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

UnitedHealthcare · 2026 plan year

Silver
Ind. deductible
$150
Family deductible
$300
Ind. OOP max
$1,700
Family OOP max
$3,400

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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$5.00

Specialist

BenefitIn-network
Specialist Visit$10.00

Hospital

BenefitIn-network
Emergency Room Services$150.00 Copay after deductible
Inpatient Hospital Services (e.g., Hospital Stay)10.00% Coinsurance after deductible
Outpatient Surgery Physician/Surgical Services$20.00 Copay after deductible
Urgent Care Centers or Facilities$40.00

Pharmacy

BenefitIn-network
Generic Drugs$1.00
Non-Preferred Brand Drugs40.00% Coinsurance after deductible
Preferred Brand Drugs$30.00
Specialty Drugs50.00% Coinsurance after deductible

Mental Health

BenefitIn-network
Mental/Behavioral Health Inpatient Services10.00% Coinsurance after deductible
Mental/Behavioral Health Outpatient Services$5.00

Other

BenefitIn-network
Abortion for Which Public Funding is ProhibitedNot covered
Accidental Dental10.00% Coinsurance after deductible
AcupunctureNot covered
Allergy TestingNot covered
Bariatric SurgeryNot covered
Basic Dental Care - AdultNot covered
Basic Dental Care - Child10.00% Coinsurance after deductible
Chemotherapy$150.00 Copay after deductible
Chiropractic Care10.00% Coinsurance after deductible
Cosmetic SurgeryNot covered
Delivery and All Inpatient Services for Maternity Care10.00% Coinsurance after deductible
Dental Check-Up for ChildrenNo charge
Diabetes Education10.00% Coinsurance after deductible
Dialysis$100.00 Copay after deductible
Durable Medical Equipment10.00% Coinsurance after deductible
Emergency Transportation/Ambulance$150.00 Copay after deductible
Eye Glasses for Children10.00% Coinsurance after deductible
Gender Affirming Care$100.00 Copay after deductible
Habilitation Services$15.00 Copay 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 Copay after deductible
Infertility TreatmentNot covered
Infusion Therapy$30.00 Copay after deductible
Inpatient Physician and Surgical Services10.00% Coinsurance after deductible
Laboratory Outpatient and Professional Services$1.00
Long-Term/Custodial Nursing Home CareNot covered
Major Dental Care - AdultNot covered
Major Dental Care - Child10.00% Coinsurance after deductible
Nutritional CounselingNot covered
Orthodontia - AdultNot covered
Orthodontia - Child50.00% Coinsurance after deductible
Other Practitioner Office Visit (Nurse, Physician Assistant)10.00% Coinsurance after deductible
Outpatient Facility Fee (e.g., Ambulatory Surgery Center)$100.00 Copay after deductible
Outpatient Rehabilitation Services$15.00 Copay after deductible
Prenatal and Postnatal CareNo charge
Private-Duty NursingNot covered
Prosthetic Devices10.00% Coinsurance after deductible
Radiation$30.00 Copay after deductible
Reconstructive Surgery$100.00 Copay after deductible
Rehabilitative Occupational and Rehabilitative Physical Therapy$15.00 Copay after deductible
Rehabilitative Speech Therapy$15.00 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 Facility10.00% Coinsurance after deductible
Substance Abuse Disorder Inpatient Services10.00% Coinsurance after deductible
Substance Abuse Disorder Outpatient Services$5.00
Transplant10.00% 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 Imaging$5.00 Copay after deductible

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