Introducing the Lonestar plan

A bronze plan with no medical deductible. The most affordable plan that has day one copays on medical procedures.

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Free access to a members-only primary care clinic

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.

Get a quote for a new kind of bronze plan

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