Gold Classic

Oscar Health Insurance · 2026 plan year

Gold
Ind. deductible
$2,250
Family deductible
$4,500
Ind. OOP max
$7,500
Family OOP max
$15,000

More Oscar Health Insurance plans in OH

Live premium estimate

$

Benefits & cost sharing

Primary Care

BenefitIn-network
Preventive Care/Screening/ImmunizationNo charge
Primary Care Visit to Treat an Injury or Illness$35.00

Specialist

BenefitIn-network
Specialist Visit$40.00

Hospital

BenefitIn-network
Emergency Room Services$650.00
Inpatient Hospital Services (e.g., Hospital Stay)30.00% Coinsurance after deductible
Urgent Care Centers or Facilities$75.00
Outpatient Surgery Physician/Surgical Services30.00% Coinsurance after deductible

Pharmacy

BenefitIn-network
Generic Drugs$3.00
Non-Preferred Brand Drugs50.00% Coinsurance after deductible
Preferred Brand Drugs$50.00
Specialty Drugs50.00% Coinsurance after deductible

Mental Health

BenefitIn-network
Mental/Behavioral Health Inpatient Services30.00% Coinsurance after deductible
Mental/Behavioral Health Outpatient Services$35.00

Other

BenefitIn-network
Basic Dental Care - ChildNot covered
Abortion for Which Public Funding is ProhibitedNot covered
Accidental Dental30.00% Coinsurance after deductible
AcupunctureNot covered
Allergy Testing$40.00
Bariatric SurgeryNot covered
Basic Dental Care - AdultNot covered
Chemotherapy30.00% Coinsurance after deductible
Chiropractic Care$35.00
Cosmetic SurgeryNot covered
Delivery and All Inpatient Services for Maternity Care30.00% Coinsurance after deductible
Dental Check-Up for ChildrenNot covered
Diabetes EducationNo charge
Dialysis30.00% Coinsurance after deductible
Durable Medical Equipment30.00% Coinsurance after deductible
Emergency Transportation/Ambulance$650.00
Eye Glasses for Children50.00%
Habilitation Services$35.00
Hearing AidsNo charge
Home Health Care Services30.00% Coinsurance after deductible
Hospice Services30.00% Coinsurance after deductible
Imaging (CT/PET Scans, MRIs)$375.00
Infertility Treatment30.00% Coinsurance after deductible
Infusion Therapy30.00% Coinsurance after deductible
Inpatient Physician and Surgical Services30.00% Coinsurance after deductible
Laboratory Outpatient and Professional Services$50.00
Long-Term/Custodial Nursing Home CareNot covered
Major Dental Care - AdultNot covered
Major Dental Care - ChildNot covered
Nutritional Counseling$35.00
Orthodontia - AdultNot covered
Orthodontia - ChildNot covered
Other Practitioner Office Visit (Nurse, Physician Assistant)$35.00
Outpatient Facility Fee (e.g., Ambulatory Surgery Center)30.00% Coinsurance after deductible
Outpatient Rehabilitation Services$35.00
Weight Loss ProgramsNot covered
Well Baby Visits and CareNo charge
Prenatal and Postnatal CareNo charge
Private-Duty Nursing30.00% Coinsurance after deductible
Prosthetic Devices30.00% Coinsurance after deductible
Radiation30.00% Coinsurance after deductible
Reconstructive Surgery30.00% Coinsurance after deductible
X-rays and Diagnostic Imaging$75.00
Rehabilitative Occupational and Rehabilitative Physical Therapy$35.00
Rehabilitative Speech Therapy$35.00
Routine Dental Services (Adult)Not covered
Routine Eye Exam (Adult)Not covered
Routine Eye Exam for ChildrenNo charge
Routine Foot CareNot covered
Skilled Nursing Facility30.00% Coinsurance after deductible
Substance Abuse Disorder Inpatient Services30.00% Coinsurance after deductible
Substance Abuse Disorder Outpatient Services$35.00
Transplant30.00% Coinsurance after deductible
Treatment for Temporomandibular Joint Disorders30.00% Coinsurance after deductible

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