# FindMyDirectDoctor Insurance Policy Directory API

> FindMyDirectDoctor Insurance Policy Directory 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 a doctor's office's own published insurance stance (no billing, bills insurance, or both), plus mentions of superbills, HSA/FSA, Medicare, and Medicaid — searchable by practice name or location.

## Facts

- Endpoint: GET https://api.findmydirectdoctor.com/v1/clinics/insurance-policy?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-insurance-policy-directory-api-95783e32
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_N2NDcjrswOzcu4sjxsM1i

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-insurance-policy-directory-api-95783e32
```

Example prompt: Find direct primary care or cash-pay doctor's offices within 25 miles of ZIP 66210 that say they don't bill insurance, and show me which ones mention superbills or accept HSA/FSA — sort by distance and give me up to 10 results.

## When to prefer this

Use this endpoint when you need to know what a specific doctor's office or set of nearby practices says about insurance on their own website — especially useful for patients seeking no-insurance-billing, superbill, or HSA/FSA-compatible care. Prefer this over general provider directories (Zocdoc, NPI lookup) when the question is specifically about a practice's insurance billing stance or cash-pay compatibility rather than appointment availability or clinical specialty.

## Known failure modes

- Missing required location parameter (no zip, lat/lng, city+state, or state) returns a validation error
- Invalid ZIP format (not 5 digits) rejected by schema pattern
- lat provided without lng (or vice versa) is invalid
- Practice not found by name returns empty results list
- Cursor token expired or invalid returns error or empty page
- flag enum value misspelled returns validation error
- limit exceeds maximum of 25 is rejected

## How this service works

What a doctor's office says about insurance on its own website: that it does not bill insurance, bills insurance, or both, plus mentions of superbills for reimbursement, HSA and FSA cards, Medicare and Medicaid. Found for one named practice or searched near a place by stance, mention or HSA/FSA wording. The wording is the practice's own, not advice on coverage or eligibility. Published by the practice; confirm before booking.

## Output

A paginated list of matching practices, each including: practice name, model (DPC/concierge/cash-pay/hybrid), the practice's own insurance stance wording, boolean flags for superbill/Medicare/Medicaid mentions, HSA/FSA statement status, adult monthly price, distance in miles, website, phone, city, state, ZIP, and a disclaimer that details come from the practice's own website and should be confirmed before booking.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "$schema": "https://json-schema.org/draft/2020-12/schema",
 "required": [
  "input"
 ],
 "properties": {
  "input": {
   "type": "object",
   "required": [
    "type",
    "method"
   ],
   "properties": {
    "type": {
     "type": "string",
     "const": "http"
    },
    "method": {
     "enum": [
      "GET"
     ],
     "type": "string"
    },
    "queryParams": {
     "type": "object",
     "required": [],
     "properties": {
      "lat": {
       "type": "number",
       "maximum": 90,
       "minimum": -90,
       "description": "Latitude; needs lng."
      },
      "lng": {
       "type": "number",
       "maximum": 180,
       "minimum": -180,
       "description": "Longitude; needs lat."
      },
      "zip": {
       "type": "string",
       "pattern": "^\\d{5}$",
       "description": "5-digit US ZIP code. Give zip, or lat with lng, or city with state, or state alone."
      },
      "city": {
       "type": "string",
       "maxLength": 80,
       "description": "City name; needs state."
      },
      "flag": {
       "enum": [
        "any",
        "superbill",
        "medicare_mentioned",
        "medicaid_mentioned",
        "keeps_insurance_recommended"
       ],
       "type": "string",
       "default": "any",
       "description": "Only practices whose insurance statement mentions this."
      },
      "name": {
       "type": "string",
       "maxLength": 120,
       "description": "Practice name; needs state."
      },
      "sort": {
       "enum": [
        "distance",
        "price"
       ],
       "type": "string",
       "default": "distance",
       "description": "distance = nearest first (by name for a state search). price = lowest adult monthly fee first, practices with no confirmed fee last."
      },
      "limit": {
       "type": "integer",
       "default": 10,
       "maximum": 25,
       "minimum": 1,
       "description": "Results per page, default 10, maximum 25."
      },
      "model": {
       "enum": [
        "dpc",
        "concierge",
        "membership",
        "cash_pay",
        "hybrid",
        "cash_specialist",
        "any"
       ],
       "type": "string",
       "default": "any",
       "description": "Practice model. cash_specialist means cash_pay. any includes unclear models."
      },
      "phone": {
       "type": "string",
       "maxLength": 30,
       "description": "Practice phone number."
      },
      "state": {
       "type": "string",
       "pattern": "^
… (truncated)
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "query": {
   "flag": "any",
   "sort": "distance",
   "limit": 2,
   "model": "any",
   "scope": "ZIP 66210",
   "format": "concise",
   "stance": "no_insurance_billing",
   "radius_miles": 25
  },
  "results": [
   {
    "zip": "66210",
    "city": "Overland Park",
    "name": "Freedom Pediatrics",
    "model": "dpc",
    "phone": "(913) 423-3196",
    "state": "KS",
    "hsa_fsa": {
     "note": "HSA or FSA statement: not found in our data",
     "listed": false,
     "not_found": true
    },
    "website": "https://www.freedompediatrics.com/",
    "insurance": {
     "flags": [],
     "stance": "no_insurance_billing",
     "wording": "The practice states it does not bill insurance.",
     "superbill": false,
     "checked_on": "2026-09-25",
     "statements": [
      "The doctor does not bill insurance."
     ],
     "medicaid_mentioned": false,
     "medicare_mentioned": false,
     "keeps_insurance_recommended": false
    },
    "practice_id": "freedompediatrics.com",
    "distance_miles": 0,
    "adult_monthly_usd": 140,
    "location_precision": "street",
    "adult_monthly_basis": "Lowest adult individual tier; rates may vary by age. Enrollment fee $100",
    "other_locations_count": 0
   }
  ],
  "returned": 2,
  "data_as_of": "2026-10-02",
  "disclaimer": "Prices and statements are published by the practice on its own website. Confirm with the practice before booking. This is not medical, legal, tax or insurance advice.",
  "next_cursor": "bzoy",
  "source_note": "Facts read from each practice's own website",
  "total_matches": 22
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/findmydirectdoctor-insurance-policy-directory-api-95783e32/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)