Introducing the Lonestar plan
A bronze plan with no medical deductible. The most affordable plan that has day one copays on medical procedures.
You'll always see the same doctor. You'll have a relationship, not a transaction.
Take as much time as you need with your doctor. Instead of the standard 8-minute visit, you'll have up to an hour.
Unlimited free visits with your doctor whenever you need to help you stay healthy.
| The Lonestar Plan | Next cheapest $0 medical deductible bronze plan | |
|---|---|---|
| Monthly premium for nonsmokers (age 18-30) | $239.37 - $300 | $291.21 - $362.02 |
| Monthly premium for nonsmokers (age 30-40) | $300 - $341.36 | $362.02 - $407.63 |
| Unlimited primary care visits | Free | $50 copay |
| 24/7 telemedicine access with your primary care provider | Free | $0 copay |
| Preventative care screenings and procedures | Free | Free |
| Individual medical deductible | $0 | $0 |
| Individual out of pocket max | $8,150 | $8,150 |
| Emergency room visits | $1,000 copay | $1,000 copay |
| Urgent care | $100 copay | $100 copay |
| Specialist visits | $85 copay | $90 copay |
| Individual prescription deductible | $5,500 | $5,500 |
| Generic drugs | $5 copay |
Preferred: $3 copay Non preferred: $25 copay |
| Preferred brand drugs |
Preferred: $25 copay Non preferred: $200 copay |
Preferred: $200 copay Non preferred: 50% coinsurance after deductible |
| Specialty Drugs | 50% coinsurance after deductible | 50% coinsurance after deductible |
| Labs | $50 copay | $50 copay |
| Mental health office visits | $50 copay | $50 copay |
| MRIs & Advanced Imaging | $200 copay | $200 copay |
| Outpatient Facility | $1,000 copay | $1,000 copay |
| Outpatient Professional | $300 copay | $300 copay |
| Physical, Occupational and Speech Therapy | $85 copay | $90 copay |
| Inpatient Hospital & Skilled Nursing Facility | $3,000 copay | $3,000 copay |
| X rays & Diagnostic Imaging | $50 copay | $90 copay |
Have your doctor in your corner
At Decent, we think your health should be managed by you and your doctor, which is why every single interaction you have with your primary care provider is free. Also, they’ll be on call for you 24/7, acting as your coach and first round of defense should anything happen.
The Lonestar plan is insurance that’s built to be used, so we decided to make the core part of it free.