All plans in Tennessee Compare with subsidy estimate

GoldEPO

BlueCross G09E + $0 virtual care from Teladoc Health®

BlueCross BlueShield of Tennessee

Starting at

$960

/month before subsidy

Key facts

BlueCross G09E + $0 virtual care from Teladoc Health® is a 2027 Gold EPO health insurance plan from BlueCross BlueShield of Tennessee, sold on the ACA Marketplace in Tennessee under plan ID 14002TN0400542. The monthly premium starts at $960 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $1,900 ($3,800 for a family), and the individual out-of-pocket maximum is $8,000 ($16,000 for a family). After the deductible, coinsurance is 20% for covered in-network care. The plan is not HSA-eligible.

Plan ID: 14002TN0400542
Plan year: 2027
State: Tennessee
Metal level: Gold
Plan type: EPO
HSA-eligible: No

Individual Deductible

$1,900

Family: $3,800

Out-of-Pocket Max

$8,000

Family: $16,000

Coinsurance

20%

You pay after deductible

Network Type

EPO

TNN003

Cost Sharing

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

Medical Services

Primary Care Visit20.00% Coinsurance after deductible

Specialist Visit20.00% Coinsurance after deductible

Urgent Care20.00% Coinsurance after deductible

Emergency Room$750.00 Copay with deductible

Prescription Drugs

Generic Drugs20.00% Coinsurance after deductible

Brand Name Drugs20.00% Coinsurance after deductible

Specialty Drugs20.00% Coinsurance 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

$7,900

your estimated cost

Deductible: $1,900
Copays: $0
Coinsurance: $6,000

Managing type 2 diabetes

A year of routine care

$5,900

your estimated cost

Deductible: $1,900
Copays: $300
Coinsurance: $3,700

A simple fracture

ER visit + follow-up

$2,800

your estimated cost

Deductible: $1,900
Copays: $750
Coinsurance: $150

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.

Check a medication

Check a doctor

Enter your ZIP code first to search nearby doctors.

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 Gold EPO plan is designed for people who use healthcare frequently and want predictable costs when they visit the doctor.

Consider this plan if you:

Have ongoing health conditions requiring regular care
Take multiple prescription medications
Prefer lower costs at the time of service
Want peace of mind with comprehensive coverage

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

$1,627/month

Annual Premium

$11,520

OOP Maximum

$8,000

💡 What this means:

With a $1,900 deductible, you pay 100% of costs until you've spent that much. After that, you pay 20% (coinsurance) until you hit $8,000 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 G09E + $0 virtual care from Teladoc Health®

How much does BlueCross G09E + $0 virtual care from Teladoc Health® cost per month?

BlueCross G09E + $0 virtual care from Teladoc Health® from BlueCross BlueShield of Tennessee starts at $960 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 G09E + $0 virtual care from Teladoc Health®?

The individual medical deductible is $1,900, and the family deductible is $3,800. 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 G09E + $0 virtual care from Teladoc Health®?

The most you would pay in a year for covered in-network care is $8,000 for an individual and $16,000 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.

Is BlueCross G09E + $0 virtual care from Teladoc Health® HSA-eligible?

No. BlueCross G09E + $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 G09E + $0 virtual care from Teladoc Health® use?

BlueCross G09E + $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
The SLCSP benchmark
The Silver plan that sets your subsidy and Form 1095-A

Enroll at HealthCare.gov Browse Tennessee plans

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.