UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals)
UnitedHealthcare · Mississippi Marketplace plan for 2026
What you pay before the plan starts sharing costs
Deductible (individual)
$0
$0 for a family
Out-of-pocket maximum (individual)
$9,300
$18,600 for a family
The out-of-pocket maximum is the most you can pay in a year for covered in-network care. After you reach it, the plan pays everything else.
What you pay for common care
| Service | You pay (in-network) |
|---|---|
| Primary Care Visit to Treat an Injury or Illness | $5 |
| Specialist Visit | $60 |
| Emergency Room Services | $750 |
| Generic Drugs | $5 |
| Preferred Brand Drugs | $50 |
| Inpatient Hospital Services (e.g., Hospital Stay) | $2000 Copay per Day |
| Laboratory Outpatient and Professional Services | $10 |
| X-rays and Diagnostic Imaging | $60 |
| Mental/Behavioral Health Outpatient Services | $40 |
Where this plan is sold in Mississippi
Available in 10 of the rating areas we cover. Premiums differ by area, so check the one you live in.
Everything UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) covers
| Benefit | You pay (in-network) |
|---|---|
| Primary Care Visit to Treat an Injury or Illness | $5 |
| Specialist Visit | $60 |
| Other Practitioner Office Visit Nurse Physician Assistant | 45% |
| Outpatient Facility Fee (e.g., Ambulatory Surgery Center) | $450 |
| Outpatient Surgery Physician/Surgical Services | $300 |
| Hospice Services | 45% |
| Urgent Care Centers Or Facilities | $50 |
| Home Health Care Services | 45% |
| Emergency Room Services | $750 |
| Emergency Transportation/Ambulance | $750 |
| Inpatient Hospital Services (e.g., Hospital Stay) | $2000 Copay per Day |
| Inpatient Physician and Surgical Services | No Charge |
| Skilled Nursing FacilityLimit: 60 days per year | $2000 Copay per Day |
| Prenatal And Postnatal Care | No Charge |
| Delivery And All Inpatient Services For Maternity Care | $2000 |
| Mental/Behavioral Health Outpatient Services | $40 |
| Mental/Behavioral Health Inpatient Services | $2000 Copay per Day |
| Substance Abuse Disorder Outpatient Services | $40 |
| Substance Abuse Disorder Inpatient Services | $2000 Copay per Day |
| Generic DrugsLimit: 30 days per month | $5 |
| Preferred Brand DrugsLimit: 30 days per month | $50 |
| Non-Preferred Brand DrugsLimit: 30 days per month | 45% Coinsurance after deductible |
| Specialty DrugsLimit: 30 days per month | 50% Coinsurance after deductible |
| Outpatient Rehabilitation ServicesLimit: 40 visits per year | $60 |
| Habilitation Services | $60 |
| Chiropractic CareLimit: 20 visits per year | 45% |
| Durable Medical Equipment | 45% |
| Imaging (CT/PET Scans, MRIs) | $300 |
| Preventive Care/Screening/Immunization | No Charge |
| Routine Foot Care | $60 |
| Routine Eye Exam for ChildrenLimit: 1 visits per year | No Charge |
| Eye Glasses for ChildrenLimit: 1 items per year | 45% |
| Dental Check-Up for ChildrenLimit: 2 exams per year | No Charge |
| Rehabilitative Speech TherapyLimit: 20 visits per year | $60 |
| Rehabilitative Occupational And Rehabilitative Physical TherapyLimit: 20 visits per year | $60 |
| Well Baby Visits And Care | No Charge |
| Laboratory Outpatient and Professional Services | $10 |
| X-rays and Diagnostic Imaging | $60 |
| Basic Dental Care - Child | 45% |
| Major Dental Care - Child | 45% |
| Transplant | $2000 |
| Accidental Dental | 45% |
| Dialysis | $300 |
| Allergy Testing | 45% |
| Chemotherapy | $500 |
| Radiation | $75 |
| Diabetes Education | 45% |
| Prosthetic Devices | 45% |
| Infusion Therapy | $75 |
| Treatment For Temporomandibular Joint Disorders | 45% |
| Reconstructive Surgery | $450 |
Not covered by this plan
- Routine Dental Services (Adult)
- Infertility Treatment
- Long Term Custodial Nursing Home Care
- Private-Duty Nursing
- Routine Eye Exam (Adult)
- Bariatric Surgery
- Cosmetic Surgery
- Hearing Aids
- Acupuncture
- Weight Loss Programs
- Orthodontia - Child
- Basic Dental Care - Adult
- Orthodontia - Adult
- Major Dental Care - Adult
- Abortion Services
- Nutritional Counseling
Official plan documents
What this page does not show
No premium and no subsidy estimate. Both depend on your age, household size, income and county, not on the plan, so any figure here would be wrong for almost everyone. Check what you would actually pay for UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) in your area:
Coverage and cost sharing come from the official Marketplace record for plan 97560MS0030032, 2026 plan year. Always confirm against the Summary of Benefits before enrolling.
Plans shown based on input. Not insurance advice. Policymage is not a licensed broker or agent.