UHC Silver Advantage ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals)

UnitedHealthcare · 2026 plan year

Silver

Ind. deductible: $2,500
Family deductible: $5,000
Ind. OOP max: $10,150
Family OOP max: $20,300

Compare with other Silver plans in NC

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

Blue Home Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | with UNC Health AllianceBlue Cross and Blue Shield of NC · Deductible $2,800 · Out-of-pocket max $10,600
Blue Home Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | with Cone HealthBlue Cross and Blue Shield of NC · Deductible $2,800 · Out-of-pocket max $10,600
Blue Home Silver Preferred | 3 Free PCP | $10 Tier 1 Rx | Integrated | with Novant HealthBlue Cross and Blue Shield of NC · Deductible $2,800 · Out-of-pocket max $10,600

Compare 4 plans Browse all Silver plans in NC

Other cost-sharing reduction variants for this plan:

73% AV Level Silver Plan 87% AV Level Silver Plan 94% AV Level Silver Plan Limited Cost Sharing Plan Variation Standard Silver Off Exchange Plan Zero Cost Sharing Plan Variation

More UnitedHealthcare plans in NC

UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals)UHC Gold Standard (No Referrals)UHC Bronze Essential ($0 Virtual Urgent Care, No Referrals UHC Silver Standard (No Referrals)

Monthly premiums by age

Rating Area 13 — the lowest-priced of the 9 areas this plan covers. Premiums differ by area.

Age	Individual	Individual + tobacco
Under 15	$452	$452
21	$591	$621
30	$671	$738
40	$755	$831
50	$1,056	$1,267
60	$1,604	$1,925
64 and over	$1,773	$2,128

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	$30.00

Specialist

Benefit	In-network
Specialist Visit	$100.00

Hospital

Benefit	In-network
Outpatient Surgery Physician/Surgical Services	$375.00 Copay after deductible
Emergency Room Services	$1000.00 Copay after deductible
Inpatient Hospital Services (e.g., Hospital Stay)	30.00% Coinsurance after deductible
Urgent Care Centers or Facilities	$100.00

Pharmacy

Benefit	In-network
Generic Drugs	$3.00
Non-Preferred Brand Drugs	40.00% Coinsurance after deductible
Preferred Brand Drugs	$50.00 Copay after deductible
Specialty Drugs	50.00% Coinsurance after deductible

Mental Health

Benefit	In-network
Mental/Behavioral Health Inpatient Services	30.00% Coinsurance after deductible
Mental/Behavioral Health Outpatient Services	$30.00

Other

Benefit	In-network
Eye Glasses for Children	30.00% Coinsurance after deductible
Gender Affirming Care	$750.00 Copay after deductible
Abortion for Which Public Funding is Prohibited	Not covered
Accidental Dental	30.00% Coinsurance after deductible
Acupuncture	Not covered
Allergy Testing	30.00% Coinsurance after deductible
Bariatric Surgery	$750.00 Copay after deductible
Basic Dental Care - Adult	Not covered
Basic Dental Care - Child	30.00% Coinsurance after deductible
Chemotherapy	$750.00 Copay after deductible
Chiropractic Care	30.00% Coinsurance after deductible
Cosmetic Surgery	Not covered
Delivery and All Inpatient Services for Maternity Care	30.00% Coinsurance after deductible
Dental Check-Up for Children	No charge
Diabetes Education	30.00% Coinsurance after deductible
Dialysis	$500.00 Copay after deductible
Durable Medical Equipment	30.00% Coinsurance after deductible
Emergency Transportation/Ambulance	$1000.00 Copay after deductible
Habilitation Services	$80.00 Copay after deductible
Hearing Aids	30.00% Coinsurance after deductible
Home Health Care Services	30.00% Coinsurance after deductible
Hospice Services	30.00% Coinsurance after deductible
Imaging (CT/PET Scans, MRIs)	$200.00 Copay after deductible
Infertility Treatment	30.00% Coinsurance after deductible
Infusion Therapy	$100.00 Copay after deductible
Inpatient Physician and Surgical Services	30.00% Coinsurance after deductible
Laboratory Outpatient and Professional Services	$15.00 Copay after deductible
Long-Term/Custodial Nursing Home Care	Not covered
Major Dental Care - Adult	Not covered
Major Dental Care - Child	30.00% Coinsurance after deductible
Nutritional Counseling	30.00% Coinsurance after deductible
Orthodontia - Adult	Not covered
Orthodontia - Child	50.00% Coinsurance after deductible
Other Practitioner Office Visit (Nurse, Physician Assistant)	30.00% Coinsurance after deductible
Outpatient Facility Fee (e.g., Ambulatory Surgery Center)	$750.00 Copay after deductible
Outpatient Rehabilitation Services	$80.00 Copay after deductible
Prenatal and Postnatal Care	No charge
Private-Duty Nursing	30.00% Coinsurance after deductible
Prosthetic Devices	30.00% Coinsurance after deductible
Radiation	$100.00 Copay after deductible
Reconstructive Surgery	$750.00 Copay after deductible
Rehabilitative Occupational and Rehabilitative Physical Therapy	$80.00 Copay after deductible
Rehabilitative Speech Therapy	$80.00 Copay after deductible
Routine Dental Services (Adult)	Not covered
Routine Eye Exam (Adult)	Not covered
Routine Eye Exam for Children	No charge
Routine Foot Care	Not covered
Skilled Nursing Facility	30.00% Coinsurance after deductible
Substance Abuse Disorder Inpatient Services	30.00% Coinsurance after deductible
Substance Abuse Disorder Outpatient Services	$30.00
Transplant	30.00% Coinsurance after deductible
Treatment for Temporomandibular Joint Disorders	30.00% Coinsurance after deductible
Weight Loss Programs	Not covered
Well Baby Visits and Care	No charge
X-rays and Diagnostic Imaging	$35.00 Copay after deductible