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

UnitedHealthcare · 2026 plan year

Silver
Ind. medical deductible
$0
Rx deductible (separate)
$150
Family deductible
$0
Ind. OOP max
$1,300
Family OOP max
$2,600

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

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Live premium estimate

$

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$15.00

Hospital

BenefitIn-network
Emergency Room Services$150.00
Inpatient Hospital Services (e.g., Hospital Stay)$500.00 Copay per Day
Outpatient Surgery Physician/Surgical Services$45.00
Urgent Care Centers or Facilities$50.00

Pharmacy

BenefitIn-network
Generic Drugs$1.00
Non-Preferred Brand Drugs40.00% Coinsurance after deductible
Preferred Brand Drugs$15.00 Copay after deductible
Specialty Drugs50.00% Coinsurance after deductible

Mental Health

BenefitIn-network
Mental/Behavioral Health Inpatient Services$500.00 Copay per Day
Mental/Behavioral Health Outpatient Services$10.00

Other

BenefitIn-network
Emergency Transportation/Ambulance$150.00
X-rays and Diagnostic Imaging$5.00
Well Baby Visits and CareNo charge
Abortion for Which Public Funding is ProhibitedNot covered
Accidental Dental5.00%
AcupunctureNot covered
Allergy Testing5.00%
Bariatric SurgeryNot covered
Basic Dental Care - AdultNot covered
Basic Dental Care - Child5.00%
Chemotherapy$150.00
Chiropractic Care5.00%
Cosmetic SurgeryNot covered
Delivery and All Inpatient Services for Maternity Care$500.00
Dental Check-Up for ChildrenNo charge
Diabetes Education5.00%
Dialysis$100.00
Durable Medical Equipment5.00%
Eye Glasses for Children5.00%
Gender Affirming Care$350.00
Habilitation Services$15.00
Hearing Aids5.00%
Home Health Care Services5.00%
Hospice Services5.00%
Imaging (CT/PET Scans, MRIs)$200.00
Infertility TreatmentNot covered
Infusion Therapy$30.00
Inpatient Physician and Surgical ServicesNo charge
Laboratory Outpatient and Professional Services$5.00
Long-Term/Custodial Nursing Home CareNot covered
Major Dental Care - AdultNot covered
Major Dental Care - Child5.00%
Nutritional Counseling5.00%
Orthodontia - AdultNot covered
Orthodontia - Child50.00%
Other Practitioner Office Visit (Nurse, Physician Assistant)5.00%
Outpatient Facility Fee (e.g., Ambulatory Surgery Center)$350.00
Outpatient Rehabilitation Services$15.00
Prenatal and Postnatal CareNo charge
Private-Duty NursingNot covered
Prosthetic Devices5.00%
Radiation$30.00
Reconstructive Surgery$350.00
Rehabilitative Occupational and Rehabilitative Physical Therapy$15.00
Rehabilitative Speech Therapy$15.00
Routine Dental Services (Adult)Not covered
Routine Eye Exam (Adult)Not covered
Routine Eye Exam for ChildrenNo charge
Routine Foot CareNot covered
Skilled Nursing Facility$500.00 Copay per Day
Substance Abuse Disorder Inpatient Services$500.00 Copay per Day
Substance Abuse Disorder Outpatient Services$10.00
Transplant$500.00
Treatment for Temporomandibular Joint Disorders5.00%
Weight Loss ProgramsNot covered

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