Save money while getting even better coverage
Be a health insurance hero for your employees with Decent
Be a health insurance hero for your employees with Decent
We launched ACA compliant health insurance plans priced at 40% below market with a Net Promoter Score 5x industry average. Here’s what you’ll love:
Free concierge primary care
$0 medical deductible plans
Austin, TX based support team
Decent has rethought health insurance from the bottom up in order to get you the best pricing in the market for ACA compliant plans.
Our revolutionary structure allows us to offer small businesses comprehensive plans at prices closer to those previously only enjoyed by large self funded company plans.
Imagine how your insurance company would treat you if they weren’t, well, your insurance company.
Your experience comes first at Decent. Every member is assigned their personal Customer Service Ambassador (based in Austin, Texas) who will move mountains for you and your team.
Decent’s Direct Primary Care options are designed to keep your staff healthier than they’ve ever been.
They’ll never pay anything out of pocket to see their doctor, have 24/7 access to them remotely, and typically have access to half hour long same day appointments.
Starting October 1st, 2020, everyone in the great state of Texas can enroll in a Decent plan if they qualify.
Confused by odd health insurance terminology? Here's our guide to the lingo.
Age-Banded rates are simple and predictable. Blended/Composite rates are more common for companies with 5 or more employees.
Age-Banded rates: These pre-established rates are based on age and location. Employee premiums are looked up by age, the age of their dependents, and where they live.
Blended/Composite rates: Blended/Composite rates include four rate tiers: Employee Only, Employee and Spouse, Employee and Children, and Employee and Family. These rates are calculated using the total of the Age-Banded rates for the company's employees and dependents.
All Decent plans include a subscription to a members only Direct Primary Care or Virtual Direct Primary Care Clinic. Members get the same doctor for every visit, so they can build a trusting relationship with their doctor. Direct Primary Care (DPC) is about focusing time and care on the patient instead of the traditional fee-for-service revenue model. This allows the DPC to spend more time with their patients and conduct comprehensive care management, while reducing the overhead and negative incentives associated with fee-for-service third-party-payer billing. As a Decent member, that translates to more savings and more access to their physician than the traditional primary care physician (PCP) model.
Generally, the more an Employer contributes to premiums, the more likely the company will reach the participation minimum (40%).
Employee premiums: Employers must contribute between 50% and 100% to Employee-only premiums.
Dependent premiums: While Employers are not required to contribute to dependent premiums, greater contributions generally result in a higher participation rate (and higher satisfaction) by Employees.
40% of eligible employees must enroll.
Consider what you have now:
Employees who currently have Gold-level plans may expect something similar.
Consider where your employees live:
Employees who live in rural areas will be best served by Remote plans, whereas those in metro areas may expect plans with in-person primary care.
Consider which 2-3 plans to offer as a set:
Consider a set of plans that are relatively close in price range, but have distinct benefits.
Direct Primary Care & Virtual Direct Primary Care doctors can address many medical questions and issues remotely, even when you're travelling out of state. Wherever members are, if they need Urgent or Emergent care, they should go get it - it's covered.
Metal Levels: Bronze, Silver, Gold and Platinum
Zero
Remote
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