Documentation

Understand how Toravine optimizes Medicare plan selection, or integrate our optimization engine into your own application via the REST API.

Quickstart

Enter your Medicare profile and get optimized plan rankings in under 5 minutes.

Out-of-Pocket Simulation

How we compute total annual cost across premiums, deductibles, copays, and drug coverage phases.

Monte Carlo Simulation

1,000 stochastic health scenarios using MEPS expenditure distributions calibrated to your age and conditions.

Formulary Matching

How we match your medications against plan formularies and compute tier-adjusted drug costs.

Provider Network Check

Verification of your preferred doctors against each plan provider directory from CMS data.

Medigap vs. MA Model

Comparing Original Medicare + Medigap + Part D against Medicare Advantage all-in-one plans.

API Endpoints

POST/v1/optimizeFull plan optimization for a user profile

GET/v1/plans/:zipList available plans by ZIP code

GET/v1/drugs/searchDrug search / NDC autocomplete

GET/v1/providers/searchProvider search by name

POST/v1/compareSide-by-side plan comparison

POST/v1/signupCreate account and get API key

POST/v1/checkoutCreate Stripe checkout session

Authentication

All API requests require an API key via the X-API-Key header.

curl https://toravine-api.smarttechinvest.com/v1/plans/33101 \
  -H "X-API-Key: tor_your_api_key_here"

Out-of-Pocket Cost Simulation

For each plan, we compute: Annual Premium + Deductible Spend + Copays/Coinsurance + Drug Costs (across initial, donut hole, and catastrophic phases) with the new $2,000 Part D OOP cap applied. IRMAA surcharges are added based on income.

Drug costs are computed by matching each medication against the plan formulary, determining tier placement, and applying tier-specific cost-sharing rules including prior authorization and step therapy requirements.

Monte Carlo Health Cost Simulation

We run 1,000 stochastic health expenditure scenarios per plan using MEPS age-cohort distributions. Each scenario simulates ER visits, hospitalizations, specialist visits, and outpatient procedures, then runs those costs through the plan's deductible/coinsurance/OOP max structure.

Expected (mean) cost -- average across all scenarios
Median cost (P50) -- less sensitive to outliers
95th percentile (P95) -- worst-case planning number
Full distribution -- see the entire range of possible costs