UHC Silver Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals)

UnitedHealthcare · 2026 plan year

Silver
Ind. medical deductible
$0
Rx deductible (separate)
$500
Family deductible
$0
Ind. OOP max
$3,200
Family OOP max
$6,400

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
Preventive Care/Screening/ImmunizationNo charge
Primary Care Visit to Treat an Injury or Illness$20.00

Specialist

BenefitIn-network
Specialist Visit$50.00

Hospital

BenefitIn-network
Emergency Room Services$650.00
Inpatient Hospital Services (e.g., Hospital Stay)$1000.00 Copay per Day
Outpatient Surgery Physician/Surgical Services$250.00
Urgent Care Centers or Facilities$60.00

Pharmacy

BenefitIn-network
Generic Drugs$5.00
Non-Preferred Brand Drugs40.00% Coinsurance after deductible
Preferred Brand Drugs$20.00
Specialty Drugs50.00% Coinsurance after deductible

Mental Health

BenefitIn-network
Mental/Behavioral Health Inpatient Services$1000.00 Copay per Day
Mental/Behavioral Health Outpatient Services$20.00

Other

BenefitIn-network
Abortion for Which Public Funding is ProhibitedNot covered
Accidental Dental30.00%
AcupunctureNot covered
Allergy Testing30.00%
Bariatric SurgeryNot covered
Basic Dental Care - Adult50.00%
Basic Dental Care - Child30.00%
Chemotherapy$500.00
Chiropractic Care$20.00
Cosmetic SurgeryNot covered
Delivery and All Inpatient Services for Maternity Care$1,000.00
Dental Check-Up for ChildrenNo charge
Diabetes Education30.00%
Dialysis$300.00
Durable Medical Equipment30.00%
Emergency Transportation/Ambulance$650.00
Eye Glasses for Children30.00%
Gender Affirming Care$650.00
Habilitation Services$20.00
Hearing AidsNo charge
Home Health Care Services30.00%
Hospice Services30.00%
Imaging (CT/PET Scans, MRIs)$50.00
Infertility Treatment30.00%
Infusion Therapy$75.00
Inpatient Physician and Surgical ServicesNo charge
Laboratory Outpatient and Professional Services$20.00
Long-Term/Custodial Nursing Home CareNot covered
Major Dental Care - Adult50.00%
Major Dental Care - Child30.00%
Nutritional Counseling30.00%
Orthodontia - AdultNot covered
Orthodontia - Child50.00%
Other Practitioner Office Visit (Nurse, Physician Assistant)30.00%
Outpatient Facility Fee (e.g., Ambulatory Surgery Center)$650.00
Outpatient Rehabilitation Services$20.00
Prenatal and Postnatal CareNo charge
Private-Duty Nursing30.00%
Prosthetic Devices30.00%
Radiation$75.00
Reconstructive Surgery$650.00
Rehabilitative Occupational and Rehabilitative Physical Therapy$20.00
Rehabilitative Speech Therapy$20.00
Routine Dental Services (Adult)No charge
Routine Eye Exam (Adult)No charge
Routine Eye Exam for ChildrenNo charge
Routine Foot CareNot covered
Skilled Nursing Facility$1000.00 Copay per Day
Substance Abuse Disorder Inpatient Services$1000.00 Copay per Day
Substance Abuse Disorder Outpatient Services$20.00
Transplant$1,000.00
Treatment for Temporomandibular Joint Disorders30.00%
Weight Loss ProgramsNot covered
Well Baby Visits and CareNo charge
X-rays and Diagnostic Imaging$15.00

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