UHC Gold Advantage+ ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision, No Referrals)
95426MO0420001
Gold
EPO
UHC Gold Advantage+ ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision, No Referrals) is a Gold EPO plan by UnitedHealthcare.
Locations
UHC Gold Advantage+ ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision, No Referrals) is offered in the following counties.
Plan Overview
This is a plan overview for 2025 version of UHC Gold Advantage+ ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision, No Referrals) 95426MO0420001.
| Insurer: | UnitedHealthcare |
| Network Type: | EPO |
| Metal Type: | Gold |
| HSA Eligible?: | No |
| Plan ID: | 95426MO0420001 |
Cost-Sharing Overview
UHC Gold Advantage+ ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision, No Referrals) offers the following cost-sharing.
Cost-Sharing
Out-of-Network Cost-Sharing
Cost-Sharing Examples
Cost-Sharing
Cost-sharing for UHC Gold Advantage+ ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision, No Referrals) includes your out-of-pocket maximum, your annual deductible, and coinsurance under this plan.
| Cost Sharing Type | Individual | Family |
|---|---|---|
| Out-of-Pocket Maximum: | $7000 per person | $14000 per group |
| Deductible: | $500 per person | $1000 per group |
| Coinsurance: | 35.00% | |
Out-of-Network Cost-Sharing
Some plans have different cost-sharing out-of-network. The out-of-network cost-sharing for UHC Gold Advantage+ ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision, No Referrals) will be shown below if applicable.
| Cost Sharing Type | Individual | Family |
|---|---|---|
| Out-of-Network Maximum: | per person not applicable | per group not applicable |
| Out-of-Network Deductible: | 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 |
| Copayment: | $400 |
| Coinsurance: | $3,000 |
| Limit: | $60 |
| Deductible: | $200 |
| Copayment: | $200 |
| Coinsurance: | $0 |
| Limit: | $0 |
| Deductible: | $500 |
| Copayment: | $1,200 |
| Coinsurance: | $10 |
| Limit: | $0 |
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 UHC Gold Advantage+ ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision, No Referrals)?
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
UHC Gold Advantage+ ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision, No Referrals) offers the following features and referral requirements.
| Wellness Program: | No |
| Disease Program: | |
| Notice Pregnancy: | No |
| Referral Specialist: | No |
| Specialist Requiring Referral: | |
| Plan Exclusions: | Some exclusions may apply. See the applicable Certificate of Coverage for details. |
| Child Only Option?: | Allows Adult and Child-Only |
Network Details
The following network details will help you understand what UHC Gold Advantage+ ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision, No Referrals) covers when you are out of the service area or out of the country.
| Out of Country Coverage: | No |
| Out of Country Coverage Description: | |
| Out of Service Area Coverage: | Yes |
| Out of Service Area Coverage Description: | Plan covers eligible expenses provided by a Network Physician or other provider or facility within the Network Area. The Network Area may include select Network providers located in a neighboring state. The plan also covers emergency health care services received outside the service area. |
| National Network: | No |
Additional Benefits and Cost-Sharing
UHC Gold Advantage+ ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision, No Referrals) 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 | $5.00 Not Applicable | Not Applicable 100.00% | Cost sharing for Virtual Primary Care matches in-person office visit. |
| Specialist Visit Covered | $75.00 Not Applicable | Not Applicable 100.00% | |
| Other Practitioner Office Visit (Nurse, Physician Assistant) Covered | Not Applicable 35.00% Coinsurance after deductible | Not Applicable 100.00% | |
| Outpatient Facility Fee (e.g., Ambulatory Surgery Center) Covered | $300.00 Copay after deductible Not Applicable | Not Applicable 100.00% | |
| Outpatient Surgery Physician/Surgical Services Covered | $300.00 Copay after deductible Not Applicable | Not Applicable 100.00% | |
| Hospice Services Covered | Not Applicable 35.00% Coinsurance after deductible | Not Applicable 100.00% | |
| Routine Dental Services (Adult) Covered | Not Applicable No Charge | Not Applicable 100.00% | 2.0 Visit(s) per Year 1,000 annual benefit maximum includes all Dental Services (Routine, Basic and Major) for Adults; Excluded from In-Network Deductible and Out-of-Pocket Limit |
| Infertility Treatment Not Covered | |||
| Long-Term/Custodial Nursing Home Care Not Covered | |||
| Private-Duty Nursing Covered | Not Applicable 35.00% Coinsurance after deductible | Not Applicable 100.00% | 82.0 Visit(s) per Year |
| Routine Eye Exam (Adult) Covered | Not Applicable No Charge | Not Applicable 100.00% | 1.0 Visit(s) per Year Benefit also includes 1 pair of eyeglasses or contact lenses every 12 months. Eyeglass lenses have a $25 copay and frames are covered up to $150. Formulary contact lenses are covered in lieu of glasses with a $25 copay. |
| Urgent Care Centers or Facilities Covered | $50.00 Not Applicable | Not Applicable 100.00% | $0 Virtual Urgent Care visits are available through vendor. See SBC for additional cost share details for in-person urgent care visits. |
| Home Health Care Services Covered | Not Applicable 35.00% Coinsurance after deductible | Not Applicable 100.00% | 100.0 Visit(s) per Year |
| Emergency Room Services Covered | $500.00 Copay after deductible Not Applicable | $500.00 Copay after deductible Not Applicable | |
| Emergency Transportation/Ambulance Covered | $500.00 Copay after deductible Not Applicable | $500.00 Copay after deductible Not Applicable | |
| Inpatient Hospital Services (e.g., Hospital Stay) Covered | Not Applicable 35.00% Coinsurance after deductible | Not Applicable 100.00% | |
| Inpatient Physician and Surgical Services Covered | Not Applicable 35.00% Coinsurance after deductible | Not Applicable 100.00% | |
| Bariatric Surgery Not Covered | |||
| Cosmetic Surgery Not Covered | |||
| Skilled Nursing Facility Covered | Not Applicable 35.00% Coinsurance after deductible | Not Applicable 100.00% | 150.0 Days per Year Limit of 150 days will be any combination of Skilled Nursing Facility or Inpatient Rehabilitation Facility Services. |
| Prenatal and Postnatal Care Covered | Not Applicable No Charge | Not Applicable 100.00% | |
| Delivery and All Inpatient Services for Maternity Care Covered | Not Applicable 35.00% Coinsurance after deductible | Not Applicable 100.00% | Childbirth/delivery professional services follow inpatient physician/surgeon fees. |
| Mental/Behavioral Health Outpatient Services Covered | $5.00 Not Applicable | Not Applicable 100.00% | Cost share applies to office visits, please see SBC for Mental Health Outpatient Services. |
| Mental/Behavioral Health Inpatient Services Covered | Not Applicable 35.00% Coinsurance after deductible | Not Applicable 100.00% | |
| Substance Abuse Disorder Outpatient Services Covered | $5.00 Not Applicable | Not Applicable 100.00% | |
| Substance Abuse Disorder Inpatient Services Covered | Not Applicable 35.00% Coinsurance after deductible | Not Applicable 100.00% | |
| Generic Drugs Covered | $3.00 Not Applicable | Not Applicable 100.00% | 30.0 Days per Month Members can obtain a 1 month supply through network pharmacies or home delivery. Members also have the option to receive a 3 month supply through network pharmacy or home delivery. Other quantity limits may apply. Check the plan’s Summary of Benefits or Prescription Drug List for more information. |
| Preferred Brand Drugs Covered | $50.00 Not Applicable | Not Applicable 100.00% | 30.0 Days per Month Members can obtain a 1 month supply through network pharmacies or home delivery. Members also have the option to receive a 3 month supply through network pharmacy or home delivery. Other quantity limits may apply. Check the plan’s Summary of Benefits or Prescription Drug List for more information. |
| Non-Preferred Brand Drugs Covered | Not Applicable 30.00% Coinsurance after deductible | Not Applicable 100.00% | 30.0 Days per Month Members can obtain a 1 month supply through network pharmacies or home delivery. Members also have the option to receive a 3 month supply through network pharmacy or home delivery. Other quantity limits may apply. Check the plan’s Summary of Benefits or Prescription Drug List for more information. |
| Specialty Drugs Covered | Not Applicable 40.00% Coinsurance after deductible | Not Applicable 100.00% | 30.0 Days per Month Specialty medications are limited to a 1-month supply. Other quantity limits may apply. Check the plan’s Summary of Benefits or Prescription Drug List for more information. |
| Outpatient Rehabilitation Services Covered | $5.00 Not Applicable | Not Applicable 100.00% | 76.0 Visit(s) per Year Limited to 20 visits per year for Physical Therapy, 20 visits per year for Occupational Therapy, and 36 visits per year for Cardiac Rehabilitation Therapy. Visit limits do not apply to Speech Therapy. |
| Habilitation Services Covered | $5.00 Not Applicable | Not Applicable 100.00% | 40.0 Visit(s) per Year Limited to 20 visits per year for Physical Therapy, and 20 visits per year for Occupational Therapy. Visit limits do not apply to Speech Therapy. Visit limits do not apply for therapies for covered persons with a primary diagnoses of Autism Spectrum Disorder. Visit limits do not apply if the primary diagnosis code for the outpatient Habilitative Services being provided is one for a covered mental disorder or for treatment of substance-related and addictive disorders. |
| Chiropractic Care Covered | Not Applicable 35.00% Coinsurance after deductible | Not Applicable 100.00% | |
| Durable Medical Equipment Covered | Not Applicable 35.00% Coinsurance after deductible | Not Applicable 100.00% | |
| Hearing Aids Covered | Not Applicable 35.00% Coinsurance after deductible | Not Applicable 100.00% | Limited to a single purchase per hearing impaired ear every 48 months. Repair and/or replacement of a hearing aid would apply to this limit in the same manner as a purchase. |
| Imaging (CT/PET Scans, MRIs) Covered | $250.00 Copay after deductible Not Applicable | Not Applicable 100.00% | |
| Preventive Care/Screening/Immunization Covered | Not Applicable No Charge | Not Applicable 100.00% | |
| Routine Foot Care Covered | $75.00 Not Applicable | Not Applicable 100.00% | Covered as medically necessary for the prevention of complications associated with metabolic, neurologic, or peripheral vascular disease |
| Acupuncture Not Covered | |||
| Weight Loss Programs Not Covered | |||
| Routine Eye Exam for Children Covered | Not Applicable No Charge | Not Applicable 100.00% | 1.0 Visit(s) per Year |
| Eye Glasses for Children Covered | Not Applicable 35.00% Coinsurance after deductible | Not Applicable 100.00% | 1.0 Item(s) per Year |
| Dental Check-Up for Children Covered | Not Applicable No Charge | Not Applicable 100.00% | 1.0 Visit(s) per 6 Months |
| Rehabilitative Speech Therapy Covered | $5.00 Not Applicable | Not Applicable 100.00% | |
| Rehabilitative Occupational and Rehabilitative Physical Therapy Covered | $5.00 Not Applicable | Not Applicable 100.00% | 40.0 Visit(s) per Year 20 visits per year for Occupational Therapy and 20 visits per year for Physical Therapy. |
| Well Baby Visits and Care Covered | Not Applicable No Charge | Not Applicable 100.00% | |
| Laboratory Outpatient and Professional Services Covered | $10.00 Not Applicable | Not Applicable 100.00% | |
| X-rays and Diagnostic Imaging Covered | $65.00 Copay after deductible Not Applicable | Not Applicable 100.00% | |
| Basic Dental Care – Child Covered | Not Applicable 35.00% Coinsurance after deductible | Not Applicable 100.00% | Benefit limitations may apply to individual services. |
| Orthodontia – Child Covered | Not Applicable 50.00% Coinsurance after deductible | Not Applicable 100.00% | Coverage is for medically necessary orthodontia only. |
| Major Dental Care – Child Covered | Not Applicable 35.00% Coinsurance after deductible | Not Applicable 100.00% | Benefit limitations may apply to individual services. |
| Basic Dental Care – Adult Covered | Not Applicable 50.00% | Not Applicable 100.00% | 1000.0 Dollars per Year 1,000 annual benefit maximum includes all Dental Services (Routine, Basic and Major) for Adults; Excluded from In-Network Deductible and Out-of-Pocket Limit |
| Orthodontia – Adult Not Covered | |||
| Major Dental Care – Adult Covered | Not Applicable 50.00% | Not Applicable 100.00% | 1000.0 Dollars per Year 1,000 annual benefit maximum includes all Dental Services (Routine, Basic and Major) for Adults; Excluded from In-Network Deductible and Out-of-Pocket Limit |
| Abortion for Which Public Funding is Prohibited Not Covered | |||
| Transplant Covered | Not Applicable 35.00% Coinsurance after deductible | Not Applicable 100.00% | Covered expenses for lodging and ground transportation will be limited to $10,000?per year. |
| Accidental Dental Covered | Not Applicable 35.00% Coinsurance after deductible | Not Applicable 100.00% | |
| Dialysis Covered | $500.00 Copay after deductible Not Applicable | Not Applicable 100.00% | |
| Allergy Testing Covered | $75.00 Not Applicable | Not Applicable 100.00% | |
| Chemotherapy Covered | $500.00 Copay after deductible Not Applicable | Not Applicable 100.00% | |
| Radiation Covered | $75.00 Copay after deductible Not Applicable | Not Applicable 100.00% | |
| Diabetes Education Covered | Not Applicable 35.00% Coinsurance after deductible | Not Applicable 100.00% | |
| Prosthetic Devices Covered | Not Applicable 35.00% Coinsurance after deductible | Not Applicable 100.00% | |
| Infusion Therapy Covered | $75.00 Copay after deductible Not Applicable | Not Applicable 100.00% | |
| Treatment for Temporomandibular Joint Disorders Covered | Not Applicable 35.00% Coinsurance after deductible | Not Applicable 100.00% | |
| Nutritional Counseling Covered | Not Applicable 35.00% Coinsurance after deductible | Not Applicable 100.00% | Medical or behavioral/mental health related nutritional education services that are provided as part of treatment for a disease are covered |
| Reconstructive Surgery Covered | $300.00 Copay after deductible Not Applicable | Not Applicable 100.00% | Reconstructive procedures are covered when the primary purpose of the procedure is either treatment of a medical condition or required to improve or restore physiologic function. |
| Gender Affirming Care Covered | $300.00 Copay after deductible Not Applicable | Not Applicable 100.00% | Covered when medically necessary. |
| Eye Glasses – Adult Covered | $25.00 Not Applicable | Not Applicable 100.00% | Excluded from In-Network Out-of-Pocket Limit |
Free Preventive Services
There is no copayment or coinsurance for any of the following UHC Gold Advantage+ ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision, No Referrals) 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 UHC Gold Advantage+ ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision, No Referrals) 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 UHC Gold Advantage+ ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision, No Referrals)?
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