# ClearCarePulse Out-of-Pocket Cost Calculator

> ClearCarePulse Out-of-Pocket Cost Calculator is a paid API for AI agents from clearcarepulse.theaslangroupllc.com, paid per call via x402, $0.15/call, status unknown (last checked 2026-09-16).

Calculates the exact patient out-of-pocket cost for a given procedure and insurance plan, accounting for deductible, coinsurance, and OOP maximum.

## Facts

- Endpoint: GET https://clearcarepulse.theaslangroupllc.com/api/care/oop
- Price: $0.15/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-16
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/clearcarepulse-out-of-pocket-cost-calculator-328cc855
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_6ZCQz6GW1djfQZDCPh6KL

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-328cc855
```

Example prompt: I have a $1,500 deductible (of which I've met $800), 20% coinsurance, and a $5,000 out-of-pocket max — can you calculate exactly what I'll owe out of pocket for a $3,200 knee arthroscopy under my plan?

## When to prefer this

Use this endpoint when you need a precise, rule-based calculation of what a patient will actually pay after insurance, given known plan parameters (deductible, coinsurance, OOP max). Prefer it over general cost-search endpoints when the user already knows their plan details and wants an exact figure rather than a market price range.

## Known failure modes

- Missing required plan parameters (deductible, coinsurance rate, OOP max) — returns 400 with a field-level error
- Procedure code not recognized — returns 404 or empty cost estimate
- Invalid coinsurance percentage (e.g. >100%) — returns 422 validation error
- Deductible already met exceeds total deductible — returns 400 logic error
- Payment not completed (x402) — returns 402 Payment Required

## 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 requested procedure, broken down by how much applies to the remaining deductible, how much is subject to coinsurance, and whether the out-of-pocket maximum caps the total liability.

## 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-328cc855/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from clearcarepulse.theaslangroupllc.com](https://www.zero.xyz/host/clearcarepulse.theaslangroupllc.com/llms.txt)