UHC Gold Advantage (Virtual Urgent Care, No Referrals)

UnitedHealthcare · 2026 plan year

Gold

Ind. deductible: $2,000
Family deductible: $4,000
Ind. OOP max: $8,500
Family OOP max: $17,000

Compare with other Gold plans in TN

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

BlueCross G08S $30 PCP Copay + $0 virtual care from Teladoc Health ®BlueCross BlueShield of Tennessee · Deductible $2,000 · Out-of-pocket max $8,200
BlueCross G08E $30 PCP Copay + $0 virtual care from Teladoc Health ®BlueCross BlueShield of Tennessee · Deductible $2,000 · Out-of-pocket max $8,200
Standard GoldAmbetter of Tennessee · Deductible $2,000 · Out-of-pocket max $8,200

Compare 4 plans Browse all Gold plans in TN

Other cost-sharing reduction variants for this plan:

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

More UnitedHealthcare plans in TN

UHC Silver Copay Focus (Virtual Urgent Care, No Referrals)UHC Silver Standard (No Referrals)UHC Bronze Copay Focus (Virtual Urgent Care, No Referrals)

Monthly premiums by age

Rating Area 2 — the lowest-priced of the 8 areas this plan covers. Premiums differ by area.

Age	Individual	Individual + tobacco
Under 15	$401	$401
21	$524	$550
30	$595	$654
40	$670	$737
50	$936	$1,123
60	$1,422	$1,707
64 and over	$1,572	$1,887

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	$10.00

Specialist

Benefit	In-network
Specialist Visit	$60.00

Hospital

Benefit	In-network
Emergency Room Services	$500.00 Copay after deductible
Inpatient Hospital Services (e.g., Hospital Stay)	25.00% Coinsurance after deductible
Outpatient Surgery Physician/Surgical Services	$250.00 Copay after deductible
Urgent Care Centers or Facilities	$50.00

Pharmacy

Benefit	In-network
Generic Drugs	$3.00
Non-Preferred Brand Drugs	30.00% Coinsurance after deductible
Preferred Brand Drugs	$40.00
Specialty Drugs	40.00% Coinsurance after deductible

Mental Health

Benefit	In-network
Mental/Behavioral Health Inpatient Services	25.00% Coinsurance after deductible
Mental/Behavioral Health Outpatient Services	$10.00

Other

Benefit	In-network
Basic Dental Care - Adult	Not covered
Acupuncture	Not covered
Allergy Testing	25.00% Coinsurance after deductible
Bariatric Surgery	Not covered
Abortion for Which Public Funding is Prohibited	Not covered
Accidental Dental	25.00% Coinsurance after deductible
Basic Dental Care - Child	25.00% Coinsurance after deductible
Chemotherapy	$500.00 Copay after deductible
Chiropractic Care	25.00% Coinsurance after deductible
Cosmetic Surgery	Not covered
Delivery and All Inpatient Services for Maternity Care	25.00% Coinsurance after deductible
Dental Check-Up for Children	No charge
Diabetes Education	25.00% Coinsurance after deductible
Dialysis	$300.00 Copay after deductible
Durable Medical Equipment	25.00% Coinsurance after deductible
Emergency Transportation/Ambulance	$500.00 Copay after deductible
Eye Glasses for Children	25.00% Coinsurance after deductible
Gender Affirming Care	$600.00 Copay after deductible
Habilitation Services	$60.00 Copay after deductible
Hearing Aids	25.00% Coinsurance after deductible
Home Health Care Services	25.00% Coinsurance after deductible
Hospice Services	25.00% Coinsurance after deductible
Imaging (CT/PET Scans, MRIs)	$250.00 Copay after deductible
Infertility Treatment	Not covered
Infusion Therapy	$75.00 Copay after deductible
Inpatient Physician and Surgical Services	No charge
Laboratory Outpatient and Professional Services	$10.00
Long-Term/Custodial Nursing Home Care	Not covered
Major Dental Care - Adult	Not covered
Major Dental Care - Child	25.00% Coinsurance after deductible
Nutritional Counseling	25.00% Coinsurance after deductible
Orthodontia - Adult	Not covered
Orthodontia - Child	50.00% Coinsurance after deductible
Other Practitioner Office Visit (Nurse, Physician Assistant)	25.00% Coinsurance after deductible
Outpatient Facility Fee (e.g., Ambulatory Surgery Center)	$600.00 Copay after deductible
Outpatient Rehabilitation Services	$60.00 Copay after deductible
Prenatal and Postnatal Care	No charge
Private-Duty Nursing	Not covered
Prosthetic Devices	25.00% Coinsurance after deductible
Radiation	$75.00 Copay after deductible
Reconstructive Surgery	$600.00 Copay after deductible
Rehabilitative Occupational and Rehabilitative Physical Therapy	$60.00 Copay after deductible
Rehabilitative Speech Therapy	$60.00 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	25.00% Coinsurance after deductible
Substance Abuse Disorder Inpatient Services	25.00% Coinsurance after deductible
Substance Abuse Disorder Outpatient Services	$10.00
Transplant	25.00% Coinsurance after deductible
Treatment for Temporomandibular Joint Disorders	25.00% Coinsurance after deductible
Weight Loss Programs	Not covered
Well Baby Visits and Care	No charge
X-rays and Diagnostic Imaging	$70.00 Copay after deductible