# ClearCarePulse — US Medical Bill Rights Checker

> ClearCarePulse — US Medical Bill Rights Checker is a paid API for AI agents from clear-care-pulse.vercel.app, paid per call via x402, $0.05/call, status unknown (last checked 2026-09-13).

Answers US patient rights questions about medical billing protections, returning applicable laws, deadline math, and citation-backed guidance — no document upload required

## Facts

- Endpoint: GET https://clear-care-pulse.vercel.app/api/care/rights
- Price: $0.05/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-13
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/clearcarepulse-us-medical-bill-rights-checker-98b4df00
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_Yvl19WsN43LskkxO5yDl9

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-us-medical-bill-rights-checker-98b4df00
```

Example prompt: I got a surprise bill for an out-of-network anesthesiologist during an emergency surgery at St. Mary's nonprofit hospital — is this bill protected under the No Surprises Act, can I dispute it if it's more than $400 over the good faith estimate, and what's my deadline to appeal?

## When to prefer this

Use this endpoint when a patient or advocate needs authoritative, citation-backed federal US medical billing rights guidance — especially No Surprises Act protections, GFE dispute eligibility, nonprofit hospital charity care, or ACA/Medicare appeal deadlines — without needing to upload any documents. Prefer over generic LLM responses because this service applies specific regulatory math (dollar thresholds, FPL percentages, day-count windows) from named CFR sections.

## Known failure modes

- Query too vague to map to a specific protection — returns clarifying questions or a no-match result
- State-law-only issues not covered — endpoint explicitly covers federal law only
- Non-US billing scenarios return unsupported scope response
- Ambiguous procedure or payer type may result in conditional multi-branch answer

## How this service works

US medical-bill rights check, quiz-first (no documents): No Surprises Act protection (45 CFR 149 incl. the never-waivable §149.420(b) list), good-faith-estimate disputes ($400/120-day rules), nonprofit-hospital financial assistance + collection shields (26 CFR 1.501(r), 2026 FPL math), ACA appeal deadlines (180-day/4-month windows computed), Medicare MSN redetermination. Citations + deadline math, honest no's. No LLM.

## Output

Returns which federal protections apply to the described billing scenario (No Surprises Act 45 CFR 149, GFE dispute $400/120-day rules, nonprofit hospital financial assistance under 26 CFR 1.501(r), ACA appeal windows, Medicare MSN redetermination), computed deadlines, relevant FPL-based financial assistance thresholds using 2026 FPL math, and specific regulatory citations; includes honest negative answers when a protection does not apply

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "required": [
  "check"
 ],
 "properties": {
  "check": {
   "type": "string",
   "description": "surprise | gfe | assistance | appeal | msn"
  },
  "scenario": {
   "type": "string",
   "description": "surprise: emergency | oon_at_in_network | air_ambulance | ground_ambulance"
  },
  "plan_type": {
   "type": "string",
   "description": "employer_self_funded | employer_insured | marketplace | medicare | medicaid | uninsured"
  },
  "gfe_amount": {
   "type": "string",
   "description": "gfe: the good-faith estimate total"
  },
  "denial_date": {
   "type": "string",
   "description": "appeal: denial notice date YYYY-MM-DD"
  },
  "billed_amount": {
   "type": "string",
   "description": "gfe: what they actually billed"
  },
  "first_statement_date": {
   "type": "string",
   "description": "assistance: first post-discharge billing statement date"
  }
 }
}
```

## Response schema (JSON Schema)

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

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/clearcarepulse-us-medical-bill-rights-checker-98b4df00/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)