Gold Savings 1825 ($25 Primary Care Copay, $50 Specialist Copay, Open Access)

Health First Commercial Plans, Inc. · 2026 plan year

Gold

Ind. medical deductible: $3,050
Rx deductible (separate): $400
Family deductible: $6,100
Ind. OOP max: $8,100
Family OOP max: $16,200

This plan sets a separate deductible for prescription drugs. The medical deductible shown does not cover prescriptions; they have their own.

Compare with other Gold plans in FL

Side by side: deductibles, out-of-pocket limits and copays.

Gold SimpleOscar Health Maintenance Organization of Florida · Deductible $3,000 · Out-of-pocket max $9,950
Gold Simple | with AdventHealthOscar Health Maintenance Organization of Florida · Deductible $3,000 · Out-of-pocket max $9,950
Gym Access IND Gold POS 55001Florida Health Care Plans · Deductible $2,800 medical + $100 Rx (separate) · Out-of-pocket max $8,100

Compare 4 plans Browse all Gold plans in FL

Other cost-sharing reduction variants for this plan:

Limited Cost Sharing Plan Variation Standard Gold Off Exchange Plan Zero Cost Sharing Plan Variation

More Health First Commercial Plans, Inc. plans in FL

Bronze Value 1814 (High Value Network Savings, Open Access)Silver Value 1815 ($25 Tier 1 Primary Care Copay, Specialist & Urgent Care Copays, High Value Network Savings)Gold Value 1819 ($2,200 Tier 1 Medical Deductible, High Value Network Savings, Open Access)Bronze Value 1814 + Adult Dental + Adult Vision (High Value Network Savings, Open Access)

Monthly premiums by age

Rating Area 30 — the lowest-priced of the 4 areas this plan covers. Premiums differ by area.

Age	Individual	Individual + tobacco
Under 15	$337	$337
21	$440	$440
30	$500	$549
40	$562	$675
50	$786	$1,022
60	$1,194	$1,672
64 and over	$1,320	$1,848

Live premium estimate

Benefits & cost sharing

Primary Care

Benefit	In-network
Preventive Care/Screening/Immunization	No charge
Primary Care Visit to Treat an Injury or Illness	$25.00

Specialist

Benefit	In-network
Specialist Visit	$50.00

Hospital

Benefit	In-network
Emergency Room Services	35.00% Coinsurance after deductible
Inpatient Hospital Services (e.g., Hospital Stay)	35.00% Coinsurance after deductible
Outpatient Surgery Physician/Surgical Services	35.00% Coinsurance after deductible
Urgent Care Centers or Facilities	$30.00

Pharmacy

Benefit	In-network
Generic Drugs	$15.00
Non-Preferred Brand Drugs	$55.00 Copay after deductible
Preferred Brand Drugs	$30.00 Copay after deductible
Preferred Generic Drugs	$3.00
Specialty Drugs	25.00% Coinsurance after deductible

Mental Health

Benefit	In-network
Mental/Behavioral Health Inpatient Services	35.00% Coinsurance after deductible
Mental Health Office Visit	$50.00
Mental/Behavioral Health Outpatient Services	35.00% Coinsurance after deductible

Other

Benefit	In-network
Abortion for Which Public Funding is Prohibited	Not covered
Accidental Dental	35.00% Coinsurance after deductible
Acupuncture	Not covered
Allergy Testing	No charge
Anesthesia Services for Dental Care	35.00% Coinsurance after deductible
Bariatric Surgery	Not covered
Basic Dental Care - Adult	Not covered
Basic Dental Care - Child	No charge
Cardiac and Pulmonary Rehabilitation	35.00% Coinsurance after deductible
Chemotherapy	35.00% Coinsurance after deductible
Chiropractic Care	$50.00
Cosmetic Surgery	Not covered
Delivery and All Inpatient Services for Maternity Care	35.00% Coinsurance after deductible
Dental Check-Up for Children	No charge
Diabetes Education	No charge
Dialysis	35.00% Coinsurance after deductible
Durable Medical Equipment	35.00% Coinsurance after deductible
Emergency Transportation/Ambulance	35.00% Coinsurance after deductible
Enteral/Parenteral and Oral Nutrition Therapy	35.00% Coinsurance after deductible
Eye Glasses for Adult	Not covered
Eye Glasses for Children	No charge
Genetic Testing Lab Services	35.00% Coinsurance after deductible
Habilitation Services	35.00% Coinsurance after deductible
Hearing Aids	Not covered
Home Health Care Services	35.00% Coinsurance after deductible
Hospice Services	35.00% Coinsurance after deductible
Hyperbaric Oxygen Therapy	35.00% Coinsurance after deductible
Imaging (CT/PET Scans, MRIs)	35.00% Coinsurance after deductible
Infertility Treatment	Not covered
Infusion Therapy	35.00% Coinsurance after deductible
Inpatient Physician and Surgical Services	35.00% Coinsurance after deductible
Laboratory Outpatient and Professional Services	No charge
Long-Term/Custodial Nursing Home Care	Not covered
Major Dental Care - Adult	Not covered
Major Dental Care - Child	No charge
Nutritional Counseling	No charge
Orthodontia - Adult	Not covered
Orthodontia - Child	No charge
Osteoporosis Treatment	$50.00
Other Practitioner Office Visit (Nurse, Physician Assistant)	$25.00
Outpatient Facility Fee (e.g., Ambulatory Surgery Center)	35.00% Coinsurance after deductible
Outpatient Observation	35.00% Coinsurance after deductible
Outpatient Rehabilitation Services	35.00% Coinsurance after deductible
Partial Hospitalization	35.00% Coinsurance after deductible
Prenatal and Postnatal Care	No charge
Private-Duty Nursing	Not covered
Prosthetic Devices	35.00% Coinsurance after deductible
Radiation	35.00% Coinsurance after deductible
Reconstructive Surgery	35.00% Coinsurance after deductible
Rehabilitative Occupational and Rehabilitative Physical Therapy	35.00% Coinsurance after deductible
Rehabilitative Speech Therapy	35.00% Coinsurance after deductible
Routine Dental Services (Adult)	Not covered
Routine Eye Exam (Adult)	Not covered
Routine Eye Exam for Children	No charge
Routine Foot Care	$50.00
Skilled Nursing Facility	35.00% Coinsurance after deductible
Substance Abuse Disorder Inpatient Services	35.00% Coinsurance after deductible
Substance Abuse Disorder Outpatient Services	35.00% Coinsurance after deductible
Substance Abuse Office Visit	$50.00
Transplant	35.00% Coinsurance after deductible
Treatment for Temporomandibular Joint Disorders	35.00% Coinsurance after deductible
Weight Loss Programs	Not covered
Well Baby Visits and Care	No charge
X-rays and Diagnostic Imaging	35.00% Coinsurance after deductible