Decent's Zero Health Insurance Plan

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The problem

Plans with affordable premiums have seen their deductibles creep up every year. Every year more and more people are buying policies, only to find out they can’t afford the care they need while on them.

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The Solution

We’re working to break this cycle. Decent has launched the most affordable plans in Texas that don’t have a medical deductible.

This means that instead of being on the hook for 50% of a procedure that might cost tens of thousands of dollars, you’ll have a nice, manageable copay.

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The Anti-Medical Deductible Plan

The Zero plans

Monthly premium for a 30 year old employee

$263.31 - $390.00 per month total premium

Unlimited primary care visits

Free

Preventative care screenings and procedures

Free

Individual medical deductible

Individual out of pocket max

$7,000 - $8,150*

Emergency room visits

$250 - $1,000 copay*

Urgent care

$100 copay

Emergency medical transportation

$250 - $1,000 copay*

Specialist visits

$50 - $85 copay*

Mental health office visit

$50 - $85 copay*

X-rays & diagnostic imaging

$50 copay

MRIs & Advanced Imaging

$50 - $200 copay*

Outpatient Facility

$250 - $1000 copay*

Outpatient Professional

$250 - $300 copay*

Inpatient Hospital & Skilled Nursing Facility

$250 - $3,000 copay per day for max of 2 days*

Generic drugs

$5 copay

Preferred drugs

$25 - $35 copay*

Non-preferred brand drugs

$200 copay

Specialty drugs

50% coinsurance after $5,500 Specialty pharmaceutical deductible

*Details contingent on which Zero plan is selected. To see the full suite available to you, get a quote.

Primary care reimagined

Our plans are the first major medical policies built around Direct Primary Care. You’ll have the choice between our in person and remote options. Here’s what that means for you: