# FindMyDirectDoctor Foundation Health Finance Q&A Search

> FindMyDirectDoctor Foundation Health Finance Q&A Search is a paid API for AI agents from api.findmydirectdoctor.com, paid per call via x402, $0.01/call, status unknown (last checked 2026-10-31).

Keyword-searches 1,525 physician-reviewed Q&A pairs from 246 guides covering cash prices, medical bills, Medicaid, direct primary care, medicines, and dental care — returning concise answers with guide links and review metadata.

## Facts

- Endpoint: GET https://api.findmydirectdoctor.com/v1/answers?utm_source=zero.xyz
- Price: $0.01/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-31
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/findmydirectdoctor-foundation-health-finance-q-a-search-231e5e74
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_Uw-CJGO1I9V6pZEFBrGKw

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-foundation-health-finance-q-a-search-231e5e74
```

Example prompt: Can I use my HSA for direct primary care memberships? Search the FindMyDirectDoctor Foundation guides and give me up to 3 answers with their sources.

## When to prefer this

Choose this endpoint when a user needs quick, authoritative answers to common healthcare finance questions — especially about cash prices, medical bills, direct primary care, HSA eligibility, Medicaid, or affordable dental/prescription options — and wants physician-reviewed content with source citations rather than generated text. Prefer it over a general web search when trustworthiness, review dates, and guide attribution matter. Not suitable for finding specific doctors or pricing near a location (use sibling endpoints for those).

## Known failure modes

- Query too short (under 2 characters) — returns validation error
- No matching Q&A pairs found for niche or misspelled query — returns empty results array with total_matches: 0
- Limit parameter out of range (above 10 or below 1) — returns validation error
- Service unavailable or payment authorization failure — returns 402 or 5xx error
- Very broad single-word queries may return low-relevance results due to keyword matching approach

## How this service works

Short answers to common money questions about health care without insurance, found by keyword search over 1,525 question-and-answer pairs from 246 Foundation guides on cash prices, medical bills, Medicaid, direct primary care, medicines and dental care. Each answer comes with its guide link, review date and the physician-review credit.

## Output

A JSON object containing the interpreted query (with matched keywords), an array of up to 10 scored Q&A results (each with question text, answer text, relevance score, source guide title, guide URL, and last-reviewed date), total match count, data-as-of date, physician-review credit line, source attribution, and a standard medical/legal disclaimer.

## 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": [
      "q"
     ],
     "properties": {
      "q": {
       "type": "string",
       "maxLength": 120,
       "minLength": 2,
       "description": "The question in plain words, for example can I use my HSA for direct primary care."
      },
      "limit": {
       "type": "integer",
       "default": 5,
       "maximum": 10,
       "minimum": 1,
       "description": "Answers to return (default 5, maximum 10)."
      }
     }
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object",
     "required": [
      "query",
      "results",
      "guide_url",
      "last_reviewed",
      "credit",
      "data_as_of"
     ],
     "properties": {
      "query": {
       "type": "object",
       "description": "The request as understood, with the words used for matching."
      },
      "credit": {
       "type": "string",
       "description": "Physician-reviewed, FindMyDirectDoctor Foundation"
      },
      "source": {
       "type": "string"
      },
      "results": {
       "type": "array",
       "items": {
        "type": "object",
        "properties": {
         "from": {
          "type": "string"
         },
         "score": {
          "type": "number"
         },
         "answer": {
          "type": "string"
         },
         "question": {
          "type": "string"
         },
         "guide_url": {
          "type": "string"
         },
         "guide_slug": {
          "type": "string"
         },
         "guide_title": {
          "type": [
           "string",
           "null"
          ]
         },
         "last_reviewed": {
          "type": [
           "string",
           "null"
          ]
         }
        }
       }
      },
      "returned": {
       "type": "integer"
      },
      "guide_url": {
       "type": "string"
      },
      "data_as_of": {
       "type": "string"
      },
      "disclaimer": {
       "type": "string"
      },
 
… (truncated)
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "query": {
   "q": "can I use my HSA for direct primary care",
   "limit": 2,
   "words_used": [
    "use",
    "hsa",
    "direct"
   ]
  },
  "credit": "Physician-reviewed, FindMyDirectDoctor Foundation",
  "source": "FindMyDirectDoctor Foundation guides (findmydirectdoctor.org/guides)",
  "results": [
   {
    "from": "guide quick answer",
    "score": 30.5,
    "answer": "Often you can pay with an HSA. Starting January 1, 2026, a federal rule lets many people with an HSA and a high-deductible health plan pay these fees with HSA money. The fee generally has to be $150 a month or less for one person, or $300 a month or less for a family. The details are tricky, so check with a tax adviser about your own situation.",
    "question": "can I use my HSA for direct primary care",
    "guide_url": "https://findmydirectdoctor.org/guides/hsa-direct-primary-care/",
    "guide_slug": "hsa-direct-primary-care",
    "guide_title": "Can I use my HSA for direct primary care?",
    "last_reviewed": "2026-10-10"
   },
   {
    "from": "guide FAQ",
    "score": 29,
    "answer": "Often you can, starting January 1, 2026, if you meet the rules. Your plan, your fee and your practice's terms all matter. Please check with a tax adviser before you decide.",
    "question": "Can I use my HSA for direct primary care?",
    "guide_url": "https://findmydirectdoctor.org/guides/hsa-direct-primary-care/",
    "guide_slug": "hsa-direct-primary-care",
    "guide_title": "Can I use my HSA for direct primary care?",
    "last_reviewed": "2026-10-10"
   }
  ],
  "returned": 2,
  "guide_url": "https://findmydirectdoctor.org/guides/hsa-direct-primary-care/",
  "data_as_of": "2026-10-02",
  "disclaimer": "General information quoted from published guides. Not medical, legal or tax advice. In an emergency call 911.",
  "last_reviewed": "2026-10-10",
  "total_matches": 57
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/findmydirectdoctor-foundation-health-finance-q-a-search-231e5e74/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)