Know what a plan really costs.
Most tools show a premium and a deductible. Surely simulates the whole year — drugs, doctors, copays, coinsurance, networks, and the out-of-pocket max — to estimate what a member will actually pay.
- Premiums$3,744
- Deductible$3,000
- Specialty-drug coinsurance$6,200
- Visits & labs$900
We simulate the year, month by month.
A formulary lookup answers “is this drug listed?” Surely answers the real question: given this person's drugs and doctors, what will this plan cost — and how likely is it to deny important care?
Walk the year
Apply each month's premium, prescription fill, and visit in sequence.
Track the deductible
The member pays full allowed cost until the deductible is met.
Apply cost-sharing
After the deductible, copays and coinsurance kick in on every claim.
Cap at the OOP max
Once the out-of-pocket maximum is hit, covered in-network care stops accruing.
Flag the risk
Surface drugs that are uncovered, out of network, or likely to need prior auth.
Run a real employer scenario.
We'll show which employees save, who faces drug or doctor disruption, and where a plan's sticker price hides its true cost.