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Frequently asked questions

If you are experiencing any COVID-19 symptoms or if you know that you may have been exposed to someone who has tested positive for COVID-19, please consult with your selected Direct Primary Care (DPC) doctor by phone or text, or visit a CareNow urgent care location. Many test locations require a physician referral or prior authorization due to the volume of cases, so we recommend calling ahead for an appointment for the smoothest experience. You can utilize this resource to find a convenient test location.

The cost of COVID-19 testing is fully covered by your plan. Medically necessary treatment for COVID-19 is covered under the standard benefits of your plan.

Start by working with your selected Direct Primary Care (DPC) doctor. For lab-work: your physician will send the referral to Clinical Pathology Laboratories (CPL). For high-tech radiology, diagnostic testing, or a specialist visit: they will FAX the referral to 512-729-7178 or securely email it to support@decent.com. From there, our friendly Customer Service Ambassadors will notify you of an in-network option near your address and submit the referral documentation to the provider for scheduling. Please note that while all specialist visits require a referral from your DPC, Urgent Care and Emergency Room visits do not require a referral, nor do routine visits to an in-network gynecologist or pediatrician. Specialists may also refer you for testing or to another provider. Please ensure you are referred in-network to reduce your out of pocket liability. We’re here to help if you’re ever unsure of what to do.

If you’re enrolled in one of Decent’s virtual plans, then unlimited access to your virtual primary care doctor is included and comes at no additional cost to you! It’s critical that you download and activate your account in the MedLion Clinic phone app as this is the only way to interact with your assigned physician. On your first date of coverage, you’ll receive a welcome email from MedLion Clinic with instructions. Follow this guide for additional assistance and let us know if you have any questions--our friendly Customer Service Ambassadors are standing by to help.

You can sign up any time! Yes, any time. Follow the link here to get your personalized quote and enroll in the plan of your choice!

Start by working with your selected Direct Primary Care (DPC) doctor. For lab-work: your physician will send the referral to Clinical Pathology Laboratories (CPL). For high-tech radiology, diagnostic testing, or a specialist visit: they will FAX the referral to 512-729-7178 or securely email it to support@decent.com. From there, our friendly Customer Service Ambassadors will notify you of an in-network option near your address and submit the referral documentation to the provider for scheduling. Please note that while all specialist visits require a referral from your DPC, Urgent Care and Emergency Room visits do not require a referral, nor do routine visits to an in-network gynecologist or pediatrician. Specialists may also refer you for testing or to another provider. Please ensure you are referred in-network to reduce your out of pocket liability. We’re here to help if you’re ever unsure of what to do.

If you’re enrolled in one of Decent’s virtual plans, then unlimited access to your virtual primary care doctor is included and comes at no additional cost to you! It’s critical that you download and activate your account in the MedLion Clinic phone app as this is the only way to interact with your assigned physician. On your first date of coverage, you’ll receive a welcome email from MedLion Clinic with instructions. Follow this guide for additional assistance and let us know if you have any questions--our friendly Customer Service Ambassadors are standing by to help.

You can sign up any time! Yes, any time. Follow the link here to get your personalized quote and enroll in the plan of your choice!

You can find our full provider directory here.

We are currently administering plans in the Austin area. We plan to expand to more cities in Texas in 2020.

If your specialist is not covered and you see them, the service would be covered under out of network benefits (less coverage). However, we are happy to reach out to add them to our provider network! Feel free to your doctors information with us (support@decent.com), and we’ll have our contracting team reach out to them.

We are proud to have St. David’s Healthcare in our provider network. Our members can receive services at all of St. David’s facilities, including their hospitals, emergency care, rehab centers, and outpatient surgery centers.

Decent is administering a health insurance plan for the Texas Freelance Association. In order to qualify for health benefits, members must demonstrate that they are indeed self employed (e.g. business owners, freelancers, or independent/1099 contractors). At this time W2 non-owner workers are not eligible for the plans.

No, we do not determine prices on pre-existing conditions.

All of the plans that Decent administers are categorized as EPOs (Exclusive Provider Organization). This is a hybrid of sorts between an HMO (Health Maintenance Organization), which generally has a small network and no out of network benefits, and a PPO (Preferred Provider Organization) which offers more flexibility on which providers you can see but generally comes with higher premiums. We’ve designed our EPO plans to have the best of both - low premiums with a provider network you’ll love.

You can go to any of our 64,000 in-network pharmacies to pick up a prescription.

Yes, all of these are covered 100% and can be taken care of at your DPC provider's office. We encourage you to get your flu shot or any vaccinations, and we will work directly with your doctor to have them paid for.

At this time Decent does not offer dental, vision, or life.

Yes (with the exception of Dr. Ikbal who sees patients 13 years old and up) and we have many pediatricians in our network.

We’re able to offer more affordable premiums because we’ve built everything from scratch. We don’t have the massive legacy processes and departments of a traditional health insurance company. We’re allowed to offer year round sign-up, and we think it’s a great thing for self-employed people.

If you are traveling and have an emergency Decent will cover you. We will work to get you the best price possible.

Yes. Decent's plan premiums are tax deductible for eligible self-employed people and their families. Consult a tax professional if you need help.

The process is similar to seeing a specialist. You should seek a referral from you 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.