UHC Silver Advantage (No Referrals)
UnitedHealthcare · 2026 plan year
Silver
- Ind. deductible
- $2,900
- Family deductible
- $5,800
- Ind. OOP max
- $10,400
- Family OOP max
- $20,800
Compare with other Silver plans in MI
Side by side: deductibles, out-of-pocket limits and copays.
Other cost-sharing reduction variants for this plan:
More UnitedHealthcare plans in MI
Monthly premiums by age
Rating Area 2 — the lowest-priced of the 7 areas this plan covers. Premiums differ by area.
| Age | Individual | Individual + tobacco |
|---|---|---|
| Under 15 | $308 | $308 |
| 21 | $402 | $422 |
| 30 | $457 | $502 |
| 40 | $514 | $565 |
| 50 | $718 | $862 |
| 60 | $1,092 | $1,310 |
| 64 and over | $1,207 | $1,448 |
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 | $30.00 |
Specialist
| Benefit | In-network |
|---|---|
| Specialist Visit | $100.00 |
Hospital
| Benefit | In-network |
|---|---|
| Emergency Room Services | $1000.00 Copay after deductible |
| Inpatient Hospital Services (e.g., Hospital Stay) | 30.00% Coinsurance after deductible |
| Outpatient Surgery Physician/Surgical Services | $375.00 Copay after deductible |
| Urgent Care Centers or Facilities | $75.00 |
Pharmacy
| Benefit | In-network |
|---|---|
| Generic Drugs | $5.00 |
| Non-Preferred Brand Drugs | 40.00% Coinsurance after deductible |
| Preferred Brand Drugs | $85.00 Copay after deductible |
| Specialty Drugs | 50.00% Coinsurance after deductible |
Mental Health
| Benefit | In-network |
|---|---|
| Mental/Behavioral Health Inpatient Services | 30.00% Coinsurance after deductible |
| Mental/Behavioral Health Outpatient Services | $30.00 |
Other
| Benefit | In-network |
|---|---|
| Abortion for Which Public Funding is Prohibited | Not covered |
| Accidental Dental | 30.00% Coinsurance after deductible |
| Acupuncture | Not covered |
| Allergy Testing | 30.00% Coinsurance after deductible |
| Bariatric Surgery | $900.00 Copay after deductible |
| Basic Dental Care - Adult | Not covered |
| Basic Dental Care - Child | 30.00% Coinsurance after deductible |
| Chemotherapy | $750.00 Copay after deductible |
| Chiropractic Care | 30.00% Coinsurance after deductible |
| Cosmetic Surgery | Not covered |
| Delivery and All Inpatient Services for Maternity Care | 30.00% Coinsurance after deductible |
| Dental Check-Up for Children | No charge |
| Diabetes Education | 30.00% Coinsurance after deductible |
| Dialysis | $500.00 Copay after deductible |
| Durable Medical Equipment | 30.00% Coinsurance after deductible |
| Emergency Transportation/Ambulance | $1000.00 Copay after deductible |
| Eye Glasses for Children | 30.00% Coinsurance after deductible |
| Habilitation Services | $90.00 Copay after deductible |
| Hearing Aids | Not covered |
| Home Health Care Services | 30.00% Coinsurance after deductible |
| Hospice Services | 30.00% Coinsurance after deductible |
| Imaging (CT/PET Scans, MRIs) | $200.00 Copay after deductible |
| Infertility Treatment | 30.00% Coinsurance after deductible |
| Infusion Therapy | $100.00 Copay after deductible |
| Inpatient Physician and Surgical Services | 30.00% 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 | 30.00% Coinsurance after deductible |
| Nutritional Counseling | 30.00% Coinsurance after deductible |
| Orthodontia - Adult | Not covered |
| Orthodontia - Child | Not covered |
| Other Practitioner Office Visit (Nurse, Physician Assistant) | 30.00% Coinsurance after deductible |
| Outpatient Facility Fee (e.g., Ambulatory Surgery Center) | $900.00 Copay after deductible |
| Outpatient Rehabilitation Services | $90.00 Copay after deductible |
| Prenatal and Postnatal Care | No charge |
| Private-Duty Nursing | Not covered |
| Prosthetic Devices | 30.00% Coinsurance after deductible |
| Radiation | $100.00 Copay after deductible |
| Reconstructive Surgery | $900.00 Copay after deductible |
| Rehabilitative Occupational and Rehabilitative Physical Therapy | $90.00 Copay after deductible |
| Rehabilitative Speech Therapy | $90.00 Copay 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 |
| Sex-Trait Modification Procedures | $900.00 Copay after deductible |
| Skilled Nursing Facility | 30.00% Coinsurance after deductible |
| Substance Abuse Disorder Inpatient Services | 30.00% Coinsurance after deductible |
| Substance Abuse Disorder Outpatient Services | $30.00 |
| Transplant | 30.00% Coinsurance after deductible |
| Treatment for Temporomandibular Joint Disorders | 30.00% Coinsurance after deductible |
| Weight Loss Programs | 30.00% Coinsurance after deductible |
| Well Baby Visits and Care | No charge |
| X-rays and Diagnostic Imaging | $70.00 Copay after deductible |
Plan rules
Service area
This plan covers 12 geographic areas.
Open enrollment coming up?
Get notified when it opens — we'll remind you so you don't miss your window.