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The Health Plan of the Future is Here.
Deductibles—Gone
By Monica Vanover on August 28, 2025
Conventional health insurance terms like deductible, coinsurance, and copay define how costs are shared between the insurer and the patient. But for patients, these terms only add confusion and frustration to an already seemingly complex system.
Surest aims to simplify health insurance. With the Surest plan, there is no deductible to meet or coinsurance to figure out. Instead, members can use an app to see copays (not estimates) for care in advance to help them plan ahead. This transparency helps members make more informed choices about care, potentially saving them—and their employer—money. In fact, Surest members saved an average of 44% on out-of-pocket costs¹ and employers saw 7.7% lower total cost of care.²
WHAT IT MEANS
Members don’t have to pay a large amount out of pocket before their plan starts paying.
THE BENEFIT
Since there’s no deductible to pay down, the copay listed is the price members pay for a visit starting on day one.
EXAMPLE
If a member needs an MRI, they can shop and compare providers and locations in advance and then choose where they want to go and know the copay before they book an appointment.
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statistic from the organization
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statistic from the organization
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Watch this video to see how the Surest plan can help cut health care costs, not the benefits.
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QUICK FACTS
13%
fewer inpatient hospital stays³
Coinsurance—Also gone
WHAT IT MEANS
Members aren’t required to pay a percentage of the total cost after meeting a deductible.
THE BENEFIT
There’s no hard math to figure out—just pay the copay (or none at all).
EXAMPLE
A maternity delivery visit includes a number of services in one bundled copay. The member doesn’t have to pay a large out-of-pocket first and then a percentage of each service listed. The services listed are included in a single copay.
Surest uses an intuitive digital design—via mobile app or website—so members can access information 24/7 to help them make decisions about their care. The health care industry is built around putting patients first and making them a part of their care team. Why should health coverage be any different?
From the Surest app, members can:
Delivering results
Surest is a no-deductible plan that uses a copay model to help members shop and compare care options before a visit. Features like Surest Care Ratings help explain to members, in the Surest experience, the link between copays and historical provider value. Surest evaluates providers on services they offer based on their historical effectiveness and cost efficiency performance and then assigns higher CareRatings— and lower copays—for higher provider performance. When members engage with the plan and have access to cost transparency, they often choose high-value providers:
Upfront copays
WHAT IT MEANS
Members can see a copay before a visit for all types of care, including doctor visits, treatments, and surgeries.
THE BENEFIT
Knowing the copay in advance allows members to compare costs and see what services are included in a visit before a bill arrives.
EXAMPLE
At a doctor’s visit, members can use their Surest app to search for a specialist the doctor recommends and see the copay or if others may be available at a lower copay. And with access to the large UnitedHealthcare network of 1.8M+ physicians and health care professionals and 5,600+ hospitals across the country,¹ there are plenty of options to choose from.
6%
decrease in emergency room visits⁴
22%
lower costs
per surgery³
92%
of members select high-efficiency providers³
7x
increase in virtual visits
Surest also bundles related services like labs and X-rays into a single copay. This way, members can see a complete price for a health care event before a medical bill is even processed.
Meeting members where they are
See actual copays (not estimates)
Find providers and locations
Compare treatment options
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View ratings and reviews
Know what’s included in a visit
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The health plan of the future is here
Surest flips the traditional health plan model on its head. By removing obstacles like deductibles and coinsurance and replacing them with simplicity and transparency, Surest delivers real results that help put care back into health care benefits—the way it should be.
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2024 Surest ASO financials matched control study vs. traditional plans.
Medical and pharmacy PMPY. Aon's Cost Efficiency Measurement of Surest 2021–2022, March 2024.
Surest 2022 book of business plan sponsors with both medical and pharmacy data within our warehouse; industry 2022 commercial benchmarks and risk adjustment methodology. Risk adjusted for demographics, geography, and disease burden. 168_V01, 66_V03, 169_V01, 71_V03, 67_V03. Accessed Aug. 6, 2025.
Comparison of members identified as having 12 months of enrollment in a UHC plan in 2021, and 12 months of enrollment in a Surest plan in 2022. 170_V01. Accessed Aug. 6, 2025.
Surest Doctor On Demand (DoD) 2022 utilization compared to 2022 DoD book of business. 46_V04 152022 Surest book of business. 131_V03, 125_V03. Accessed Aug. 6, 2025.
UnitedHealthcare Employer and Individual network statistics, ending Q1 2025.
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