PREF Bronze Essential 9000 With 4 Copay No Deductible Office Visits · 44648ID1290028
Regence BlueShield of Idaho offers this marketplace health insurance plan (Plan ID 44648ID1290028) so you can compare premiums, coverage levels, and provider access against other health plan insurance options. Use the modules below to decide whether this is the best health insurance plan for your household or if another insurance health plan fits better.
Marketplace enrollment for 2025 coverage typically runs Nov 1 – Jan 15 (dates may vary slightly in Idaho). Submit changes before the deadline to avoid a coverage gap.
Enroll by Dec 15 for Jan 1 starts.
Finalize plan switches before the window closes.
Special Enrollment Periods
You can change plans mid-year if you experience a qualifying life event (move, childbirth, marriage, loss of other coverage).
Report the event within 60 days.
Keep documentation handy for Healthcare.gov or your state exchange.
CSR & subsidy reminders
Premium tax credits and cost-sharing reductions (CSR) update annually when you re-submit your marketplace application.
Enter accurate income to maximize Advanced Premium Tax Credits.
Standard Bronze On Exchange Plan plans like this one keep deductibles and copays lower if you qualify.
Thinking about switching?
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Match provider networks so ongoing care isn’t disrupted.
Confirm prescriptions stay on-formulary or budget for tier changes.
Track the official identifiers, documents, and filing dates tied to this plan. Open the marketing or formulary links whenever you need the latest PDF from the issuer.
Review the network branding plus the number of in-network clinicians we track from issuer filings. Counts update with each CMS import (Tue, 02 Dec 2025 06:13 GMT).
Variant 44648ID1290028-01 (Standard On Exchange Plan) currently displayed.
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Variant attributes
PREF Bronze Essential 9000 With 4 Copay No Deductible Office Visits · Variant 44648ID1290028-01
Plan identifiers & tier
Issuer-provided metadata for this variant.
Business Year
2025
CSR Variation Type
Standard Bronze On Exchange Plan
HIOS Product ID
44648ID129
Metal Level
Expanded Bronze
Plan ID (Standard Component ID with Variant)
44648ID1290028-01
Plan Marketing Name
PREF Bronze Essential 8500 With 4 Copay No Deductible Office Visits
Plan Variant Marketing Name
PREF Bronze Essential 8500 With 4 Copay No Deductible Office Visits
Issuer & service area
Issuer-provided metadata for this variant.
Issuer ID
44648
Market Coverage
Individual
Multiple In Network Tiers
No
National Network
Yes
Network ID
IDN002
Out of Country Coverage
Yes
Out of Country Coverage Description
Members traveling outside the United States receive coverage for the same benefits as inside the United States. Members who do not seek inpatient care at a BlueCross BlueShield Global Hospital may have to pay a provider upfront for care and submit an international claim form to be reimbursed.
Out of Service Area Coverage
Yes
Out of Service Area Coverage Description
Out of Area benefits are covered on Blue Card which provides access to the largest network of doctors in the United States
Service Area ID
IDS002
State Code
ID
Cost sharing & actuarial values
Issuer-provided metadata for this variant.
AV Calculator Output Number
0.611773803
Begin Primary Care Deductible Coinsurance After Number Of Copays
4
Medical Drug Deductibles Integrated
Yes
Medical Drug Maximum Out of Pocket Integrated
Yes
SBC Scenario, Having a Baby, Coinsurance
$400
SBC Scenario, Having a Baby, Copayment
$10
SBC Scenario, Having a Baby, Deductible
$8,500
SBC Scenario, Having Diabetes, Coinsurance
$900
SBC Scenario, Having Diabetes, Copayment
$500
SBC Scenario, Having Diabetes, Deductible
$900
SBC Scenario, Treatment of a Simple Fracture, Coinsurance
$0
SBC Scenario, Treatment of a Simple Fracture, Copayment
$200
SBC Scenario, Treatment of a Simple Fracture, Deductible
$2,500
Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Combined In/Out Network, Family
$90700 per person | $181400 per group
Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Combined In/Out Network, Individual
$90,700
Combined Medical and Drug EHB Deductible, In Network (Tier 1), Default Coinsurance
10.00%
Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), In Network (Tier 1), Family
$9200 per person | $18400 per group
Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), In Network (Tier 1), Individual
$9,200
Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Out of Network, Family
$81500 per person | $163000 per group
Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Out of Network, Individual
$81,500
Enrollment & documents
Issuer-provided metadata for this variant.
Formulary ID
IDF008
SBC Scenario, Having a Baby, Limit
$60
SBC Scenario, Having Diabetes, Limit
$200
SBC Scenario, Treatment of a Simple Fracture, Limit
$0
Additional attributes
Issuer-provided metadata for this variant.
Child-Only Offering
Allows Adult and Child-Only
Composite Rating Offered
No
Dental Only Plan
No
Design Type
Not Applicable
Disease Management Programs Offered
Pregnancy, Pain Management, Depression, Low Back Pain, Heart Disease
EHB Percent of Total Premium
100%
First Tier Utilization
100%
Import Date
1/13/2025
HSA Eligible
No
IsItANewPlan
New
Notice Required for Pregnancy
No
Is a Referral Required for Specialist?
No
Plan Effective Date
1/1/2025
Plan Type
PPO
QHP/Non QHP
Both
Source Name
SERFF
Plan ID
44648ID1290028
Combined Medical and Drug EHB Deductible, Combined In/Out of Network, Family
$24800 per person | $49600 per group
Combined Medical and Drug EHB Deductible, Combined In/Out of Network, Individual
$24,800
Combined Medical and Drug EHB Deductible, In Network (Tier 1), Family
$8500 per person | $17000 per group
Combined Medical and Drug EHB Deductible, In Network (Tier 1), Individual
$8,500
TEHBDedOutofNetFamily
$16300 per person | $32600 per group
Combined Medical and Drug EHB Deductible, Out of Network, Individual
$16,300
Unique Plan Design
No
Version Number
1
Wellness Program Offered
No
Copay & coinsurance
Pharmacy cost sharing by tier
Drug tier
Pharmacy type
Copay amount
Copay option
Coinsurance rate
Coinsurance option
Mail order
Questions & answers
Frequently asked questions
How do I choose the right ACA plan in Idaho?
PREF Bronze Essential 9000 With 4 Copay No Deductible Office Visits (44648ID1290028) is a Expanded Bronze PPO from Regence BlueShield of Idaho in Idaho for the 2025 coverage year.
Compare it against other options with the HealthPorta plan finder to confirm premiums, deductibles, and network access fit your household.
Does PREF Bronze Essential 9000 With 4 Copay No Deductible Office Visits support telehealth or virtual urgent care?
The issuer has not published telehealth details yet. Review the Summary of Benefits and Coverage to confirm if virtual visits are included.
Is PREF Bronze Essential 9000 With 4 Copay No Deductible Office Visits HSA-eligible and does it include dental or vision coverage?
It is not marked as HSA-eligible, so confirm with the issuer before relying on tax-advantaged savings.
Dental coverage is not listed for this plan.
Vision coverage is not listed for this plan.
Does PREF Bronze Essential 9000 With 4 Copay No Deductible Office Visits support mail-order prescriptions?
Mail order coverage is not listed for this plan, so confirm with the issuer before relying on home delivery.
Which disease management programs come with PREF Bronze Essential 9000 With 4 Copay No Deductible Office Visits?
The issuer lists disease management resources for: Pregnancy, Pain Management, Depression, Low Back Pain, Heart Disease.
Is there out-of-country coverage for PREF Bronze Essential 9000 With 4 Copay No Deductible Office Visits?
Yes, limited out-of-country coverage is available. Review the Summary of Benefits for reimbursement steps. Details: Members traveling outside the United States receive coverage for the same benefits as inside the United States. Members who do not seek inpatient care at a BlueCross BlueShield Global Hospital may have to pay a provider upfront for care and submit an international claim form to be reimbursed.
Does PREF Bronze Essential 9000 With 4 Copay No Deductible Office Visits cover care outside the service area?
Yes, you have limited out-of-area coverage. See the plan documents for referral and prior authorization rules. Details: Out of Area benefits are covered on Blue Card which provides access to the largest network of doctors in the United States
How do I enroll in or manage payments for PREF Bronze Essential 9000 With 4 Copay No Deductible Office Visits?
Use the issuer portal https://regence.com to pay premiums or start enrollment, then return to HealthPorta for benefit comparisons.
Disclaimer: Based on the Tue, 02 Dec 2025 06:13 GMT HealthPorta import from CMS issuer filings. Data is best-effort and should be validated with the issuer directly. Sources: CMS.gov and the HealthPorta Healthcare MRF API.
