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Gold
HMO

UHC Gold Value + ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals)

UnitedHealthcare · Mississippi Marketplace plan for 2026

What you pay before the plan starts sharing costs

Deductible (individual)

$2,000

$4,000 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

In-network cost sharing for common services on UHC Gold Value + ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals), 2026
ServiceYou pay (in-network)
Primary Care Visit to Treat an Injury or Illness$10
Specialist Visit20% Coinsurance after deductible
Emergency Room Services20% Coinsurance after deductible
Generic Drugs$3
Preferred Brand Drugs$50 Copay after deductible
Inpatient Hospital Services (e.g., Hospital Stay)20% Coinsurance after deductible
Laboratory Outpatient and Professional Services$10
X-rays and Diagnostic Imaging20% Coinsurance after deductible
Mental/Behavioral Health Outpatient Services20% Coinsurance after deductible

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.

Benton CountyHattiesburg Area (South Mississippi)Jackson Metro Area (Mississippi)Memphis Metro Area (Mississippi Side)Mississippi (Northeast & Southern Rural Counties)Mississippi Delta & Central CountiesMississippi Gulf Coast (Biloxi & Gulfport)Panola CountySouth Central Mississippi (Copiah & Simpson Counties)Tupelo Area (Northeast Mississippi)

Everything UHC Gold Value + ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) covers

Covered benefits and in-network cost sharing for UHC Gold Value + ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals)
BenefitYou pay (in-network)
Primary Care Visit to Treat an Injury or Illness$10
Specialist Visit20% Coinsurance after deductible
Other Practitioner Office Visit Nurse Physician Assistant20% Coinsurance after deductible
Outpatient Facility Fee (e.g., Ambulatory Surgery Center)20% Coinsurance after deductible
Outpatient Surgery Physician/Surgical Services20% Coinsurance after deductible
Hospice Services20% Coinsurance after deductible
Routine Dental Services (Adult)Limit: 2 exams per yearNo Charge
Routine Eye Exam (Adult)Limit: 1 exams per yearNo Charge
Urgent Care Centers Or Facilities$50
Home Health Care Services20% Coinsurance after deductible
Emergency Room Services20% Coinsurance after deductible
Emergency Transportation/Ambulance20% Coinsurance after deductible
Inpatient Hospital Services (e.g., Hospital Stay)20% Coinsurance after deductible
Inpatient Physician and Surgical Services20% Coinsurance after deductible
Skilled Nursing FacilityLimit: 60 days per year20% Coinsurance after deductible
Prenatal And Postnatal CareNo Charge
Delivery And All Inpatient Services For Maternity Care20% Coinsurance after deductible
Mental/Behavioral Health Outpatient Services20% Coinsurance after deductible
Mental/Behavioral Health Inpatient Services20% Coinsurance after deductible
Substance Abuse Disorder Outpatient Services20% Coinsurance after deductible
Substance Abuse Disorder Inpatient Services20% Coinsurance after deductible
Generic DrugsLimit: 30 days per month$3
Preferred Brand DrugsLimit: 30 days per month$50 Copay after deductible
Non-Preferred Brand DrugsLimit: 30 days per month40% Coinsurance after deductible
Specialty DrugsLimit: 30 days per month50% Coinsurance after deductible
Outpatient Rehabilitation ServicesLimit: 40 visits per year20% Coinsurance after deductible
Habilitation Services20% Coinsurance after deductible
Chiropractic CareLimit: 20 visits per year20% Coinsurance after deductible
Durable Medical Equipment20% Coinsurance after deductible
Imaging (CT/PET Scans, MRIs)20% Coinsurance after deductible
Preventive Care/Screening/ImmunizationNo Charge
Routine Foot Care20% Coinsurance after deductible
Routine Eye Exam for ChildrenLimit: 1 visits per yearNo Charge
Eye Glasses for ChildrenLimit: 1 items per year20% Coinsurance after deductible
Dental Check-Up for ChildrenLimit: 2 exams per yearNo Charge
Rehabilitative Speech TherapyLimit: 20 visits per year20% Coinsurance after deductible
Rehabilitative Occupational And Rehabilitative Physical TherapyLimit: 20 visits per year20% Coinsurance after deductible
Well Baby Visits And CareNo Charge
Laboratory Outpatient and Professional Services$10
X-rays and Diagnostic Imaging20% Coinsurance after deductible
Basic Dental Care - Child20% Coinsurance after deductible
Major Dental Care - Child20% Coinsurance after deductible
Basic Dental Care - AdultLimit: 1000 dollars per year50%
Major Dental Care - AdultLimit: 1000 dollars per year50%
Transplant20% Coinsurance after deductible
Accidental Dental20% Coinsurance after deductible
Dialysis20% Coinsurance after deductible
Allergy Testing20% Coinsurance after deductible
Chemotherapy20% Coinsurance after deductible
Radiation20% Coinsurance after deductible
Diabetes Education20% Coinsurance after deductible
Prosthetic Devices20% Coinsurance after deductible
Infusion Therapy20% Coinsurance after deductible
Treatment For Temporomandibular Joint Disorders20% Coinsurance after deductible
Reconstructive Surgery20% Coinsurance after deductible

Not covered by this plan

  • Infertility Treatment
  • Long Term Custodial Nursing Home Care
  • Private-Duty Nursing
  • Bariatric Surgery
  • Cosmetic Surgery
  • Hearing Aids
  • Acupuncture
  • Weight Loss Programs
  • Orthodontia - Child
  • Orthodontia - 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 Value + ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) in your area:

See your price for this planEstimate your subsidy

Coverage and cost sharing come from the official Marketplace record for plan 97560MS0080004, 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.