UHC Silver Value ($0 Virtual Urgent Care, No Referrals)

UnitedHealthcare · 2026 plan year

Silver

Ind. deductible: $3,550
Family deductible: $7,100
Ind. OOP max: $10,000
Family OOP max: $20,000

Compare with other Silver plans in NC

Side by side: deductibles, out-of-pocket limits and copays.

Connect Silver RD 3500 Indiv Med DeductibleCigna Healthcare · Deductible $3,500 · Out-of-pocket max $9,000
Connect Silver 3600 Indiv Med DeductibleCigna Healthcare · Deductible $3,600 · Out-of-pocket max $9,150
Blue Local Silver Choice A | 3 Free PCP | $15 Tier 1 Rx | with Atrium HealthBlue Cross and Blue Shield of NC · Deductible $3,000 medical + $250 Rx (separate) · Out-of-pocket max $10,600

Compare 4 plans Browse all Silver plans in NC

Other cost-sharing reduction variants for this plan:

73% AV Level Silver Plan 87% AV Level Silver Plan 94% AV Level Silver Plan Limited Cost Sharing Plan Variation Standard Silver Off Exchange Plan Zero Cost Sharing Plan Variation

More UnitedHealthcare plans in NC

UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals)UHC Gold Standard (No Referrals)UHC Bronze Essential ($0 Virtual Urgent Care, No Referrals UHC Silver Standard (No Referrals)UHC Bronze Standard (No Referrals)

Monthly premiums by age

Rating Area 13 — the lowest-priced of the 9 areas this plan covers. Premiums differ by area.

Age	Individual	Individual + tobacco
Under 15	$446	$446
21	$583	$612
30	$662	$728
40	$745	$820
50	$1,041	$1,249
60	$1,582	$1,899
64 and over	$1,749	$2,099

Live premium estimate

Benefits & cost sharing

Primary Care

Benefit	In-network
Preventive Care/Screening/Immunization	No charge
Primary Care Visit to Treat an Injury or Illness	$40.00

Specialist

Benefit	In-network
Specialist Visit	$100.00

Hospital

Benefit	In-network
Emergency Room Services	40.00% Coinsurance after deductible
Inpatient Hospital Services (e.g., Hospital Stay)	40.00% Coinsurance after deductible
Outpatient Surgery Physician/Surgical Services	40.00% Coinsurance after deductible
Urgent Care Centers or Facilities	$100.00

Pharmacy

Benefit	In-network
Generic Drugs	$5.00
Non-Preferred Brand Drugs	40.00% Coinsurance after deductible
Preferred Brand Drugs	$100.00 Copay after deductible
Specialty Drugs	50.00% Coinsurance after deductible

Mental Health

Benefit	In-network
Mental/Behavioral Health Inpatient Services	40.00% Coinsurance after deductible
Mental/Behavioral Health Outpatient Services	$40.00

Other

Benefit	In-network
Abortion for Which Public Funding is Prohibited	Not covered
Accidental Dental	40.00% Coinsurance after deductible
Acupuncture	Not covered
Allergy Testing	40.00% Coinsurance after deductible
Bariatric Surgery	40.00% Coinsurance after deductible
Basic Dental Care - Adult	Not covered
Basic Dental Care - Child	40.00% Coinsurance after deductible
Chemotherapy	40.00% Coinsurance after deductible
Chiropractic Care	40.00% Coinsurance after deductible
Cosmetic Surgery	Not covered
Delivery and All Inpatient Services for Maternity Care	40.00% Coinsurance after deductible
Dental Check-Up for Children	No charge
Diabetes Education	40.00% Coinsurance after deductible
Dialysis	40.00% Coinsurance after deductible
Durable Medical Equipment	40.00% Coinsurance after deductible
Emergency Transportation/Ambulance	40.00% Coinsurance after deductible
Eye Glasses for Children	40.00% Coinsurance after deductible
Gender Affirming Care	40.00% Coinsurance after deductible
Habilitation Services	40.00% Coinsurance after deductible
Hearing Aids	40.00% Coinsurance after deductible
Home Health Care Services	40.00% Coinsurance after deductible
Hospice Services	40.00% Coinsurance after deductible
Imaging (CT/PET Scans, MRIs)	40.00% Coinsurance after deductible
Infertility Treatment	40.00% Coinsurance after deductible
Infusion Therapy	40.00% Coinsurance after deductible
Inpatient Physician and Surgical Services	40.00% Coinsurance after deductible
Laboratory Outpatient and Professional Services	$15.00
Long-Term/Custodial Nursing Home Care	Not covered
Major Dental Care - Adult	Not covered
Major Dental Care - Child	40.00% Coinsurance after deductible
Nutritional Counseling	40.00% Coinsurance after deductible
Orthodontia - Adult	Not covered
Orthodontia - Child	50.00% Coinsurance after deductible
Other Practitioner Office Visit (Nurse, Physician Assistant)	40.00% Coinsurance after deductible
Outpatient Facility Fee (e.g., Ambulatory Surgery Center)	40.00% Coinsurance after deductible
Outpatient Rehabilitation Services	40.00% Coinsurance after deductible
Prenatal and Postnatal Care	No charge
Private-Duty Nursing	40.00% Coinsurance after deductible
Prosthetic Devices	40.00% Coinsurance after deductible
Radiation	40.00% Coinsurance after deductible
Reconstructive Surgery	40.00% Coinsurance after deductible
Rehabilitative Occupational and Rehabilitative Physical Therapy	40.00% Coinsurance after deductible
Rehabilitative Speech Therapy	40.00% Coinsurance after deductible
Routine Dental Services (Adult)	Not covered
Routine Eye Exam (Adult)	Not covered
Routine Eye Exam for Children	No charge
Routine Foot Care	Not covered
Skilled Nursing Facility	40.00% Coinsurance after deductible
Substance Abuse Disorder Inpatient Services	40.00% Coinsurance after deductible
Substance Abuse Disorder Outpatient Services	$40.00
Transplant	40.00% Coinsurance after deductible
Treatment for Temporomandibular Joint Disorders	40.00% Coinsurance after deductible
Weight Loss Programs	Not covered
Well Baby Visits and Care	No charge
X-rays and Diagnostic Imaging	40.00% Coinsurance after deductible