# FindMyDirectDoctor Coverage Transitions Guide API > FindMyDirectDoctor Coverage Transitions Guide API is a paid API for AI agents from api.findmydirectdoctor.com, paid per call via x402, $0.02/call, status unknown (last checked 2026-10-31). Returns physician-reviewed, sourced facts and structured information about health coverage options and transitions, including COBRA, Medicaid, Medicare Savings Programs, special enrollment, and free clinics, based on a topic query. ## Facts - Endpoint: GET https://api.findmydirectdoctor.com/v1/coverage/transitions?utm_source=zero.xyz - Price: $0.02/call - Payment: x402 - Status: unknown - Last checked: 2026-10-31 - Activations on Zero: 0 - Tags: x402 - Canonical page: https://www.zero.xyz/c/findmydirectdoctor-coverage-transitions-guide-api-671cf06d - Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_yxwi_5psGB8EMHS10bxqY 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 findmydirectdoctor-coverage-transitions-guide-api-671cf06d ``` Example prompt: I just got laid off and lost my employer health insurance — can you look up what my options are for the job-loss topic, including COBRA alternatives and the marketplace special enrollment window, using the FindMyDirectDoctor coverage guide? ## When to prefer this Choose this endpoint when an agent needs authoritative, sourced, human-readable facts about US health coverage transitions — especially job loss, COBRA, Medicaid, Medicare Savings Programs, or free clinics — and wants pre-extracted key deadlines (day counts) with source links. Prefer over a general web search when structured, physician-reviewed, consistently formatted output with citation URLs is needed. Best for agents building coverage-decision workflows, answering user questions about insurance options, or surfacing deadline-critical information like 60-day enrollment windows. ## Known failure modes - Missing required 'topic' parameter returns a 400 error - Unrecognized topic slug may return empty facts array or fall back to plain-word matching - State code provided for non-state-aware topics is silently ignored - q and limit parameters are only respected for topic=helplines; ignored otherwise - Guide content may be dated if data_as_of is stale relative to policy changes - Truncated response schema may omit some fields in edge cases ## How this service works What to look at after a loss of job-based coverage or a change in coverage: COBRA alternatives, self-employed options, special enrollment windows, Medicaid eligibility, the 2027 Medicaid work requirement with state start dates where state guides give them, Medicare Savings Program limits, free clinics, and helpline numbers. Quoted from 29 published guides with source links. ## Output A JSON object containing: quoted facts from physician-reviewed guides with section labels and source URLs, structured key_items with day-count deadlines and labels, a guide object (title, slug, URL, last_reviewed date), related guide slugs, external source citations, a credit and disclaimer, and data_as_of timestamp. For helplines topics, returns a filtered list of helpline names and contact details. ## 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" ], "type": "string" }, "queryParams": { "type": "object", "required": [ "topic" ], "properties": { "q": { "type": "string", "maxLength": 120, "description": "With topic=helplines only: words that must appear in the helpline's name or purpose." }, "limit": { "type": "integer", "default": 10, "maximum": 25, "minimum": 1, "description": "With topic=helplines only: results to return." }, "state": { "type": "string", "maxLength": 40, "description": "2-letter state code or name. With topic=work-requirement adds that state's Medicaid work-rule start date from its guide. With topic=helplines narrows to that state." }, "topic": { "type": "string", "maxLength": 120, "minLength": 1, "description": "The situation or program: job-loss, cobra-alternatives, no-job, self-employed, high-deductible-vs-cash, no-insurance-basics, mandate-penalty, work-requirement, medicare-savings, medicaid-eligibility, how-to-apply, medicaid-card, medicaid-pregnancy, coverage-gap, nursing-home, assisted-living, medicaid-transportation, family-caregivers, katie-beckett, medicaid-vs-medicare, medi-cal-name, community-health-centers, sliding-scale-clinics, free-clinics, clinic-types-compared, find-medicaid-doctor, telehealth, walk-in-clinic, addiction-treatment, helplines; a guide slug (including the 20 program guides) or plain words." } } } }, "additionalProperties": false }, "output": { "type": "object", "required": [ "type" ], "properties": { "type": { "type": "string" }, "example": { "type": "object", "required": [ "query", "credit", "data_as_of" ], "properties": { "facts": { "type": "array", "items": { "type": "object", "properties": { "quote": { "type": "string" }, "section": { "type": "string" }, "source_url": { "type": [ "string", "null" … (truncated) ``` ## Response schema (JSON Schema) ```json { "type": "json", "example": { "facts": [ { "quote": "You usually have 60 days after losing job-based coverage to sign up for a Marketplace plan.", "section": "quick answer", "source_url": null } ], "guide": { "url": "https://findmydirectdoctor.org/guides/lost-job-lost-insurance/", "slug": "lost-job-lost-insurance", "title": "Lost your job and your health insurance? What to do this week", "last_reviewed": "2026-10-10" }, "lists": [ { "items": [ "You usually have 60 days to choose COBRA after you get your notice, and then 45 days to make your first payment.", "You usually pay the full premium, which is the whole monthly price. That includes the part your employer used to pay, plus up to 2 percent more, so it is often a big jump in cost." ], "section": "Step 4. Learn how COBRA works" } ], "query": { "topic": "job-loss", "matched_by": "alias", "matched_slug": "lost-job-lost-insurance" }, "topic": "job-loss", "credit": "Physician-reviewed, FindMyDirectDoctor Foundation", "source": "FindMyDirectDoctor Foundation guides (findmydirectdoctor.org/guides)", "related": [ { "url": "https://findmydirectdoctor.org/guides/high-deductible/", "slug": "high-deductible" } ], "sources": [ { "url": "https://www.healthcare.gov/coverage-outside-open-enrollment/special-enrollment-period/", "publisher": "healthcare.gov" } ], "guide_url": "https://findmydirectdoctor.org/guides/lost-job-lost-insurance/", "key_items": [ { "days": 60, "label": "marketplace_special_enrollment_window", "quote": "You usually have 60 days after losing job-based coverage to sign up for a Marketplace plan.", "guide_url": "https://findmydirectdoctor.org/guides/lost-job-lost-insurance/", "guide_slug": "lost-job-lost-insurance", "source_url": null }, { "days": 60, "label": "elect_cobra_and_first_payment", "quote": "You usually have 60 days to choose COBRA after you get your notice, and then 45 days to make your first payment.", "guide_url": "https://findmydirectdoctor.org/guides/lost-job-lost-insurance/", "guide_slug": "lost-job-lost-insurance", "source_url": null } ], "data_as_of": "2026-10-02", "disclaimer": "General information quoted from published guides. Not medical, legal or tax advice. In an emergency call 911.", "quick_answer": "You usually have 60 days after losing job-based coverage to sign up for a Mark … (truncated) ``` ## More - Live health (JSON, refreshed every minute): https://www.zero.xyz/c/findmydirectdoctor-coverage-transitions-guide-api-671cf06d/health.json - [Zero catalog index](https://www.zero.xyz/llms.txt) - [Other services from api.findmydirectdoctor.com](https://www.zero.xyz/host/api.findmydirectdoctor.com/llms.txt)