Gold Elite Saver Plus
Oscar Health Insurance · 2026 plan year
Gold
- Ind. medical deductible
- $0
- Rx deductible (separate)
- $250
- Family deductible
- $0
- Ind. OOP max
- $8,900
- Family OOP max
- $17,800
This plan sets a separate deductible for prescription drugs. The medical deductible shown does not cover prescriptions; they have their own.
Compare with other Gold plans in OH
Side by side: deductibles, out-of-pocket limits and copays.
Other cost-sharing reduction variants for this plan:
More Oscar Health Insurance plans in OH
Monthly premiums by age
Rating Area 4 — the lowest-priced of the 9 areas this plan covers. Premiums differ by area.
| Age | Individual | Individual + tobacco |
|---|---|---|
| Under 15 | $315 | $315 |
| 21 | $411 | $411 |
| 30 | $467 | $490 |
| 40 | $525 | $573 |
| 50 | $734 | $800 |
| 60 | $1,116 | $1,255 |
| 64 and over | $1,233 | $1,388 |
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 | No charge |
Specialist
| Benefit | In-network |
|---|---|
| Specialist Visit | $25.00 |
Hospital
| Benefit | In-network |
|---|---|
| Emergency Room Services | $600.00 |
| Inpatient Hospital Services (e.g., Hospital Stay) | $1100.00 Copay per Day |
| Outpatient Surgery Physician/Surgical Services | $200.00 |
| Urgent Care Centers or Facilities | $50.00 |
Pharmacy
| Benefit | In-network |
|---|---|
| Generic Drugs | $3.00 |
| Non-Preferred Brand Drugs | 50.00% Coinsurance after deductible |
| Preferred Brand Drugs | $75.00 Copay after deductible |
| Specialty Drugs | 50.00% Coinsurance after deductible |
Mental Health
| Benefit | In-network |
|---|---|
| Mental/Behavioral Health Inpatient Services | $1100.00 Copay per Day |
| Mental/Behavioral Health Outpatient Services | $25.00 |
Other
| Benefit | In-network |
|---|---|
| Routine Dental Services (Adult) | Not covered |
| Routine Eye Exam (Adult) | Not covered |
| Abortion for Which Public Funding is Prohibited | Not covered |
| Accidental Dental | $200.00 |
| Acupuncture | Not covered |
| Allergy Testing | $25.00 |
| Bariatric Surgery | Not covered |
| Basic Dental Care - Adult | Not covered |
| Basic Dental Care - Child | Not covered |
| Chemotherapy | $200.00 |
| Chiropractic Care | No charge |
| Cosmetic Surgery | Not covered |
| Delivery and All Inpatient Services for Maternity Care | $1,100.00 |
| Dental Check-Up for Children | Not covered |
| Diabetes Education | No charge |
| Dialysis | 20.00% |
| Durable Medical Equipment | 20.00% |
| Emergency Transportation/Ambulance | $600.00 |
| Eye Glasses for Children | 50.00% |
| Habilitation Services | No charge |
| Hearing Aids | No charge |
| Home Health Care Services | 20.00% |
| Hospice Services | 20.00% |
| Imaging (CT/PET Scans, MRIs) | $375.00 |
| Infertility Treatment | $500.00 |
| Infusion Therapy | 20.00% |
| Inpatient Physician and Surgical Services | $200.00 |
| Laboratory Outpatient and Professional Services | $25.00 |
| Long-Term/Custodial Nursing Home Care | Not covered |
| Major Dental Care - Adult | Not covered |
| Major Dental Care - Child | Not covered |
| Routine Eye Exam for Children | No charge |
| Nutritional Counseling | No charge |
| Orthodontia - Adult | Not covered |
| Orthodontia - Child | Not covered |
| Other Practitioner Office Visit (Nurse, Physician Assistant) | No charge |
| Outpatient Facility Fee (e.g., Ambulatory Surgery Center) | $500.00 |
| Outpatient Rehabilitation Services | No charge |
| Routine Foot Care | Not covered |
| Prenatal and Postnatal Care | No charge |
| Private-Duty Nursing | 20.00% |
| Prosthetic Devices | 20.00% |
| Radiation | 20.00% |
| Reconstructive Surgery | $1,100.00 |
| Rehabilitative Occupational and Rehabilitative Physical Therapy | No charge |
| Rehabilitative Speech Therapy | No charge |
| Skilled Nursing Facility | $1100.00 Copay per Day |
| Substance Abuse Disorder Inpatient Services | $1100.00 Copay per Day |
| Substance Abuse Disorder Outpatient Services | $25.00 |
| Transplant | $1,100.00 |
| Treatment for Temporomandibular Joint Disorders | 20.00% |
| Weight Loss Programs | Not covered |
| Well Baby Visits and Care | No charge |
| X-rays and Diagnostic Imaging | $75.00 |
Plan rules
Service area
This plan covers 31 geographic areas.
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