Imperial Preferred Silver

Imperial Insurance Companies, Inc. · 2026 plan year

Silver
Ind. deductible
$250
Family deductible
$500
Ind. OOP max
$1,500
Family OOP max
$3,000

More Imperial Insurance Companies, Inc. plans in TX

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 IllnessNo charge

Specialist

BenefitIn-network
Specialist Visit$5.00

Hospital

BenefitIn-network
Emergency Room Services10.00% Coinsurance after deductible
Inpatient Hospital Services (e.g., Hospital Stay)10.00% Coinsurance after deductible
Outpatient Surgery Physician/Surgical Services10.00% Coinsurance after deductible
Urgent Care Centers or Facilities$10.00

Pharmacy

BenefitIn-network
Generic DrugsNo charge
Non-Preferred Brand Drugs10.00% Coinsurance after deductible
Preferred Brand Drugs10.00% Coinsurance after deductible
Specialty Drugs10.00% Coinsurance after deductible

Mental Health

BenefitIn-network
Mental/Behavioral Health Inpatient Services10.00% Coinsurance after deductible
Mental/Behavioral Health Outpatient ServicesNo charge

Other

BenefitIn-network
Abortion for Which Public Funding is ProhibitedNot covered
Accidental Dental10.00% Coinsurance after deductible
AcupunctureNot covered
Allergy Testing10.00% Coinsurance after deductible
Bariatric SurgeryNot covered
Basic Dental Care - AdultNot covered
Basic Dental Care - Child10.00%
Biomarker Testing10.00% Coinsurance after deductible
Chemotherapy10.00% Coinsurance after deductible
Chiropractic Care10.00% Coinsurance after deductible
Cosmetic SurgeryNot covered
Delivery and All Inpatient Services for Maternity Care10.00% Coinsurance after deductible
Dental Check-Up for ChildrenNo charge
Diabetes Education10.00% Coinsurance after deductible
Dialysis10.00% Coinsurance after deductible
Durable Medical Equipment10.00% Coinsurance after deductible
Emergency Transportation/Ambulance10.00% Coinsurance after deductible
Eye Glasses for ChildrenNo charge
Gender Affirming CareNot covered
Habilitation Services10.00% Coinsurance after deductible
Hearing Aids10.00% Coinsurance after deductible
Home Health Care Services10.00% Coinsurance after deductible
Hospice Services10.00% Coinsurance after deductible
Imaging (CT/PET Scans, MRIs)10.00% Coinsurance after deductible
Infertility TreatmentNot covered
Infusion Therapy10.00% Coinsurance after deductible
Inpatient Physician and Surgical Services10.00% Coinsurance after deductible
Laboratory Outpatient and Professional Services$20.00
Long-Term/Custodial Nursing Home CareNot covered
Major Dental Care - AdultNot covered
Major Dental Care - Child10.00% Coinsurance after deductible
Nutritional CounselingNot covered
Orthodontia - AdultNot covered
Orthodontia - Child10.00% Coinsurance after deductible
Other Practitioner Office Visit (Nurse, Physician Assistant)10.00% Coinsurance after deductible
Outpatient Facility Fee (e.g., Ambulatory Surgery Center)10.00% Coinsurance after deductible
Outpatient Rehabilitation Services10.00% Coinsurance after deductible
Prenatal and Postnatal CareNo charge
Private-Duty NursingNot covered
Prosthetic Devices10.00% Coinsurance after deductible
Radiation10.00% Coinsurance after deductible
Reconstructive Surgery10.00% Coinsurance after deductible
Rehabilitative Occupational and Rehabilitative Physical Therapy$10.00
Rehabilitative Speech Therapy$10.00
Routine Dental Services (Adult)Not covered
Routine Eye Exam (Adult)Not covered
Routine Eye Exam for ChildrenNo charge
Routine Foot CareNot covered
Skilled Nursing Facility10.00% Coinsurance after deductible
Substance Abuse Disorder Inpatient Services10.00% Coinsurance after deductible
Substance Abuse Disorder Outpatient ServicesNo charge
Transplant10.00% Coinsurance after deductible
Treatment for Temporomandibular Joint Disorders10.00% Coinsurance after deductible
Weight Loss ProgramsNot covered
Well Baby Visits and CareNo charge
X-rays and Diagnostic Imaging$40.00

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