Introducing our Zero plans
Zero as in $0 medical deductible. Low premiums meet copays on day one. Here’s why you’ll love our most popular 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 Zero plans | |
|---|---|
| Monthly premium for a 30 year old nonsmoker | $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*t |
| Non-preferred brand drugs | $200 copay |
| Specialty drugs | 50% coinsurance after $5,500 Specialty pharmaceutical deductible |
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:
In-Person Plans:
- FREE: Unlimited in-office visits with your primary care physician
- FREE: 24/7 phone access with your primary care doctor
- FREE: Most all additional procedures that happen in your Direct Primary Care Physician’s office
Remote plans:
- FREE: Unlimited remote visits with your primary care doctor
- FREE: Maintaining the same, US based doctor
- FREE: Getting the referrals and / or prescriptions you need from your own home