UnitedHealthcare of Washington, Inc

UnitedHealthcare of Washington, Inc | Gold Navigate 1500

  • Gold Navigate 1500 is an Obamacare health insurance plan offered by UnitedHealthcare of Washington, Inc that is available for individuals and families.

  • This plan is a EPO, meaning you will have some of the flexibility to manage more of your health care without a primary care physician, however, you will need to stay within the provider’s network. (Read more about EPOs.)

  • This plan is a Gold metal level plan, which generally has a higher monthly cost but lower deductible (and co-pay), and provides good insurance coverage for people and families who spend more on health care (doctor visits, Rx, tests) than the average person.

  • Deductible amount of $1,500. A deductible is the amount of healthcare costs you will pay on your own each year before the insurance company.

  • Max out-of-pocket of $4,450, which is the most you will pay in a plan year outside of premiums, out-of-network providers and non-essential health benefits.


Ways to Enroll or Learn More

SPEAK WITH A LICENSED AGENT

Plan Summary

Monthly Cost

Plan Name:
Gold Navigate 1500

Plan ID:
43861WA0110005

Plan Type:
EPO

Deductible:
$1,500

Maximum Out-of-Pocket:
$4,450

Summary of Benefits:

Provider Information:

Who is this plan for?

This plan with a higher monthly cost is great for individuals and families who have multiple, serious, or chronic health needs, regularly visit the doctor, and regularly use multiple prescription drugs. The moderate deductible on this plan means you will pay a fair amount of money out of pocket for medical care and prescriptions before your insurance kicks in. The very high out-of-pocket maximum on this plan means you could be faced with a very expensive medical bill if an emergency happens.

HealthCare.com is a privately-held internet start-up for healthcare consumers. We’re not the government website.

Highlights


Emergency Room:
30% Coinsurance after deductible

Retail Drugs:
$40

Generic Drugs:
$10

Overview


Plan Type:
EPO

Metal Level:
Gold

Health Spending Account:
No

Primary Care Office Visit:
$15

Specialist Office Visit:
$30

Out of Network Coverage:
Yes

Out of Country Coverage:
Yes

Coverage Details

Preventive Care

Periodic Health Exam
In Network:
No Charge

Out of Network:
Not Covered
Well Baby Care
In Network:
No Charge

Out of Network:
Not Covered

Inpatient

Hospital Services
In Network:
30% Coinsurance after deductible

Out of Network:
Not Covered
Physician Fee
In Network:
30% Coinsurance after deductible

Out of Network:
Not Covered
Skilled Nursing Facility
In Network:
30% Coinsurance after deductible

Out of Network:
Not Covered
Mental Health
In Network:
30% Coinsurance after deductible

Out of Network:
Not Covered
Substance Abuse
In Network:
30% Coinsurance after deductible

Out of Network:
Not Covered
Home Healthcare
In Network:
30% Coinsurance after deductible

Out of Network:
Not Covered

Outpatient

Surgery
In Network:
30% Coinsurance after deductible

Out of Network:
Not Covered
X-ray and Diagnostics
In Network:
30% Coinsurance after deductible

Out of Network:
Not Covered
Labs
In Network:
30% Coinsurance after deductible

Out of Network:
Not Covered
Facility Fee
In Network:
30% Coinsurance after deductible

Out of Network:
Not Covered
Mental Health
In Network:
$15

Out of Network:
Not Covered
Substance Abuse
In Network:
$15

Out of Network:
Not Covered
Rehabilitation Services
In Network:
30% Coinsurance after deductible

Out of Network:
Not Covered

Maternity/Pregnancy

Pre & Postnatal Care
In Network:
$15

Out of Network:
Not Covered
Labor and Delivery Inpatient Services
In Network:
30% Coinsurance after deductible

Out of Network:
Not Covered

Vision

Eye Exam (Child)
In Network:
No Charge

Out of Network:
Not Covered
Glasses (Child)
In Network:
No Charge

Out of Network:
Not Covered

Additional Coverage

Chiropractic Care
In Network:
30% Coinsurance after deductible

Out of Network:
Not Covered
Habilitation Services
In Network:
30% Coinsurance after deductible

Out of Network:
Not Covered
Rehabilitation Services (Speech)
In Network:
30% Coinsurance after deductible

Out of Network:
Not Covered
Rehabilitation Services (Occupational Therapy)
In Network:
30% Coinsurance after deductible

Out of Network:
Not Covered
Hospice Service
In Network:
30% Coinsurance after deductible

Out of Network:
Not Covered
Diabetes Care Management
In Network:
$15

Out of Network:
Not Covered
Durable Medical Equipment
In Network:
$15

Out of Network:
Not Covered
Hearing Aids
In Network:
30% Coinsurance after deductible

Out of Network:
Not Covered
Nutritional Consuleling
In Network:
$15

Out of Network:
Not Covered
Reconstructive Surgery
In Network:
30% Coinsurance after deductible

Out of Network:
Not Covered

Doctor Visits

Primary Care Visit
In Network:
$15

Out of Network:
Not Covered
Specialist Visit
In Network:
$30

Out of Network:
Not Covered
Other Practitioner Office Visit
In Network:
$15

Out of Network:
Not Covered
Preventative Care / Screening / Immunization
In Network:
No Charge

Out of Network:
Not Covered

Emergency Room and Urgent Care

Emergency Room Services
In Network:
30% Coinsurance after deductible

Out of Network:
30% Coinsurance after deductible
Urgent Care Services
In Network:
$75

Out of Network:
Not Covered
Ambulance/Transportation Services
In Network:
30% Coinsurance after deductible

Out of Network:
30% Coinsurance after deductible

Drugs

Generic Prescription
In Network:
$10

Out of Network:
Not Covered
Retail Brand Drugs
In Network:
$40

Out of Network:
Not Covered
Non Retail Brand Drugs
In Network:
$75

Out of Network:
Not Covered
Specialty Drugs
In Network:
$250

Out of Network:
Not Covered
Drug Deductible
In Network:
Individual: No Charge Family: No Charge

Out of Network:
Individual: Not Applicable Family: Not Applicable

Additional Plan Information

Summary Of Benefits:

Provider Information:

HealthCare.com is a privately owned website, and monthly costs shown above are estimates only. Your monthly premium may change based on the data provided, outside fees, optional benefits or if other factors take effect before your coverage start date. Note that insurance companies reserve the right to change your premium rate and the policy terms at any time. Effective date, benefit amounts and other conditions may apply at the discretion of the insurance carrier you select. Depending on your state of residence, this website may not display all plans available by state. The Obamacare Tax Subsidy Calculator amounts are estimates only and the actual amount of subsidy eligibility may differ. Access to your physician depends on network selected, and networks can change without notice. Contact your health insurance company to confirm your healthcare provider is still available in the network you select.

Health care coverage provided by UnitedHealthcare of Washington, Inc, a UnitedHealthcare company. This screen is intended only as general information. It presents only a brief overview of some of the standard benefits of the plan(s) shown. Before you apply, please use the link(s) provided to download and review the product information including the SBC for a more complete explanation. This health care coverage is not designed or marketed as employer-provided insurance. It does not comply with your states small-employer group health insurance laws. These plans cannot be used, now or in the future, by you or an employer to provide insurance for employees. Estimated costs of coverage shown is based on the information you provided, and is subject to change based on the plan you select, and other factors. We shall exclusively determine the premium actually required, and the effective date of any coverage issued. These plans only pay benefits for eligible expenses from a network provider. No benefits are payable for non-emergency care from a non-network provider. Emergency treatment from a non-network provider will be treated as a network expense. You must select a Primary Care Physician (PCP) within our network and your state of residence. Your PCP refers you to specialists when additional care is needed (no referral needed for a network obstetrician or gynecologist). Important note: If you use a specialist without a referral from your PCP, there are no benefits. If you do not select a valid PCP, you will be assigned one to manage your care.

Powered by Quotit -quotit.com

LOOKING FOR A NEW HEALTH INSURANCE QUOTE?
Talk to one of our partner agents:*

* Note: This number does not reach HealthCare.com personnel.
For frequently-asked questions and support documentation:
Visit the HealthCare.com Help Center >