Introducing our Zero plans

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.


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.

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
$0
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:

Free in-person primary care

Free virtual primary care

FREE: Unlimited in-office visits with our primary care physician

FREE: Unlimited remote visits with your primary care doctor

FREE: 24/7 phone access with your primary care doctor

FREE: Maintaining the same, US based doctor

FREE: Most all additional procedures that happen in your Direct Primary Care Physician’s office

FREE: Getting the referrals and/or prescriptions you need from your own home

Save about $50 per month on your monthly premiums per person with our virtual options.

Need to know a little more about Direct Primary Care before deciding?

Here's why it's so special

A network with names you'll recognize:

The best brands in health care in Central Texas teamed up with Decent to give you the top doctors, specialists, and facilities.

See the whole network

Don't see a name you'd like to? Email your thoughts to support@decent.com and we'll work to bring them in-network.

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