Silver Classic
Oscar Insurance Company · 2026 plan year
Silver
- Ind. deductible
- $5,600
- Family deductible
- $11,200
- Ind. OOP max
- $8,400
- Family OOP max
- $16,800
Compare with other Silver plans in MI
Side by side: deductibles, out-of-pocket limits and copays.
Other cost-sharing reduction variants for this plan:
More Oscar Insurance Company plans in MI
Monthly premiums by age
Rating Area 12
| Age | Individual | Individual + tobacco |
|---|---|---|
| Under 15 | $285 | $285 |
| 21 | $372 | $372 |
| 30 | $422 | $443 |
| 40 | $476 | $518 |
| 50 | $665 | $724 |
| 60 | $1,010 | $1,136 |
| 64 and over | $1,116 | $1,256 |
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 | $35.00 |
Specialist
| Benefit | In-network |
|---|---|
| Specialist Visit | $80.00 |
Hospital
| Benefit | In-network |
|---|---|
| Emergency Room Services | $750.00 Copay after deductible |
| Outpatient Surgery Physician/Surgical Services | 50.00% Coinsurance after deductible |
| Inpatient Hospital Services (e.g., Hospital Stay) | 50.00% Coinsurance after deductible |
| Urgent Care Centers or Facilities | $80.00 |
Pharmacy
| Benefit | In-network |
|---|---|
| Generic Drugs | $3.00 |
| Non-Preferred Brand Drugs | 50.00% Coinsurance after deductible |
| Preferred Brand Drugs | $75.00 |
| Specialty Drugs | 50.00% Coinsurance after deductible |
Mental Health
| Benefit | In-network |
|---|---|
| Mental/Behavioral Health Inpatient Services | 50.00% Coinsurance after deductible |
| Mental/Behavioral Health Outpatient Services | $35.00 |
Other
| Benefit | In-network |
|---|---|
| Abortion for Which Public Funding is Prohibited | Not covered |
| Accidental Dental | Not covered |
| Acupuncture | Not covered |
| Allergy Testing | $80.00 |
| Bariatric Surgery | 50.00% Coinsurance after deductible |
| Basic Dental Care - Adult | Not covered |
| Basic Dental Care - Child | Not covered |
| Chemotherapy | 50.00% Coinsurance after deductible |
| Chiropractic Care | $80.00 |
| Cosmetic Surgery | Not covered |
| Outpatient Facility Fee (e.g., Ambulatory Surgery Center) | 50.00% Coinsurance after deductible |
| Delivery and All Inpatient Services for Maternity Care | 50.00% Coinsurance after deductible |
| Dental Check-Up for Children | Not covered |
| Diabetes Education | No charge |
| Dialysis | 50.00% Coinsurance after deductible |
| Durable Medical Equipment | 50.00% Coinsurance after deductible |
| Emergency Transportation/Ambulance | $750.00 Copay after deductible |
| Eye Glasses for Children | 50.00% |
| Gender Affirming Care | 50.00% Coinsurance after deductible |
| Habilitation Services | $80.00 |
| Hearing Aids | Not covered |
| Home Health Care Services | 50.00% Coinsurance after deductible |
| Outpatient Rehabilitation Services | $80.00 |
| Hospice Services | 50.00% Coinsurance after deductible |
| Imaging (CT/PET Scans, MRIs) | 50.00% Coinsurance after deductible |
| Infertility Treatment | 50.00% Coinsurance after deductible |
| Infusion Therapy | 50.00% Coinsurance after deductible |
| Inpatient Physician and Surgical Services | 50.00% Coinsurance after deductible |
| Laboratory Outpatient and Professional Services | $50.00 |
| Long-Term/Custodial Nursing Home Care | Not covered |
| Major Dental Care - Adult | Not covered |
| Major Dental Care - Child | Not covered |
| Nutritional Counseling | $35.00 |
| Orthodontia - Adult | Not covered |
| Orthodontia - Child | Not covered |
| Other Practitioner Office Visit (Nurse, Physician Assistant) | $35.00 |
| Routine Eye Exam for Children | No charge |
| Prenatal and Postnatal Care | No charge |
| Private-Duty Nursing | Not covered |
| Prosthetic Devices | 50.00% Coinsurance after deductible |
| Radiation | 50.00% Coinsurance after deductible |
| Reconstructive Surgery | 50.00% Coinsurance after deductible |
| Rehabilitative Occupational and Rehabilitative Physical Therapy | $80.00 |
| Rehabilitative Speech Therapy | $80.00 |
| Routine Dental Services (Adult) | Not covered |
| Routine Eye Exam (Adult) | Not covered |
| Routine Foot Care | Not covered |
| Skilled Nursing Facility | 50.00% Coinsurance after deductible |
| Specified Sex-trait Modification Procedures (SSTMP) | 50.00% Coinsurance after deductible |
| Substance Abuse Disorder Inpatient Services | 50.00% Coinsurance after deductible |
| Substance Abuse Disorder Outpatient Services | $35.00 |
| Transplant | 50.00% Coinsurance after deductible |
| Treatment for Temporomandibular Joint Disorders | 50.00% Coinsurance after deductible |
| Weight Loss Programs | $35.00 |
| Well Baby Visits and Care | No charge |
| X-rays and Diagnostic Imaging | $70.00 |
Plan rules
Service area
This plan covers 4 geographic areas.
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