Wellpoint Essential Bronze POS 4500 ($0 Virtual PCP + $0 Select Drugs + Incentives)

WellPoint · 2026 plan year

Expanded BronzeHSA eligible
Ind. deductible
$4,500
Family deductible
$9,000
Ind. OOP max
$10,600
Family OOP max
$21,200

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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$50.00

Specialist

BenefitIn-network
Specialist Visit$100.00

Hospital

BenefitIn-network
Emergency Room Services$500.00 Copay after deductible + 50.00% Coinsurance after deductible
Inpatient Hospital Services (e.g., Hospital Stay)$500.00 Copay per Stay after deductible + 50.00% Coinsurance after deductible
Outpatient Surgery Physician/Surgical Services40.00% Coinsurance after deductible
Urgent Care Centers or Facilities$50.00

Pharmacy

BenefitIn-network
Generic Drugs$20.00
Non-Preferred Brand Drugs40.00% Coinsurance after deductible
Preferred Brand Drugs$75.00
Specialty Drugs50.00% Coinsurance after deductible

Mental Health

BenefitIn-network
Mental/Behavioral Health Inpatient Services$500.00 Copay per Stay after deductible + 50.00% Coinsurance after deductible
Mental/Behavioral Health Outpatient Services40.00% Coinsurance after deductible

Other

BenefitIn-network
Abortion for Which Public Funding is ProhibitedNot covered
Accidental Dental$100.00
AcupunctureNot covered
Allergy Testing40.00% Coinsurance after deductible
Bariatric SurgeryNot covered
Basic Dental Care - AdultNot covered
Basic Dental Care - ChildNot covered
Chemotherapy40.00% Coinsurance after deductible
Chiropractic Care40.00% Coinsurance after deductible
Cosmetic SurgeryNot covered
Delivery and All Inpatient Services for Maternity Care$500.00 Copay after deductible + 50.00% Coinsurance after deductible
Dental Check-Up for ChildrenNot covered
Diabetes Education$100.00
Dialysis40.00% Coinsurance after deductible
Durable Medical Equipment40.00% Coinsurance after deductible
Emergency Transportation/Ambulance40.00% Coinsurance after deductible
Eye Glasses for ChildrenNo charge
Habilitation Services40.00% Coinsurance after deductible
Hearing Aids40.00% Coinsurance after deductible
Home Health Care Services40.00% Coinsurance after deductible
Hospice Services40.00% Coinsurance after deductible
Imaging (CT/PET Scans, MRIs)40.00% Coinsurance after deductible
Infertility TreatmentNot covered
Infusion Therapy40.00% Coinsurance after deductible
Inpatient Physician and Surgical Services40.00% Coinsurance after deductible
Laboratory Outpatient and Professional Services40.00% Coinsurance after deductible
Long-Term/Custodial Nursing Home CareNot covered
Major Dental Care - AdultNot covered
Major Dental Care - ChildNot covered
Nutritional Counseling40.00% Coinsurance after deductible
Orthodontia - AdultNot covered
Orthodontia - ChildNot covered
Other Practitioner Office Visit (Nurse, Physician Assistant)$50.00
Outpatient Facility Fee (e.g., Ambulatory Surgery Center)40.00% Coinsurance after deductible
Outpatient Rehabilitation Services40.00% Coinsurance after deductible
Prenatal and Postnatal Care40.00% Coinsurance after deductible
Private-Duty NursingNot covered
Prosthetic Devices40.00% Coinsurance after deductible
Radiation40.00% Coinsurance after deductible
Reconstructive Surgery$500.00 Copay after deductible + 50.00% Coinsurance after deductible
Rehabilitative Occupational and Rehabilitative Physical Therapy40.00% Coinsurance after deductible
Rehabilitative Speech Therapy40.00% Coinsurance 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 Facility40.00% Coinsurance after deductible
Substance Abuse Disorder Inpatient Services$500.00 Copay per Stay after deductible + 50.00% Coinsurance after deductible
Substance Abuse Disorder Outpatient Services40.00% Coinsurance after deductible
Transplant$500.00 Copay after deductible + 50.00% Coinsurance after deductible
Treatment for Temporomandibular Joint Disorders40.00% Coinsurance after deductible
Weight Loss ProgramsNot covered
Well Baby Visits and CareNo charge
X-rays and Diagnostic Imaging40.00% Coinsurance after deductible

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