams share information so members get the right care at the right time

AI at Cambia

Cambia has invested in responsible AI in healthcare for over a decade. Its approach emphasizes:

• Using AI to amplify, not replace, human judgment
• Keeping clinical judgment and personal care at the center of critical decisions
• Applying AI to support, not substitute, licensed clinicians and service professionals
• Collaborating with providers, technology partners and national workgroups to integrate AI into the healthcare system in secure and transparent ways

Examples of how AI supports Cambia teams include:

• Helping care management teams identify risks earlier and prioritize outreach
• Helping customer service representatives quickly access accurate benefits, claims and coverage information
• Streamlining document review and routine processing for administrative teams

Responsible AI practices

Cambia's responsible AI practices include:

• Formal governance structures for how AI is developed, deployed and managed
• Ongoing evaluation of systems and vendors for privacy, security and ethical use
• Clear accountability that remains with people, not algorithms

This document describes Cambia's general technology and AI approach. It does not provide technical specifications, internal algorithms or vendor contract terms.

Ask anyway — the agent will say plainly that it is not published rather than guess.