UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals)

UnitedHealthcare · 2026 plan year

Silver
Ind. deductible
$900
Family deductible
$1,800
Ind. OOP max
$3,200
Family OOP max
$6,400

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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$35.00

Hospital

BenefitIn-network
Emergency Room Services$150.00 Copay after deductible
Inpatient Hospital Services (e.g., Hospital Stay)25.00% Coinsurance after deductible
Outpatient Surgery Physician/Surgical Services$175.00 Copay after deductible
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$40.00
Specialty Drugs50.00% Coinsurance after deductible

Mental Health

BenefitIn-network
Mental/Behavioral Health Inpatient Services25.00% Coinsurance after deductible
Mental/Behavioral Health Outpatient Services$20.00

Other

BenefitIn-network
Allergy TestingNot covered
Bariatric SurgeryNot covered
Basic Dental Care - AdultNot covered
Major Dental Care - AdultNot covered
Abortion for Which Public Funding is ProhibitedNot covered
Accidental Dental25.00% Coinsurance after deductible
AcupunctureNot covered
Basic Dental Care - Child25.00% Coinsurance after deductible
Chemotherapy$500.00 Copay after deductible
Chiropractic Care25.00% Coinsurance after deductible
Cosmetic SurgeryNot covered
Delivery and All Inpatient Services for Maternity Care25.00% Coinsurance after deductible
Dental Check-Up for ChildrenNo charge
Diabetes Education25.00% Coinsurance after deductible
Dialysis$300.00 Copay after deductible
Durable Medical Equipment25.00% Coinsurance after deductible
Emergency Transportation/Ambulance$150.00 Copay after deductible
Eye Glasses for Children25.00% Coinsurance after deductible
Gender Affirming Care$300.00 Copay after deductible
Habilitation Services$40.00 Copay after deductible
Hearing Aids25.00% Coinsurance after deductible
Home Health Care Services25.00% Coinsurance after deductible
Hospice Services25.00% Coinsurance after deductible
Imaging (CT/PET Scans, MRIs)$50.00 Copay after deductible
Infertility TreatmentNot covered
Infusion Therapy$75.00 Copay after deductible
Inpatient Physician and Surgical Services25.00% Coinsurance after deductible
Laboratory Outpatient and Professional Services$5.00
Long-Term/Custodial Nursing Home CareNot covered
Major Dental Care - Child25.00% Coinsurance after deductible
Nutritional CounselingNot covered
Orthodontia - AdultNot covered
Orthodontia - Child50.00% Coinsurance after deductible
Other Practitioner Office Visit (Nurse, Physician Assistant)25.00% Coinsurance after deductible
Outpatient Facility Fee (e.g., Ambulatory Surgery Center)$300.00 Copay after deductible
Outpatient Rehabilitation Services$40.00 Copay after deductible
Prenatal and Postnatal CareNo charge
Private-Duty NursingNot covered
Prosthetic Devices25.00% Coinsurance after deductible
Radiation$75.00 Copay after deductible
Reconstructive Surgery$300.00 Copay after deductible
Rehabilitative Occupational and Rehabilitative Physical Therapy$40.00 Copay after deductible
Rehabilitative Speech Therapy$40.00 Copay after deductible
Routine Dental Services (Adult)Not covered
Routine Eye Exam (Adult)Not covered
Routine Eye Exam for ChildrenNo charge
Routine Foot CareNot covered
Skilled Nursing Facility25.00% Coinsurance after deductible
Substance Abuse Disorder Inpatient Services25.00% Coinsurance after deductible
Substance Abuse Disorder Outpatient Services$20.00
Transplant25.00% Coinsurance after deductible
Treatment for Temporomandibular Joint Disorders25.00% Coinsurance after deductible
Weight Loss ProgramsNot covered
Well Baby Visits and CareNo charge
X-rays and Diagnostic Imaging$35.00 Copay after deductible

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