UHC Gold Copay Focus + $0 Indiv Med Ded ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision, No Referrals)

UnitedHealthcare · 2026 plan year

Gold
Ind. medical deductible
$0
Rx deductible (separate)
$500
Family deductible
$0
Ind. OOP max
$9,300
Family OOP max
$18,600

This plan sets a separate deductible for prescription drugs. The medical deductible shown does not cover prescriptions; they have their own.

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Live premium estimate

$

Benefits & cost sharing

Primary Care

BenefitIn-network
Primary Care Visit to Treat an Injury or Illness$5.00
Preventive Care/Screening/ImmunizationNo charge

Specialist

BenefitIn-network
Specialist Visit$60.00

Hospital

BenefitIn-network
Emergency Room Services$750.00
Inpatient Hospital Services (e.g., Hospital Stay)$2000.00 Copay per Day
Outpatient Surgery Physician/Surgical Services$300.00
Urgent Care Centers or Facilities$50.00

Pharmacy

BenefitIn-network
Generic Drugs$5.00
Non-Preferred Brand Drugs45.00% Coinsurance after deductible
Preferred Brand Drugs$50.00
Specialty Drugs50.00% Coinsurance after deductible

Mental Health

BenefitIn-network
Mental/Behavioral Health Inpatient Services$2000.00 Copay per Day
Mental/Behavioral Health Outpatient Services$40.00

Other

BenefitIn-network
Gender Affirming Care$450.00
Reconstructive Surgery$450.00
Private-Duty NursingNot covered
Prosthetic Devices45.00%
Radiation$75.00
Abortion for Which Public Funding is ProhibitedNot covered
Accidental Dental45.00%
AcupunctureNot covered
Allergy Testing45.00%
Bariatric SurgeryNot covered
Basic Dental Care - Adult50.00%
Basic Dental Care - Child45.00%
Chemotherapy$500.00
Chiropractic Care45.00%
Cosmetic SurgeryNot covered
Delivery and All Inpatient Services for Maternity Care$2,000.00
Dental Check-Up for ChildrenNo charge
Diabetes Education45.00%
Dialysis$300.00
Durable Medical Equipment45.00%
Emergency Transportation/Ambulance$750.00
Eye Glasses for Children45.00%
Habilitation Services$60.00
Hearing AidsNot covered
Home Health Care Services45.00%
Hospice Services45.00%
Imaging (CT/PET Scans, MRIs)$300.00
Infertility TreatmentNot covered
Infusion Therapy$75.00
Inpatient Physician and Surgical ServicesNo charge
Laboratory Outpatient and Professional Services$10.00
Long-Term/Custodial Nursing Home CareNot covered
Major Dental Care - Adult50.00%
Major Dental Care - Child45.00%
Nutritional CounselingNot covered
Orthodontia - AdultNot covered
Orthodontia - ChildNot covered
Other Practitioner Office Visit (Nurse, Physician Assistant)45.00%
Outpatient Facility Fee (e.g., Ambulatory Surgery Center)$450.00
Outpatient Rehabilitation Services$60.00
Prenatal and Postnatal CareNo charge
Rehabilitative Occupational and Rehabilitative Physical Therapy$60.00
Rehabilitative Speech Therapy$60.00
Routine Dental Services (Adult)No charge
Routine Eye Exam (Adult)No charge
Routine Eye Exam for ChildrenNo charge
Routine Foot Care$60.00
Skilled Nursing Facility$2000.00 Copay per Day
Substance Abuse Disorder Inpatient Services$2000.00 Copay per Day
Substance Abuse Disorder Outpatient Services$40.00
Transplant$2,000.00
Treatment for Temporomandibular Joint Disorders45.00%
Weight Loss ProgramsNot covered
Well Baby Visits and CareNo charge
X-rays and Diagnostic Imaging$60.00

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