All plans in Tennessee Compare with subsidy estimate

SilverEPO

BlueCross S26E $40 PCP Copay + $0 virtual care from Teladoc Health®

BlueCross BlueShield of Tennessee

Starting at

$693

/month before subsidy

Key facts

BlueCross S26E $40 PCP Copay + $0 virtual care from Teladoc Health® is a 2026 Silver EPO health insurance plan from BlueCross BlueShield of Tennessee, sold on the ACA Marketplace in Tennessee under plan ID 14002TN0400419. The monthly premium starts at $693 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $6,000 ($12,000 for a family), and the individual out-of-pocket maximum is $8,900 ($17,800 for a family). After the deductible, coinsurance is 40% for covered in-network care. The plan is not HSA-eligible.

Plan ID: 14002TN0400419
Plan year: 2026
State: Tennessee
Metal level: Silver
Plan type: EPO
HSA-eligible: No

Individual Deductible

$6,000

Family: $12,000

Out-of-Pocket Max

$8,900

Family: $17,800

Coinsurance

40%

You pay after deductible

Network Type

EPO

TNN003

Cost Sharing

What you pay for common services (after deductible unless noted)

Medical Services

Primary Care Visit$40.00

Specialist Visit$80.00

Urgent Care$60.00

Emergency Room40.00% Coinsurance after deductible

Prescription Drugs

Generic Drugs$20.00

Brand Name Drugs$80.00 Copay after deductible

Specialty Drugs$350.00 Copay after deductible

CMS Quality Rating

The federal government's star rating for this plan, based on clinical data and member surveys — the same rating shown on HealthCare.gov.

4.0overall

Medical care
Member experience
Plan administration

What you'd typically pay

Standardized coverage examples from this plan's official Summary of Benefits & Coverage — your estimated out-of-pocket cost in three common situations (in-network).

Having a baby

Normal delivery

$7,340

your estimated cost

Deductible: $6,000
Copays: $40
Coinsurance: $1,300

Managing type 2 diabetes

A year of routine care

$5,200

your estimated cost

Deductible: $4,400
Copays: $800
Coinsurance: $0

A simple fracture

ER visit + follow-up

$2,800

your estimated cost

Deductible: $2,500
Copays: $300
Coinsurance: $0

Is your medication or doctor covered?

Check this plan against your prescriptions and providers, using live data from the federal Marketplace (CMS). Always confirm with the insurer before enrolling.

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Official Plan Documents

Published by BlueCross BlueShield of Tennessee. These are the authoritative source for coverage details.

Summary of Benefits & Coverage (SBC)Standardized cost & coverage summary Plan BrochureFull plan details from the insurer Drug FormularyCovered prescriptions & drug tiers

Who This Plan Is Best For

This Silver EPO plan offers a balanced approach between monthly premiums and out-of-pocket costs, making it a popular choice for many families.

Consider this plan if you:

Visit the doctor a few times per year
Take regular prescription medications
Want moderate protection against high medical bills
May qualify for Cost-Sharing Reductions (CSR) to lower deductibles

This summary is generated based on plan attributes for educational purposes only.

Worst-Case Monthly Cost

What you'd pay if you hit your out-of-pocket maximum

If you max out this year

$1,435/month

Annual Premium

$8,316

OOP Maximum

$8,900

💡 What this means:

With a $6,000 deductible, you pay 100% of costs until you've spent that much. After that, you pay 40% (coinsurance) until you hit $8,900 total. Then insurance covers everything else for the year.

More plans from BlueCross BlueShield of Tennessee in Tennessee

View all Marketplace plans in Tennessee

Frequently asked questions about BlueCross S26E $40 PCP Copay + $0 virtual care from Teladoc Health®

How much does BlueCross S26E $40 PCP Copay + $0 virtual care from Teladoc Health® cost per month?

BlueCross S26E $40 PCP Copay + $0 virtual care from Teladoc Health® from BlueCross BlueShield of Tennessee starts at $693 per month before any subsidy in Tennessee. Most Marketplace enrollees qualify for a premium tax credit that lowers what they actually pay — estimate your subsidy to see your net premium.

What is the deductible for BlueCross S26E $40 PCP Copay + $0 virtual care from Teladoc Health®?

The individual medical deductible is $6,000, and the family deductible is $12,000. You pay for covered care out of pocket until you meet the deductible, after which the plan shares costs with you.

What is the out-of-pocket maximum for BlueCross S26E $40 PCP Copay + $0 virtual care from Teladoc Health®?

The most you would pay in a year for covered in-network care is $8,900 for an individual and $17,800 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.

Is BlueCross S26E $40 PCP Copay + $0 virtual care from Teladoc Health® HSA-eligible?

No. BlueCross S26E $40 PCP Copay + $0 virtual care from Teladoc Health® is not classified as an HSA-eligible high-deductible health plan, so it cannot be paired with a Health Savings Account.

What type of network does BlueCross S26E $40 PCP Copay + $0 virtual care from Teladoc Health® use?

BlueCross S26E $40 PCP Copay + $0 virtual care from Teladoc Health® is a EPO plan. EPO plans cover in-network care only (except emergencies) and usually do not require referrals to see specialists.

Understand what you'd actually pay

2026 Federal Poverty Level (FPL) chart
The income table behind subsidy and Medicaid eligibility
How ACA subsidies work
Premium tax credits and who qualifies
The 2026 subsidy cliff
Why income near 400% FPL matters again this year

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Important Notice

Plan details and costs shown are estimates for educational purposes only. Actual costs, coverage, and availability may vary. Always verify plan details and enroll through official channels at HealthCare.gov or your state marketplace.