UHC Gold Advantage ($0 Virtual Urgent Care, $1 Tier 2 Rx, No Referrals)

UnitedHealthcare · 2026 plan year

Gold
Ind. deductible
$750
Family deductible
$1,500
Ind. OOP max
$9,200
Family OOP max
$18,400

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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$15.00

Specialist

BenefitIn-network
Specialist Visit$50.00

Hospital

BenefitIn-network
Emergency Room Services20.00% Coinsurance after deductible
Inpatient Hospital Services (e.g., Hospital Stay)20.00% Coinsurance after deductible
Outpatient Surgery Physician/Surgical Services$300.00 Copay after deductible
Urgent Care Centers or Facilities$50.00

Pharmacy

BenefitIn-network
Generic Drugs$1.00
Non-Preferred Brand Drugs30.00% Coinsurance after deductible
Preferred Brand Drugs$30.00
Specialty Drugs40.00% Coinsurance after deductible

Mental Health

BenefitIn-network
Mental/Behavioral Health Inpatient Services20.00% Coinsurance after deductible
Mental/Behavioral Health Outpatient Services$15.00

Other

BenefitIn-network
Abortion for Which Public Funding is ProhibitedNot covered
Accidental Dental20.00% Coinsurance after deductible
AcupunctureNot covered
Allergy Testing20.00% Coinsurance after deductible
Bariatric Surgery$600.00 Copay after deductible
Basic Dental Care - AdultNot covered
Basic Dental Care - Child20.00% Coinsurance after deductible
Chemotherapy$500.00 Copay after deductible
Chiropractic Care20.00% Coinsurance after deductible
Cosmetic SurgeryNot covered
Delivery and All Inpatient Services for Maternity Care20.00% Coinsurance after deductible
Dental Check-Up for ChildrenNo charge
Diabetes Education20.00% Coinsurance after deductible
Dialysis$300.00 Copay after deductible
Durable Medical Equipment20.00% Coinsurance after deductible
Emergency Transportation/Ambulance20.00% Coinsurance after deductible
Eye Glasses for Children20.00% Coinsurance after deductible
Gender Affirming Care$600.00 Copay after deductible
Habilitation Services$50.00 Copay after deductible
Hearing Aids20.00% Coinsurance after deductible
Home Health Care Services20.00% Coinsurance after deductible
Hospice Services20.00% Coinsurance after deductible
Imaging (CT/PET Scans, MRIs)$200.00 Copay after deductible
Infertility Treatment20.00% Coinsurance after deductible
Infusion Therapy$75.00 Copay after deductible
Inpatient Physician and Surgical Services20.00% Coinsurance after deductible
Laboratory Outpatient and Professional Services$10.00
Long-Term/Custodial Nursing Home CareNot covered
Major Dental Care - AdultNot covered
Major Dental Care - Child20.00% Coinsurance after deductible
Nutritional Counseling20.00% Coinsurance after deductible
Orthodontia - AdultNot covered
Orthodontia - Child50.00% Coinsurance after deductible
Other Practitioner Office Visit (Nurse, Physician Assistant)20.00% Coinsurance after deductible
Outpatient Facility Fee (e.g., Ambulatory Surgery Center)$600.00 Copay after deductible
Outpatient Rehabilitation Services$50.00 Copay after deductible
Prenatal and Postnatal CareNo charge
Private-Duty Nursing20.00% Coinsurance after deductible
Prosthetic Devices20.00% Coinsurance after deductible
Radiation$75.00 Copay after deductible
Reconstructive Surgery$600.00 Copay after deductible
Rehabilitative Occupational and Rehabilitative Physical Therapy$50.00 Copay after deductible
Rehabilitative Speech Therapy$50.00 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 Facility20.00% Coinsurance after deductible
Substance Abuse Disorder Inpatient Services20.00% Coinsurance after deductible
Substance Abuse Disorder Outpatient Services$15.00
Transplant20.00% Coinsurance after deductible
Treatment for Temporomandibular Joint Disorders20.00% Coinsurance after deductible
Weight Loss ProgramsNot covered
Well Baby Visits and CareNo charge
X-rays and Diagnostic Imaging$35.00 Copay after deductible

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