UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals)

UnitedHealthcare · 2026 plan year

Gold
Ind. medical deductible
$0
Rx deductible (separate)
$500
Family deductible
$0
Ind. OOP max
$7,700
Family OOP max
$15,400

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

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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$20.00

Specialist

BenefitIn-network
Specialist Visit$55.00

Hospital

BenefitIn-network
Emergency Room Services$750.00
Inpatient Hospital Services (e.g., Hospital Stay)$1750.00 Copay per Day
Outpatient Surgery Physician/Surgical Services$250.00
Urgent Care Centers or Facilities$40.00

Pharmacy

BenefitIn-network
Generic Drugs$3.00
Non-Preferred Brand Drugs40.00% Coinsurance after deductible
Preferred Brand Drugs$30.00
Specialty Drugs50.00% Coinsurance after deductible

Mental Health

BenefitIn-network
Mental/Behavioral Health Inpatient Services$1750.00 Copay per Day
Mental/Behavioral Health Outpatient Services$35.00

Other

BenefitIn-network
Outpatient Facility Fee (e.g., Ambulatory Surgery Center)$500.00
Abortion for Which Public Funding is ProhibitedNot covered
Accidental Dental45.00%
AcupunctureNot covered
Allergy Testing45.00%
Bariatric SurgeryNot covered
Basic Dental Care - AdultNot covered
Basic Dental Care - Child45.00%
Chemotherapy$500.00
Chiropractic Care45.00%
Cosmetic SurgeryNot covered
Delivery and All Inpatient Services for Maternity Care$1,750.00
Dental Check-Up for ChildrenNo charge
Diabetes Education45.00%
Dialysis$300.00
Durable Medical Equipment45.00%
Emergency Transportation/Ambulance$750.00
Eye Glasses for Children45.00%
Gender Affirming Care$500.00
Habilitation Services$55.00
Hearing AidsNot covered
Home Health Care Services45.00%
Hospice Services45.00%
Imaging (CT/PET Scans, MRIs)$300.00
Infertility TreatmentNot covered
Infusion Therapy$75.00
Inpatient Physician and Surgical ServicesNo charge
Laboratory Outpatient and Professional Services$10.00
Long-Term/Custodial Nursing Home CareNot covered
Major Dental Care - AdultNot covered
Major Dental Care - Child45.00%
Nutritional Counseling45.00%
Orthodontia - AdultNot covered
Orthodontia - Child50.00%
Other Practitioner Office Visit (Nurse, Physician Assistant)45.00%
Outpatient Rehabilitation Services$55.00
Prenatal and Postnatal CareNo charge
Private-Duty Nursing45.00%
Prosthetic Devices45.00%
Radiation$75.00
Reconstructive Surgery$500.00
Rehabilitative Occupational and Rehabilitative Physical Therapy$55.00
Rehabilitative Speech Therapy$55.00
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$1750.00 Copay per Day
Substance Abuse Disorder Inpatient Services$1750.00 Copay per Day
Substance Abuse Disorder Outpatient Services$35.00
Transplant$1,750.00
Treatment for Temporomandibular Joint Disorders45.00%
Weight Loss ProgramsNot covered
Well Baby Visits and CareNo charge
X-rays and Diagnostic Imaging$10.00

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