Get coverage from colds to cancer and see prices up front.

Now you can.

Surest is the health plan that lets you compare options to pay less for care across a broad, national network.

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Health care at your fingertips.

The Surest health plan is now available through your employer. Use the Surest app to explore cost and care options from the national UnitedHealthcare network of doctors, hospitals, clinics, and virtual providers.

Plan pricing

Surest is a no deductible, copay plan. The Surest app is designed to show a single price (not an estimate) for care so you know what you’ll owe before a visit.

Deductible

A deductible is the amount you have to spend out-of-pocket before your coverage goes into effect, a sort of down payment on your health care. By getting rid of the deductible - making it $0 and giving consumers more informed choices - Surest members pay less in out-of-pocket expenses than they would typically spend trying to reach a deductible.

Coinsurance

Coinsurance is the percentage of the medical bill you pay – typically this is after you’ve met your deductible. The insurance plan pays the remainder of the bill. It can be difficult to know what your bill will be given it is a percentage of a cost that is unknown until the bill arrives. The Surest plan does not use coinsurance.

Individual Out-of-pocket Limit

The most you could pay during a coverage period (usually one year) for your share of the costs of covered services. After you meet this limit, the plan will usually pay 100% of the allowed amount. This limit helps you plan for health care costs.

Family Out-of-pocket Limit

The most your family could pay during a coverage period (usually one year) for your share of the costs of covered services. After you meet this limit, the plan will usually pay 100% of the allowed amount. This limit helps you plan for health care costs.

Your basic health care costs with Surest

These prices are based your employer’s plan. Surest makes a cost-quality connection to set its copays, with high-value options often priced lower.

Office Visit

Preventive

Urgent Care

Maternity

Ultrasound

Check all prices

About the Surest plan

Will my providers be covered?

Your plan gives you access to the broad, national UnitedHealthcare network of doctors, hospitals, and clinics. If you need help finding a provider, check out Join.Surest.com to test-drive the plan. Still have questions? Get in touch with an expert.

What services are covered?

Your plan covers numerous common care needs—including:

Preventive care (annual checkup, some health screenings, vaccinations)
Primary and specialty care
Hospital services
Urgent and emergency services
Most diagnostic testing (ultrasounds and bloodwork)
Mental and behavioral health services
Maternity care
Cancer care
Treatment for chronic conditions
Substance use disorders and more

For details on the services included in your coverage, refer to your plan materials.

How can I find the cost for care?

Once you’re a member, simply go to your Surest account, go to the search tool, and search for care by condition or symptom (for example, “pink eye” or “my head hurts”). After you select the type of visit you want, you’ll see a list of provider copays (prices). Copays may vary for the same service/procedure depending on who the provider is and the location where it’s being provided. When you check prices before seeking or scheduling care—you have the power to potentially save money. You can test-drive the plan at Join.Surest.com to see how it works.

Is the price listed final?

The Surest app and website are designed to show a single, upfront price (copay), not estimate, in advance to help you choose where/how to get care. A copay is often paid at the time of service, or the provider may bill you.

How are copays lower for better care?

Surest assigns copays based on a number of factors, including providers (doctors, nurse practitioners, and physician assistants) who achieve better patient health outcomes, have lower rates of complications, and use resources more efficiently. When providers are evaluated as high-value, Surest assigns a lower copay. Surest also evaluates locations (hospitals, Ambulatory Surgical Centers, and clinics) for quality, which helps inform the copays we set.

Is it true I don’t have a deductible or coinsurance ... ever?

With the Surest plan, there’s no fog around health care costs and what’s owed. There’s no deductible and no coinsurance. Period. You have coverage from day one, no calculations required.

Real-life examples.

Pink Eye

Sylvie wakes up with pink eye. It's been going around at daycare. Her parents use the Surest app to search for pink eye to compare care options and make the right decision for their family.

A virtual visit is {{Z003700}}.

Office visits (and Telehealth visits) with a high-performing doctor are as low as {{Z005100-min}}. Office visit copays include:

Blood work
X-rays
Standard labs

Childbirth

It's go time! They used the Surest app to plan ahead. They found a hospital close to home and knew the price for delivery before baby's arrival.

Labor and delivery at a quality hospital or birth center can be as low as {{Z001800-min}}. The copay includes:

Hospital charges
OB
Anesthesiologist
Epidural
Emergency c-section
If needed, baby’s stay (if discharged with mother)

Emergency Room

Jeremy wipes out on his mountain bike and hurts his wrist. He's worried it's broken. He quickly opens the Surest app to find the closest ER. He realizes all of the ER locations are the same, fixed copay.

The copay includes:

Hospital/facility charges
Attending physician
Radiologist
X-rays
Splint

The average cost of treating common primary care treatable conditions at a hospital emergency room is $2,032.

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Look-up your doctors, conditions, or treatments to see the costs and coverage.

Try the Surest plan for yourself. The demo site let's you see providers, prices, and treatment options available.

Check prices

Self-Funded: Administrative services provided by United HealthCare Services, Inc. or its affiliates.

Fully Insured: Insurance coverage provided by UnitedHealthcare Insurance Company or its affiliates. Administrative services provided by United HealthCare Services, Inc. or its affiliates.

Level Funded: Administrative services provided by United HealthCare Services, Inc. or their affiliates, and UnitedHealthcare Service LLC in NY. Stop-loss insurance is underwritten by UnitedHealthcare Insurance Company or their affiliates, including UnitedHealthcare Life Insurance Company in NJ, and UnitedHealthcare Insurance Company of New York in NY.

All Fully Insured Plans in California: If medically appropriate care from a qualified provider cannot be provided within the Network, we will arrange for the required care with an available and accessible out-of-Network provider. You will only be responsible for paying the cost sharing in an amount equal to the cost sharing you would have otherwise paid for that service or a similar service if you had received the Covered Health Care Service from a Network provider.

Surest Fully Insured Plans in California: A complete Network and timely access to care may only be available by obtaining treatment through providers available at the maximum Copayment shown for each service at the lowest cost-sharing tier. While some network providers are available at lower Copayments (reduced cost-sharing rates), there is no guarantee of a complete Network or timely access to care at any specific reduced cost-sharing rate.