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

UnitedHealthcare · 2026 plan year

Gold
Ind. deductible
$950
Family deductible
$1,900
Ind. OOP max
$9,600
Family OOP max
$19,200

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Live premium estimate

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Benefits & cost sharing

Primary Care

BenefitIn-network
Preventive Care/Screening/ImmunizationNo charge
Primary Care Visit to Treat an Injury or Illness$10.00

Specialist

BenefitIn-network
Specialist Visit$60.00

Hospital

BenefitIn-network
Urgent Care Centers or Facilities$50.00
Emergency Room Services$500.00
Inpatient Hospital Services (e.g., Hospital Stay)45.00% Coinsurance after deductible
Outpatient Surgery Physician/Surgical Services$300.00

Pharmacy

BenefitIn-network
Generic Drugs$3.00
Non-Preferred Brand Drugs30.00% Coinsurance after deductible
Preferred Brand Drugs$50.00
Specialty Drugs40.00% Coinsurance after deductible

Mental Health

BenefitIn-network
Mental/Behavioral Health Inpatient Services45.00% Coinsurance after deductible
Mental/Behavioral Health Outpatient Services$10.00

Other

BenefitIn-network
Abortion for Which Public Funding is ProhibitedNot covered
Accidental Dental45.00% Coinsurance after deductible
AcupunctureNot covered
Allergy Testing45.00% Coinsurance after deductible
Bariatric SurgeryNot covered
Basic Dental Care - AdultNot covered
Transplant45.00% Coinsurance after deductible
Treatment for Temporomandibular Joint DisordersNot covered
Weight Loss ProgramsNot covered
Well Baby Visits and CareNo charge
X-rays and Diagnostic Imaging$65.00
Basic Dental Care - Child45.00% Coinsurance after deductible
Chemotherapy$500.00
Chiropractic Care45.00% Coinsurance after deductible
Cosmetic SurgeryNot covered
Delivery and All Inpatient Services for Maternity Care45.00% Coinsurance after deductible
Dental Check-Up for ChildrenNo charge
Diabetes Education45.00% Coinsurance after deductible
Dialysis$300.00
Durable Medical Equipment45.00% Coinsurance after deductible
Emergency Transportation/Ambulance$500.00
Eye Glasses for Children45.00% Coinsurance after deductible
Gender Affirming Care$450.00
Habilitation Services$60.00
Hearing Aids45.00% Coinsurance after deductible
Home Health Care Services45.00% Coinsurance after deductible
Hospice Services45.00% Coinsurance after deductible
Imaging (CT/PET Scans, MRIs)$250.00
Infertility TreatmentNot covered
Infusion Therapy$75.00
Inpatient Physician and Surgical Services35.00% Coinsurance after deductible
Laboratory Outpatient and Professional Services$10.00
Long-Term/Custodial Nursing Home CareNot covered
Major Dental Care - AdultNot covered
Major Dental Care - Child45.00% Coinsurance after deductible
Substance Abuse Disorder Outpatient Services$10.00
Nutritional Counseling45.00% Coinsurance after deductible
Orthodontia - AdultNot covered
Orthodontia - Child50.00% Coinsurance after deductible
Other Practitioner Office Visit (Nurse, Physician Assistant)45.00% Coinsurance after deductible
Outpatient Facility Fee (e.g., Ambulatory Surgery Center)$450.00
Outpatient Rehabilitation Services$60.00
Prenatal and Postnatal CareNo charge
Private-Duty Nursing45.00% Coinsurance after deductible
Prosthetic Devices45.00% Coinsurance after deductible
Radiation$75.00
Reconstructive Surgery$450.00
Rehabilitative Occupational and Rehabilitative Physical Therapy$60.00
Rehabilitative Speech Therapy$60.00
Routine Dental Services (Adult)Not covered
Routine Eye Exam (Adult)Not covered
Routine Eye Exam for ChildrenNo charge
Routine Foot CareNot covered
Skilled Nursing Facility45.00% Coinsurance after deductible
Substance Abuse Disorder Inpatient Services45.00% Coinsurance after deductible

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