Decent expanded from Austin city limits in 2019 to a Texas statewide offering in 2020. We accept remote employees in all states onto our plans so long as over 50% of the total employees at a prospective company are located in Texas at the time the policy is written and renewed.

We’re currently evaluating several states to potentially expand to in the near future - just let us know if you have one in mind where you’d like to write our policies and we’ll see what we can do!

Decent’s Formulary can be found here. Specific rates are contingent on the plan selected. Please consult our SBCs for full details on pricing per plan type.

The process is similar to seeing a specialist. Members should seek a referral from their virtual Primary Care Provider to see an in-person primary care doctor. Copay or Coinsurance costs for seeing the in-person primary care doctor would apply.

Urgent and Emergent care out of your area will be covered as in-network. For example, if your client was on vacation in Florida and got stung by a jellyfish scuba diving and had to go to urgent care - we have your client covered. In terms of standard coverage, our network is currently confined to areas within Texas’s state lines. We’ll be expanding soon, but we’re not a good fit for anyone who lives out of state for the time being.

For a business, please submit their employee census inside of our broker portal along with your client's preferred contribution structure and start date.

That’s such a good question we made a whole handout for it. Please check out Decent’s guide to broker commissions to see how your commissions will be tracked and paid.

Please have the group’s business administrator complete the Small Group BOR letter and email it to brokers@decent.com.

On our small group plans we have a minimum participation requirement of 40% of eligible employees.

We also have a minimum employer contribution threshold of 50% of employee premiums.

Decent is a PEO (Professional Employment Organization) specifically set up to serve the state of Texas. If your clients have employees outside of the state, we'll need to have a discussion about if we can adequately serve them.

‍

Outside of that, your client's company just needs one non-founder employee.

‍

If you’re curious if your client qualifies, we recommend you chat with our Customer Service Ambassadors who can clear that up for you with a few quick questions.

Email your update to brokers@decent.com with the following information:

• Your NPN
• Current agency name
• Requested new agency name
• Effective date of change

Once your appointment process is complete, you’ll receive an invitation to log into Decent’s broker portal. From there you’ll be able to:

• Access all of Decent’s forms
• Request age banded and composite rate group quotes for your clients
• Note: Decent is currently working on a system to allow brokers to generate age banded quotes in real time. Before that goes live, please allow for two business days between employee census submission and the returning of a formalized quote.
• Submit employer applications
• Submit employee enrollment requests
• Monitor the status of employer applications and associated employee enrollments
• Submit change orders
• Get real time billing and commission updates from your submitted accounts

Complete our appointment flow which you can find here. Once you’ve submitted all required information and documents, your personal point of contact will reach out within two business days with a digital copy of our agent agreement for you to sign.