Wellpoint Essential Silver POS 4000 ($0 Virtual PCP + $0 Select Drugs + Incentives)

WellPoint · 2026 plan year

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

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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$5.00

Specialist

BenefitIn-network
Specialist Visit$50.00

Hospital

BenefitIn-network
Emergency Room Services$150.00 Copay after deductible + 40.00% Coinsurance after deductible
Inpatient Hospital Services (e.g., Hospital Stay)$150.00 Copay per Stay after deductible + 40.00% Coinsurance after deductible
Outpatient Surgery Physician/Surgical Services10.00% Coinsurance after deductible
Urgent Care Centers or Facilities$50.00

Pharmacy

BenefitIn-network
Generic Drugs$3.00
Non-Preferred Brand Drugs20.00% Coinsurance after deductible
Preferred Brand Drugs$30.00
Specialty Drugs50.00% Coinsurance after deductible

Mental Health

BenefitIn-network
Mental/Behavioral Health Inpatient Services$150.00 Copay per Stay after deductible + 40.00% Coinsurance after deductible
Mental/Behavioral Health Outpatient Services10.00% Coinsurance after deductible

Other

BenefitIn-network
Abortion for Which Public Funding is ProhibitedNot covered
Accidental Dental$50.00
AcupunctureNot covered
Allergy Testing10.00% Coinsurance after deductible
Bariatric SurgeryNot covered
Basic Dental Care - AdultNot covered
Basic Dental Care - ChildNot covered
Chemotherapy10.00% Coinsurance after deductible
Chiropractic Care10.00% Coinsurance after deductible
Cosmetic SurgeryNot covered
Delivery and All Inpatient Services for Maternity Care$150.00 Copay after deductible + 40.00% Coinsurance after deductible
Dental Check-Up for ChildrenNot covered
Diabetes Education$50.00
Dialysis10.00% Coinsurance after deductible
Durable Medical Equipment10.00% Coinsurance after deductible
Emergency Transportation/Ambulance10.00% Coinsurance after deductible
Eye Glasses for ChildrenNo charge
Habilitation Services10.00% Coinsurance after deductible
Hearing Aids10.00% Coinsurance after deductible
Home Health Care Services10.00% Coinsurance after deductible
Hospice Services10.00% Coinsurance after deductible
Imaging (CT/PET Scans, MRIs)10.00% Coinsurance after deductible
Infertility TreatmentNot covered
Infusion Therapy10.00% Coinsurance after deductible
Inpatient Physician and Surgical Services10.00% Coinsurance after deductible
Laboratory Outpatient and Professional Services10.00% Coinsurance after deductible
Long-Term/Custodial Nursing Home CareNot covered
Major Dental Care - AdultNot covered
Major Dental Care - ChildNot covered
Nutritional Counseling10.00% Coinsurance after deductible
Orthodontia - AdultNot covered
Orthodontia - ChildNot covered
Other Practitioner Office Visit (Nurse, Physician Assistant)$5.00
Outpatient Facility Fee (e.g., Ambulatory Surgery Center)10.00% Coinsurance after deductible
Outpatient Rehabilitation Services10.00% Coinsurance after deductible
Prenatal and Postnatal Care10.00% Coinsurance after deductible
Private-Duty NursingNot covered
Prosthetic Devices10.00% Coinsurance after deductible
Radiation10.00% Coinsurance after deductible
Reconstructive Surgery$150.00 Copay after deductible + 40.00% Coinsurance after deductible
Rehabilitative Occupational and Rehabilitative Physical Therapy10.00% Coinsurance after deductible
Rehabilitative Speech Therapy10.00% Coinsurance 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 Facility10.00% Coinsurance after deductible
Substance Abuse Disorder Inpatient Services$150.00 Copay per Stay after deductible + 40.00% Coinsurance after deductible
Substance Abuse Disorder Outpatient Services10.00% Coinsurance after deductible
Transplant$150.00 Copay after deductible + 40.00% Coinsurance after deductible
Treatment for Temporomandibular Joint Disorders10.00% Coinsurance after deductible
Weight Loss ProgramsNot covered
Well Baby Visits and CareNo charge
X-rays and Diagnostic Imaging10.00% Coinsurance after deductible

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