How much is the monthly premium?

Premiums depend on county, age, household circumstances and eligibility for financial assistance. Obtain a personalized Marketplace quote.

Molina Gold Core 1640 Ohio Health Insurance Plan 2026

Q: How much are specialist visits?

The brochure lists a $55 member cost for specialist visits.

Molina Gold Core 1640 Overview

Molina Gold Core 1640 is a Gold-tier HMO Marketplace health insurance plan listed in Molina Healthcare of Ohio's 2026 benefits brochure. The plan has a $1,640 individual medical deductible and an $8,100 individual out-of-pocket maximum. The brochure lists fixed member costs for primary-care, specialist and urgent-care visits. Coverage remains subject to the plan's provider network, medical-necessity rules and official benefit terms.

2026 Ohio Gold HMO with a $1,640 individual deductible and $8,100 individual out-of-pocket maximum.

Expert Review of Molina Gold Core 1640

The official 2026 Ohio Schedule of Benefits lists a $1,640 individual deductible and $8,100 individual out-of-pocket maximum. Primary-care visits are listed at $25, specialist visits at $55, urgent care at $40, and emergency-room facility services at 25% coinsurance after the deductible. These figures describe selected benefits, not the entire policy. Review the complete Schedule of Benefits, formulary and provider directory before enrollment.

Pros

The individual deductible is listed at $1,640 in the 2026 Ohio brochure.
Primary-care visits have a listed $25 member cost.
Urgent-care services have a listed $40 member cost.

Cons

The individual out-of-pocket maximum is $8,100.
Specialist visits have a listed $55 member cost.
Emergency-room facility care is listed at 25% coinsurance after the deductible.

About Molina Healthcare (Insurer Profile)

Molina Healthcare

Key Insights

Founded

1980

Molina Healthcare was established 46 years ago and has built strong credibility over time, backed by its long-standing presence in the market.

Claims Experience

0% CSR, calculated as a 3-year average

Molina Healthcare settles 0% of all claims it receives.

Network Hospitals

5.5 million members

Molina Healthcare has a network of 5.5 million members hospitals, ensuring wide accessibility and convenience for policyholders.

Molina Gold Core 1640 Features and Benefits

Medical deductible

The 2026 Ohio brochure lists a $1,640 individual deductible and $3,280 family deductible.

Check the policy for service-specific deductible rules.

Out-of-pocket maximum

The listed maximum is $8,100 for an individual and $16,200 for a family.

Only eligible expenses count under the policy rules.

Primary-care visits

The brochure lists a $25 member cost for primary-care visits.

Applicable provider-network and benefit rules apply.

Specialist visits

The brochure lists a $55 member cost for specialist care.

Confirm referral and network requirements in the plan documents.

Urgent-care services

The brochure lists a $40 member cost for urgent-care services.

Applicable benefit conditions apply.

Emergency-room facility

The brochure lists 25% coinsurance after the deductible.

This refers to the facility benefit; professional fees may apply separately.

Waiting Periods in Molina Gold Core 1640

Service-specific limitations, exclusions, network rules and authorization requirements may apply. Refer to the official 2026 plan documents.

What Molina Gold Core 1640 Does Not Cover (Exclusions)

Conditions or treatments that the policy clearly says it will not cover.

Services excluded by the policy are not covered unless a stated exception applies.
Non-emergency out-of-network services may not be covered under standard HMO rules, subject to policy exceptions.
Some services may require prior authorization or satisfy medical-necessity criteria.

Disclaimer: For illustration purposes only - exact terms are in the policy wording.

What's missing in Molina Gold Core 1640

Monthly premiums depend on county, age, household circumstances and financial assistance.
Confirm preferred doctors and hospitals in the current provider directory.
Review the prescription formulary and any prior-authorization requirements.

Molina Gold Core 1640 FAQs

What is the deductible for Molina Gold Core 1640?