First Choice Next Silver Essential

First Choice Next · 2026 plan year

Silver
Ind. deductible
$1,000
Family deductible
$2,000
Ind. OOP max
$2,750
Family OOP max
$5,500

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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$20.00

Specialist

BenefitIn-network
Specialist Visit$40.00

Hospital

BenefitIn-network
Emergency Room Services15.00% Coinsurance after deductible
Inpatient Hospital Services (e.g., Hospital Stay)15.00% Coinsurance after deductible
Outpatient Surgery Physician/Surgical Services15.00% Coinsurance after deductible
Urgent Care Centers or Facilities$40.00

Pharmacy

BenefitIn-network
Generic Drugs$15.00
Non-Preferred Brand Drugs45.00% Coinsurance after deductible
Preferred Brand Drugs$60.00
Specialty Drugs50.00% Coinsurance after deductible

Mental Health

BenefitIn-network
Mental/Behavioral Health Inpatient Services15.00% Coinsurance after deductible
Mental/Behavioral Health Outpatient Services$20.00

Other

BenefitIn-network
Abortion for Which Public Funding is ProhibitedNot covered
Accidental Dental15.00% Coinsurance after deductible
AcupunctureNot covered
Allergy Testing$40.00
Bariatric SurgeryNot covered
Basic Dental Care - AdultNot covered
Basic Dental Care - ChildNot covered
Cardiac Rehabilitation15.00% Coinsurance after deductible
Chemotherapy15.00% Coinsurance after deductible
Chiropractic Care$40.00
Congenital Anomaly, including Cleft Lip/Palate15.00% Coinsurance after deductible
Cosmetic SurgeryNot covered
Delivery and All Inpatient Services for Maternity Care15.00% Coinsurance after deductible
Dental Check-Up for ChildrenNot covered
Diabetes EducationNo charge
Diabetic Supplies15.00% Coinsurance after deductible
Dialysis15.00% Coinsurance after deductible
Durable Medical Equipment50.00% Coinsurance after deductible
Emergency Transportation/Ambulance15.00% Coinsurance after deductible
Eye Glasses for ChildrenNo charge
Habilitation Services15.00% Coinsurance after deductible
Hearing AidsNot covered
Home Health Care Services15.00% Coinsurance after deductible
Hospice ServicesNo Charge after deductible
Imaging (CT/PET Scans, MRIs)15.00% Coinsurance after deductible
Infertility TreatmentNot covered
Infusion Therapy15.00% Coinsurance after deductible
Inpatient Physician and Surgical Services15.00% Coinsurance after deductible
Laboratory Outpatient and Professional Services15.00% Coinsurance after deductible
Long-Term/Custodial Nursing Home CareNot covered
Major Dental Care - AdultNot covered
Major Dental Care - ChildNot covered
Mastectomy15.00% Coinsurance after deductible
Nutritional CounselingNo charge
Orthodontia - AdultNot covered
Orthodontia - ChildNot covered
Other Practitioner Office Visit (Nurse, Physician Assistant)$20.00
Outpatient Facility Fee (e.g., Ambulatory Surgery Center)15.00% Coinsurance after deductible
Outpatient Rehabilitation Services15.00% Coinsurance after deductible
Prenatal and Postnatal CareNo charge
Private-Duty NursingNot covered
Prosthetic Devices50.00% Coinsurance after deductible
Pulmonary Rehabilitation15.00% Coinsurance after deductible
Radiation15.00% Coinsurance after deductible
Reconstructive Surgery15.00% Coinsurance after deductible
Rehabilitative Occupational and Rehabilitative Physical Therapy15.00% Coinsurance after deductible
Rehabilitative Speech Therapy15.00% Coinsurance after deductible
Routine Dental Services (Adult)Not covered
Routine Eye Exam (Adult)Not covered
Routine Eye Exam for ChildrenNo charge
Routine Foot Care$40.00
Skilled Nursing Facility15.00% Coinsurance after deductible
Substance Abuse Disorder Inpatient Services15.00% Coinsurance after deductible
Substance Abuse Disorder Outpatient Services$20.00
Transplant15.00% Coinsurance after deductible
Treatment for Temporomandibular Joint DisordersNot covered
Weight Loss ProgramsNot covered
Well Baby Visits and CareNo charge
X-rays and Diagnostic Imaging15.00% Coinsurance after deductible

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