# DebtPulse Medical Bill Negotiation

> DebtPulse Medical Bill Negotiation is a paid API for AI agents from debtpulse.vercel.app, paid per call via x402, $0.1/call, status unknown (last checked 2026-09-13).

Returns charity-care options, No Surprises Act protections, itemized-bill review, and negotiation scripts for medical debt relief

## Facts

- Endpoint: GET https://debtpulse.vercel.app/api/debt/medical
- Price: $0.1/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-13
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/debtpulse-medical-bill-negotiation-41bb03e8
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_rsw8j6CubpfK-SD1k9t6H

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 debtpulse-medical-bill-negotiation-41bb03e8
```

Example prompt: I just got a $4,200 hospital bill from St. Mary's Medical Center for an ER visit and I don't have insurance — can you check if I qualify for charity care, flag any No Surprises Act violations, review the itemized charges, and give me a negotiation script to lower what I owe?

## When to prefer this

Use this endpoint when a user needs actionable, multi-angle support for a medical bill — specifically when they need charity-care lookup, No Surprises Act compliance checking, itemized-bill error detection, and negotiation scripts all in one call. Prefer this over generic debt advice endpoints when the debt is specifically medical/healthcare in nature.

## Known failure modes

- Missing or incomplete bill details may result in generic rather than tailored recommendations
- Hospital or provider not recognized may limit charity-care lookup accuracy
- Payment of 0.1 USDC via x402 required per call — unpaid requests return 402 error
- Highly complex billing disputes may require additional manual review beyond scripted guidance

## How this service works

Global debt elimination intelligence. All endpoints require x402 payment (USDC on Base mainnet) via the PAYMENT-SIGNATURE header. Supports US, UK, Australia, and Canada jurisdictions. Add ?lang= for any language response.

## Output

Returns structured guidance including applicable charity-care and financial assistance programs, No Surprises Act protections and violation flags, an itemized-bill review highlighting potential errors or inflated charges, and ready-to-use negotiation scripts tailored to the patient's situation.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "$schema": "https://json-schema.org/draft/2020-12/schema",
 "required": [
  "input"
 ],
 "properties": {
  "input": {
   "type": "object",
   "required": [
    "type",
    "method"
   ],
   "properties": {
    "type": {
     "type": "string",
     "const": "http"
    },
    "method": {
     "enum": [
      "GET",
      "HEAD",
      "DELETE"
     ],
     "type": "string"
    },
    "queryParams": {
     "type": "object",
     "properties": {
      "action": {
       "type": "string",
       "description": "chapter7 | chapter13 | iva | trust-deed | sequestration | compare"
      },
      "country": {
       "type": "string",
       "description": "US | UK | CA | AU | IE | ZA | NZ"
      }
     }
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "errors": {
     "type": "object",
     "description": "Documented error responses, keyed by HTTP status code",
     "additionalProperties": {
      "type": "object",
      "required": [
       "description"
      ],
      "properties": {
       "example": {
        "type": "object"
       },
       "description": {
        "type": "string"
       }
      }
     }
    },
    "example": {
     "type": "object"
    }
   }
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "costs": "$1,500-$3,500 attorney fees",
  "action": "chapter7",
  "country": "US",
  "discharge_timeline": "4-6 months",
  "credit_impact_years": 10,
  "means_test_threshold": 56000
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/debtpulse-medical-bill-negotiation-41bb03e8/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from debtpulse.vercel.app](https://www.zero.xyz/host/debtpulse.vercel.app/llms.txt)