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We study the materials that are composed of metals and insulators.These plasmonic and non-plasmonic materials are ordered in geometric arrangements with dimensions that are fractions of the wavelength of light.A theoretical model is developed to simulate the refractive index of these nano-structured electromagnetic materials which support surface plasmon resonances.Factors contributing to the refractive index sensitivity are explored phenomenologically.Particles with size parameters smaller by much less than 1 have optical properties accurately predicted by the quasi-electrostatic theory while particles with larger size parameters necessitate electrodynamics.We simulate a type of refractive index material composed of metal and insulating dielectric nano-spheres,which are able to sustain the propagation of infrared or visible frequency electromagnetic waves known as surface plasmon polaritons.