# ClearCarePulse Out-of-Pocket Cost Calculator

> 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.

## Facts

- Endpoint: GET https://clear-care-pulse.vercel.app/api/care/oop
- Price: $0.15/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-15
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/clearcarepulse-out-of-pocket-cost-calculator-03a7f7c1
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_Z_Z_6xzCNpxOZQvKejcjs

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability clearcarepulse-out-of-pocket-cost-calculator-03a7f7c1
```

Example prompt: How much will I actually owe out of pocket for a knee arthroscopy if my plan has a $2,000 deductible (I've paid $800 so far), 20% coinsurance, and a $6,000 out-of-pocket maximum — and the procedure costs $4,500?

## When to prefer this

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.

## Known failure modes

- 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

## 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).

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "required": [
  "procedure"
 ],
 "properties": {
  "hsa": {
   "type": "string",
   "description": "Has HSA (true/false)"
  },
  "lang": {
   "type": "string",
   "description": "lang"
  },
  "oop_max": {
   "type": "string",
   "description": "oop_max"
  },
  "oop_spent": {
   "type": "string",
   "description": "OOP already spent this year in USD"
  },
  "plan_type": {
   "type": "string",
   "description": "Plan type (Bronze, Silver, Gold, Platinum, employer)"
  },
  "procedure": {
   "type": "string",
   "description": "procedure"
  },
  "deductible": {
   "type": "string",
   "description": "deductible"
  },
  "coinsurance": {
   "type": "string",
   "description": "coinsurance"
  },
  "deductible_met": {
   "type": "string",
   "description": "deductible_met"
  },
  "procedure_cost": {
   "type": "string",
   "description": "Known procedure cost in USD"
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {}
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/clearcarepulse-out-of-pocket-cost-calculator-03a7f7c1/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from clear-care-pulse.vercel.app](https://www.zero.xyz/host/clear-care-pulse.vercel.app/llms.txt)