Gold Elite
45819IA0010036
Gold
EPO
Gold Elite is a Gold EPO plan by Oscar Insurance Company.
IMPORTANT: You are viewing the 2023 version of Gold Elite 45819IA0010036. You can enroll in this plan if you qualify for special enrollment until the end of 2023.
Locations
Gold Elite is offered in the following counties.
Plan Overview
This is a plan overview for 2023 version of Gold Elite 45819IA0010036.
| Insurer: | Oscar Insurance Company |
| Network Type: | EPO |
| Metal Type: | Gold |
| HSA Eligible?: | No |
| Plan ID: | 45819IA0010036 |
Cost-Sharing Overview
Gold Elite offers the following cost-sharing.
Cost-Sharing
Out-of-Network Cost-Sharing
Cost-Sharing Examples
Cost-Sharing
Cost-sharing for Gold Elite includes your out-of-pocket maximum, your annual deductible, and coinsurance under this plan.
| Cost Sharing Type | Individual | Family |
|---|---|---|
| Out-of-Pocket Maximum: | $5,500.00 | $5500 per person | $11000 per group |
| Deductible: | $500.00 | $500 per person | $1000 per group |
| Coinsurance: | 30.00% | |
Out-of-Network Cost-Sharing
Some plans have different cost-sharing out-of-network. The out-of-network cost-sharing for Gold Elite will be shown below if applicable.
| Cost Sharing Type | Individual | Family |
|---|---|---|
| Out-of-Network Maximum: | Not Applicable | per person not applicable | per group not applicable |
| Out-of-Network Deductible: | Not Applicable | per person not applicable | per group not applicable |
Cost-Sharing Examples
The cost-sharing for the sample Summary of Benefits & Coverage (SBC) scenarios of having a baby, having diabetes, and having a simple fracture.
| Deductible: | $500.00 |
| Copayment: | $200.00 |
| Coinsurance: | $2,800.00 |
| Limit: | $0.00 |
| Deductible: | $0.00 |
| Copayment: | $1,900.00 |
| Coinsurance: | $0.00 |
| Limit: | $0.00 |
| Deductible: | $500.00 |
| Copayment: | $400.00 |
| Coinsurance: | $500.00 |
| Limit: | $0.00 |
Notes:
- Some plans have separate cost-sharing for medical and drugs, while other plans offer combined cost-sharing. The cost-sharing amounts above are combined medical and drug costs unless otherwise noted.
- You are viewing the standard version of this plan. Your costs may be lower depending on your income. Use the “get a quote” button below to see your estimated premium and out-of-pocket costs after assistance.
Ready to sign up for Gold Elite?
Click or call to enroll online, get a quote, or find out if you qualify for assistance.
Get Help from a licensed agent. 1-877-668-0904
Plan Features
Gold Elite offers the following features and referral requirements.
| Wellness Program: | No |
| Disease Program: | Asthma, Heart Disease, Depression, Diabetes, High Blood Pressure & High Cholesterol, Low Back Pain, Pain Management, Pregnancy, Weight Loss Programs |
| Notice Pregnancy: | No |
| Referral Specialist: | No |
| Specialist Requiring Referral: | |
| Plan Exclusions: | |
| Child Only Option?: | Allows Adult and Child-Only |
Network Details
The following network details will help you understand what Gold Elite covers when you are out of the service area or out of the country.
| Out of Country Coverage: | Yes |
| Out of Country Coverage Description: | Emergency Services only. |
| Out of Service Area Coverage: | Yes |
| Out of Service Area Coverage Description: | Emergency and Urgent Services only. |
| National Network: | No |
Additional Benefits and Cost-Sharing
Gold Elite includes the following benefits at the cost sharing rates listed below.
| Service | In-Network Copay / Coinsurance | Out-of-Network Copay / Coinsurance | Limits and Explanation |
|---|---|---|---|
| Primary Care Visit to Treat an Injury or Illness Covered | $25.00 | 100.00% | Virtual visits with an Oscar Care urgent care provider are unlimited and always $0?even if you haven?t hit your deductible. Depending on your plan, many prescriptions and labs will also cost you $0, if they?re ordered by your Oscar Virtual Urgent Care team.* Please refer to your plan documents for more information. *For these savings to apply, they must be prescribed by your Oscar Virtual Urgent Care provider under a Silver, Gold, or Platinum plan. |
| Specialist Visit Covered | $50.00 | 100.00% | |
| Other Practitioner Office Visit (Nurse, Physician Assistant) Covered | $25.00 | 100.00% | |
| Outpatient Facility Fee (e.g., Ambulatory Surgery Center) Covered | 30.00% Coinsurance after deductible | 100.00% | |
| Outpatient Surgery Physician/Surgical Services Covered | 30.00% Coinsurance after deductible | 100.00% | |
| Hospice Services Covered | 30.00% Coinsurance after deductible | 100.00% | Care (generally in a home setting) for patients who are terminally ill and who have a life expectancy of six months or less. Hospice respite care has a quantity limit of 15 inpatient days and 15 outpatient days per lifetime. Hospice respite care must be used in increments of not more than five days at a time. |
| Routine Dental Services (Adult) | |||
| Infertility Treatment Covered | 30.00% Coinsurance after deductible | 100.00% | |
| Long-Term/Custodial Nursing Home Care | |||
| Private-Duty Nursing Covered | $50.00 | 100.00% | Plan refers to home skilled nursing as private duty nursing. Home skilled nursing is intended to provide a safe transition from other levels of care when medically necessary, to provide teaching to caregivers for ongoing care, or to provide short-term treatments that can be safely administered in the home setting. |
| Routine Eye Exam (Adult) | |||
| Urgent Care Centers or Facilities Covered | $50.00 | 100.00% | |
| Home Health Care Services Covered | $50.00 | 100.00% | |
| Emergency Room Services Covered | 30.00% Coinsurance after deductible | 30.00% Coinsurance after deductible | |
| Emergency Transportation/Ambulance Covered | 30.00% Coinsurance after deductible | 30.00% Coinsurance after deductible | |
| Inpatient Hospital Services (e.g., Hospital Stay) Covered | 30.00% Coinsurance after deductible | 100.00% | |
| Inpatient Physician and Surgical Services Covered | 30.00% Coinsurance after deductible | 100.00% | |
| Bariatric Surgery Covered | 30.00% Coinsurance after deductible | 100.00% | Surgery must be medically necessary. Not all procedures classified as weight reduction surgery are covered. Prior approval for weight reduction surgery is required. |
| Cosmetic Surgery | |||
| Skilled Nursing Facility Covered | 30.00% Coinsurance after deductible | 100.00% | |
| Prenatal and Postnatal Care Covered | $0.00 | 100.00% | |
| Delivery and All Inpatient Services for Maternity Care Covered | 30.00% Coinsurance after deductible | 100.00% | |
| Mental/Behavioral Health Outpatient Services Covered | $50.00 | 100.00% | |
| Mental/Behavioral Health Inpatient Services Covered | 30.00% Coinsurance after deductible | 100.00% | |
| Substance Abuse Disorder Outpatient Services Covered | $50.00 | 100.00% | |
| Substance Abuse Disorder Inpatient Services Covered | 30.00% Coinsurance after deductible | 100.00% | |
| Generic Drugs Covered | $3.00 | 100.00% | Oscar is on a mission to make your prescriptions more affordable. That?s why your savings start on day 1 of your new plan. All Oscar members have access to 24/7 virtual urgent care services. Depending on your plan, if your Oscar Virtual Urgent Care provider prescribes any prescriptions on the Generics: Tier 1a or Generics: Tier 1b list during your visit, those prescriptions will be free.* Generics: Tier 1a: Drugs on this list will never cost you more than $3, no matter who prescribes them. Check to see if your prescriptions are on the $3 Prescription List at https://www.hioscar.com/prescriptions/3-dollar-list Prescriptions included in Generics: Tier 1b will always cost you less than $30, no matter who prescribes them?even if you haven?t hit your deductible. Find out which Tiers the drugs you take are on at www.hioscar.com/search *For these savings to apply, they must be prescribed by your Oscar Virtual Urgent Care provider under a Silver, Gold, or Platinum plan. Virtual visits with other providers in Oscar?s network will not be free and the additional savings will not apply. |
| Preferred Brand Drugs Covered | $75.00 | 100.00% | |
| Non-Preferred Brand Drugs Covered | 30.00% Coinsurance after deductible | 100.00% | |
| Specialty Drugs Covered | 30.00% Coinsurance after deductible | 100.00% | |
| Outpatient Rehabilitation Services Covered | $50.00 Copay after deductible | 100.00% | |
| Habilitation Services Covered | $50.00 Copay after deductible | 100.00% | Treatment for Autism with speech therapy, occupational therapy, or physical therapy is covered. Use of Applied Behavior Analysis for the treatment of Autism is covered. |
| Chiropractic Care Covered | $50.00 | 100.00% | |
| Durable Medical Equipment Covered | 30.00% Coinsurance after deductible | 100.00% | |
| Hearing Aids | |||
| Imaging (CT/PET Scans, MRIs) Covered | 30.00% Coinsurance after deductible | 100.00% | |
| Preventive Care/Screening/Immunization Covered | $0.00 | 100.00% | |
| Routine Foot Care | |||
| Acupuncture | |||
| Weight Loss Programs | |||
| Routine Eye Exam for Children Covered | $0.00 | 100.00% | 1 Exam(s) per Benefit Period |
| Eye Glasses for Children Covered | 50.00% | 100.00% | 1 Item(s) per Benefit Period |
| Dental Check-Up for Children Not Covered | |||
| Rehabilitative Speech Therapy Covered | $50.00 Copay after deductible | 100.00% | |
| Rehabilitative Occupational and Rehabilitative Physical Therapy Covered | $50.00 Copay after deductible | 100.00% | |
| Well Baby Visits and Care Covered | $0.00 | 100.00% | Covered for child through age 7. |
| Laboratory Outpatient and Professional Services Covered | $10.00 | 100.00% | |
| X-rays and Diagnostic Imaging Covered | $75.00 | 100.00% | |
| Basic Dental Care – Child Not Covered | |||
| Orthodontia – Child Not Covered | |||
| Major Dental Care – Child Not Covered | |||
| Basic Dental Care – Adult | |||
| Orthodontia – Adult | |||
| Major Dental Care – Adult | |||
| Abortion for Which Public Funding is Prohibited | |||
| Transplant Covered | 30.00% Coinsurance after deductible | 100.00% | Transplants are subject to Case Management. |
| Accidental Dental Covered | 30.00% Coinsurance after deductible | 100.00% | |
| Dialysis Covered | 30.00% Coinsurance after deductible | 100.00% | |
| Allergy Testing Covered | $50.00 | 100.00% | |
| Chemotherapy Covered | 30.00% Coinsurance after deductible | 100.00% | |
| Radiation Covered | 30.00% Coinsurance after deductible | 100.00% | |
| Diabetes Education Covered | $0.00 | 100.00% | |
| Prosthetic Devices Covered | 30.00% Coinsurance after deductible | 100.00% | |
| Infusion Therapy Covered | 30.00% Coinsurance after deductible | 100.00% | Intravenous administration of nutrients, antibiotics, and other drugs and fluids when provided in the home (home infusion therapy). |
| Treatment for Temporomandibular Joint Disorders Covered | 30.00% Coinsurance after deductible | 100.00% | |
| Nutritional Counseling | |||
| Reconstructive Surgery Covered | 30.00% Coinsurance after deductible | 100.00% | |
| Gender Affirming Care Covered | 30.00% Coinsurance after deductible | 100.00% |
Free Preventive Services
There is no copayment or coinsurance for any of the following Gold Elite preventive services. This is true even if you haven’t met your yearly deductible.
Please note, these services are free only when delivered by a doctor or other provider in your plan’s network.
Preventive Care Benefits for All Adults
Preventive Care Benefits for Women
Preventive Care Benefits for Children
Preventive Care Benefits for All Adults
Preventive care benefits for adults
- Abdominal aortic aneurysm one-time screening for men of specified ages who have ever smoked
- Alcohol misuse screening and counseling
- Aspirin use to prevent cardiovascular disease and colorectal cancer for adults 50 to 59 years with a high cardiovascular risk
- Blood pressure screening
- Cholesterol screening for adults of certain ages or at higher risk
- Colorectal cancer screening for adults 45 to 75
- Depression screening
- Diabetes (Type 2) screening for adults 40 to 70 years who are overweight or obese
- Diet counseling for adults at higher risk for chronic disease
- Falls prevention (with exercise or physical therapy and vitamin D use) for adults 65 years and over, living in a community setting
- Hepatitis B screening for people at high risk, including people from countries with 2% or more Hepatitis B prevalence, and U.S.-born people not vaccinated as infants and with at least one parent born in a region with 8% or more Hepatitis B prevalence.
- Hepatitis C screening for adults age 18 to 79 years
- HIV screening for everyone age 15 to 65, and other ages at increased risk
- PrEP (pre-exposure prophylaxis) HIV prevention medication for HIV-negative adults at high risk for getting HIV through sex or injection drug use
- Immunizations for adults — doses, recommended ages, and recommended populations vary:
- Chickenpox (Varicella)
- Diphtheria
- Flu (influenza)
- Hepatitis A
- Hepatitis B
- Human Papillomavirus (HPV)
- Measles
- Meningococcal
- Mumps
- Whooping Cough (Pertussis)
- Pneumococcal
- Rubella
- Shingles
- Tetanus
- Lung cancer screening for adults 50 to 80 at high risk for lung cancer because they’re heavy smokers or have quit in the past 15 years
- Obesity screening and counseling
- Sexually transmitted infection (STI) prevention counseling for adults at higher risk
- Statin preventive medication for adults 40 to 75 at high risk
- Syphilis screening for adults at higher risk
- Tobacco use screening for all adults and cessation interventions for tobacco users
- Tuberculosis screening for certain adults without symptoms at high risk
Preventive Care Benefits for Women
Services for pregnant women or women who may become pregnant
- Breastfeeding support and counseling from trained providers, and access to breastfeeding supplies, for pregnant and nursing women
- Birth control: Food and Drug Administration-approved contraceptive methods, sterilization procedures, and patient education and counseling, as prescribed by a health care provider for women with reproductive capacity (not including abortifacient drugs). This does not apply to health plans sponsored by certain exempt “religious employers.”
- Folic acid supplements for women who may become pregnant
- Gestational diabetes screening for women 24 weeks pregnant (or later) and those at high risk of developing gestational diabetes
- Gonorrhea screening for all women at higher risk
- Hepatitis B screening for pregnant women at their first prenatal visit
- Maternal depression screening for mothers at well-baby visits
- Preeclampsia prevention and screening for pregnant women with high blood pressure
- Rh incompatibility screening for all pregnant women and follow-up testing for women at higher risk
- Syphilis screening
- Expanded tobacco intervention and counseling for pregnant tobacco users
- Urinary tract or other infection screening
Other covered preventive services for women
- Bone density screening for all women over age 65 or women age 64 and younger that have gone through menopause
- Breast cancer genetic test counseling (BRCA) for women at higher risk
- Breast cancer mammography screenings
- Every 2 years for women 50 and over
- As recommended by a provider for women 40 to 49 or women at higher risk for breast cancer
- Breast cancer chemoprevention counseling for women at higher risk
- Cervical cancer screening
- Pap test (also called a Pap smear) for women age 21 to 65
- Chlamydia infection screening for younger women and other women at higher risk
- Diabetes screening for women with a history of gestational diabetes who aren’t currently pregnant and who haven’t been diagnosed with type 2 diabetes before
- Domestic and interpersonal violence screening and counseling for all women
- Gonorrhea screening for all women at higher risk
- HIV screening and counseling for everyone age 15 to 65, and other ages at increased risk
- PrEP (pre-exposure prophylaxis) HIV prevention medication for HIV-negative women at high risk for getting HIV through sex or injection drug use
- Sexually transmitted infections counseling for sexually active women
- Tobacco use screening and interventions
- Urinary incontinence screening for women yearly
- Well-woman visits to get recommended services for all women
Preventive Care Benefits for Children
Coverage for children’s preventive health services
- Alcohol, tobacco, and drug use assessments for adolescents
- Autism screening for children at 18 and 24 months
- Behavioral assessments for children: Age 0 to 17 years
- Bilirubin concentration screening for newborns
- Blood pressure screening for children: Age 0 to 17
- Blood screening for newborns
- Depression screening for adolescents beginning routinely at age 12
- Developmental screening for children under age 3
- Dyslipidemia screening for all children once between 9 and 11 years and once between 17 and 21 years, and for children at higher risk of lipid disorders
- Fluoride supplements for children without fluoride in their water source
- Fluoride varnish for all infants and children as soon as teeth are present
- Gonorrhea preventive medication for the eyes of all newborns
- Hearing screening for all newborns; and regular screenings for children and adolescents as recommended by their provider
- Height, weight and body mass index (BMI) measurements taken regularly for all children
- Hematocrit or hemoglobin screening for all children
- Hemoglobinopathies or sickle cell screening for newborns
- Hepatitis B screening for adolescents at higher risk
- HIV screening for adolescents at higher risk
- Hypothyroidism screening for newborns
- PrEP (pre-exposure prophylaxis) HIV prevention medication for HIV-negative adolescents at high risk for getting HIV through sex or injection drug use
Immunizations for children from birth to age 18 — doses, recommended ages, and recommended populations vary:
- Chickenpox (Varicella)
- Diphtheria, tetanus, and pertussis (DTaP)
- Haemophilus influenza type b
- Hepatitis A
- Hepatitis B
- Human Papillomavirus (HPV)
- Inactivated Poliovirus
- Influenza (flu shot)
- Measles
- Meningococcal
- Mumps
- Pneumococcal
- Rubella
- Rotavirus
Lead screening for children at risk of exposure
Obesity screening and counseling
- Oral health risk assessment for young children from 6 months to 6 years
- Phenylketonuria (PKU) screening for newborns
- Sexually transmitted infection (STI) prevention counseling and screening for adolescents at higher risk
- Tuberculin testing for children at higher risk of tuberculosis: Age 0 -17
- Vision screening for all children
- Well-baby and well-child visits
Additional Resources
Below are additional resources for Gold Elite including the Summary of Benefits & Coverage (SBC), plan brochure, formulary link, and a link to the website to pay your monthly premium after you enroll.
| Summary of Benefits: | Summary of Benefits Link |
| Plan Brochure: | Plan Brochure Link |
| Formulary: | Formulary Link |
| Premium Payment Website: | Premium Payment Link |
Ready to sign up for Gold Elite?
Click or call to enroll online, get a quote, or find out if you qualify for assistance.
Get Help from a licensed agent. 1-877-668-0904