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SilverEPO

BlueCross S34E $45 PCP Copay + $0 virtual care from Teladoc Health®

BlueCross BlueShield of Tennessee

Starting at

$654

/month before subsidy

Key facts

BlueCross S34E $45 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 14002TN0400446. The monthly premium starts at $654 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $8,100 ($16,200 for a family), and the individual out-of-pocket maximum is $8,100 ($16,200 for a family). After the deductible, coinsurance is 0% for covered in-network care. The plan is not HSA-eligible.

Plan ID
14002TN0400446
Plan year
2026
State
Tennessee
Metal level
Silver
Plan type
EPO
HSA-eligible
No

Individual Deductible

$8,100

Family: $16,200

Out-of-Pocket Max

$8,100

Family: $16,200

Coinsurance

0%

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$45.00
Specialist Visit$90.00
Urgent Care$90.00
Emergency RoomNo Charge after deductible

Prescription Drugs

Generic Drugs$10.00
Brand Name DrugsNo Charge after deductible
Specialty DrugsNo Charge 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

How well doctors manage and coordinate care

Member experience

Member-survey satisfaction with the plan

Plan administration

Customer service, billing, and access to information

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

$9,340

your estimated cost

Deductible
$9,200
Copays
$140
Coinsurance
$0

Managing type 2 diabetes

A year of routine care

$5,540

your estimated cost

Deductible
$5,400
Copays
$140
Coinsurance
$0

A simple fracture

ER visit + follow-up

$2,800

your estimated cost

Deductible
$2,000
Copays
$800
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 summaryPlan BrochureFull plan details from the insurerDrug 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

$1,329/month

Annual Premium

$7,848

OOP Maximum

$8,100

💡 What this means:

With a $8,100 deductible, you pay 100% of costs until you've spent that much. After that, you pay 0% (coinsurance) until you hit $8,100 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 S34E $45 PCP Copay + $0 virtual care from Teladoc Health®

How much does BlueCross S34E $45 PCP Copay + $0 virtual care from Teladoc Health® cost per month?

BlueCross S34E $45 PCP Copay + $0 virtual care from Teladoc Health® from BlueCross BlueShield of Tennessee starts at $654 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 S34E $45 PCP Copay + $0 virtual care from Teladoc Health®?

The individual medical deductible is $8,100, and the family deductible is $16,200. 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 S34E $45 PCP Copay + $0 virtual care from Teladoc Health®?

The most you would pay in a year for covered in-network care is $8,100 for an individual and $16,200 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.

Is BlueCross S34E $45 PCP Copay + $0 virtual care from Teladoc Health® HSA-eligible?

No. BlueCross S34E $45 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 S34E $45 PCP Copay + $0 virtual care from Teladoc Health® use?

BlueCross S34E $45 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

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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.