Imperial Preferred Gold Zero

Imperial Insurance Companies, Inc. · 2026 plan year

Gold
Ind. deductible
$0
Family deductible
$0
Ind. OOP max
$9,200
Family OOP max
$18,400

More Imperial Insurance Companies, Inc. plans in TX

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$40.00

Hospital

BenefitIn-network
Emergency Room Services50.00%
Inpatient Hospital Services (e.g., Hospital Stay)50.00%
Outpatient Surgery Physician/Surgical Services50.00%
Urgent Care Centers or Facilities$75.00

Pharmacy

BenefitIn-network
Generic Drugs$10.00
Non-Preferred Brand Drugs50.00%
Preferred Brand Drugs20.00%
Specialty Drugs50.00%

Mental Health

BenefitIn-network
Mental/Behavioral Health Inpatient Services50.00%
Mental/Behavioral Health Outpatient Services$10.00

Other

BenefitIn-network
Chemotherapy50.00%
Abortion for Which Public Funding is ProhibitedNot covered
Accidental Dental50.00%
AcupunctureNot covered
Allergy Testing50.00%
Bariatric SurgeryNot covered
Basic Dental Care - AdultNot covered
Basic Dental Care - Child50.00%
Biomarker Testing50.00%
Chiropractic Care50.00%
Cosmetic SurgeryNot covered
Delivery and All Inpatient Services for Maternity Care50.00%
Dental Check-Up for ChildrenNo charge
Diabetes Education50.00%
Dialysis50.00%
Durable Medical Equipment50.00%
Emergency Transportation/Ambulance50.00%
Eye Glasses for ChildrenNo charge
Gender Affirming CareNot covered
Habilitation Services50.00%
Hearing Aids50.00%
Home Health Care Services50.00%
Hospice Services50.00%
Imaging (CT/PET Scans, MRIs)50.00%
Infertility TreatmentNot covered
Infusion Therapy50.00%
Inpatient Physician and Surgical Services50.00%
Laboratory Outpatient and Professional Services50.00%
Long-Term/Custodial Nursing Home CareNot covered
Major Dental Care - AdultNot covered
Major Dental Care - Child50.00%
Nutritional CounselingNot covered
Orthodontia - AdultNot covered
Orthodontia - Child50.00%
Other Practitioner Office Visit (Nurse, Physician Assistant)50.00%
Outpatient Facility Fee (e.g., Ambulatory Surgery Center)50.00%
Outpatient Rehabilitation Services50.00%
Prenatal and Postnatal Care$10.00
Private-Duty NursingNot covered
Prosthetic Devices50.00%
Radiation50.00%
Reconstructive Surgery50.00%
Rehabilitative Occupational and Rehabilitative Physical Therapy$20.00
Rehabilitative Speech Therapy$20.00
Routine Dental Services (Adult)Not covered
Routine Eye Exam (Adult)Not covered
Routine Eye Exam for ChildrenNo charge
Routine Foot CareNot covered
Skilled Nursing Facility50.00%
Substance Abuse Disorder Inpatient Services50.00%
Substance Abuse Disorder Outpatient Services$10.00
Transplant50.00%
Treatment for Temporomandibular Joint Disorders50.00%
Weight Loss ProgramsNot covered
Well Baby Visits and CareNo charge
X-rays and Diagnostic Imaging50.00%

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