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ClearCarePulse Out-of-Pocket Cost Calculator
x402
ClearCarePulse Out-of-Pocket Cost Calculator is a paid API for AI agents from clear-care-pulse.vercel.app, paid per call via x402, $0.15/call, status unknown (last checked 2026-09-15).
Calculates the exact patient out-of-pocket cost for a healthcare procedure given their deductible status, coinsurance rate, and out-of-pocket maximum.
Price / call$0.15
Success—
StatusUnknown
How this service works
Out-of-pocket cost calculator for healthcare and consumer-health agents. Returns the exact patient cost given deductible, coinsurance, and OOP max for any procedure and plan.
Output
Returns the exact patient out-of-pocket dollar amount for the procedure after applying deductible remainder, coinsurance rate, and out-of-pocket maximum cap — broken down by each cost component (deductible applied, coinsurance owed, OOP max adjustment).
Example use cases
Plan out surgery costs before scheduling
“I'm looking at getting shoulder surgery and my insurance has a $1,500 deductible that I haven't met yet, plus 25% coinsurance. The surgeon quoted me $8,000 for the procedure. Can you tell me exactly what I'd owe out of pocket so I can decide if I should wait until next year when my deductible resets?”
Compare dental work across insurance plans
“My employer is switching insurance providers next month and I need to get a crown soon. My current plan has a $500 deductible with $200 remaining and 15% coinsurance, while the new plan has no deductible but 30% coinsurance. The dentist says the crown will cost $1,200 — which plan would actually save me money?”
Understand urgent care visit expenses
“I think I sprained my ankle and need to go to urgent care, but I want to know my costs first. My plan has a $2,000 deductible that I've already met, 20% coinsurance, and I've paid $3,500 toward my $5,000 out-of-pocket max. The urgent care visit is estimated at $600 — how much will I actually have to pay?”
Technical details
Endpoint
GEThttps://clear-care-pulse.vercel.app/api/care/oopWhen to prefer
Use this endpoint when you need to compute the precise patient financial responsibility for a specific procedure under a known insurance plan with defined deductible, coinsurance, and OOP max values — especially when the user already knows their plan parameters and wants an exact cost rather than a benchmark range or provider price search.
Side effects
- Missing required plan parameters (deductible, coinsurance, OOP max) returns a 400 error
- Invalid or unrecognized procedure code/name returns an error or null cost
- OOP max lower than deductible yields a validation error
- Negative or out-of-range coinsurance percentage triggers a bad request
- Service unavailable or Vercel cold start returns 503
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| hsa | string | Has HSA (true/false) |
| lang | string | lang |
| oop_max | string | oop_max |
| oop_spent | string | OOP already spent this year in USD |
| plan_type | string | Plan type (Bronze, Silver, Gold, Platinum, employer) |
| procedurerequired | string | procedure |
| deductible | string | deductible |
| coinsurance | string | coinsurance |
| deductible_met | string | deductible_met |
| procedure_cost | string | Known procedure cost in USD |
Output
Schema · Response
{
"type": "json",
"example": {}
}Tags
x402
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