# FindMyDirectDoctor Medical Bill Help API

> FindMyDirectDoctor Medical Bill Help 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 step-by-step checklists, word-for-word phone scripts, and consumer rights information for navigating medical bills, organized by topic

## Facts

- Endpoint: GET https://api.findmydirectdoctor.com/v1/bills/help?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-medical-bill-help-api-77959382
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_X5vBREQFyct7rB1B8qakX

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-medical-bill-help-api-77959382
```

Example prompt: Can you pull up the word-for-word phone scripts for negotiating a payment plan on a medical bill? I need to know exactly what to say when I call the hospital billing department.

## When to prefer this

Choose this endpoint when a user needs structured, actionable guidance on medical billing — particularly step-by-step checklists, ready-to-use phone scripts, or citations of consumer rights — sourced from physician-reviewed published guides. Prefer this over generic search when the user needs reliable, curated content on US medical billing topics rather than raw web results or legal advice.

## Known failure modes

- Missing required 'topic' query parameter returns an error
- Unrecognized topic value may return no matching content
- Invalid 'part' enum value (not checklist/scripts/rights) returns validation error
- Some topics only have certain parts (e.g. no scripts for statute-of-limitations), so requesting an unavailable part returns empty or partial results
- Network or payment authorization failure returns 402 or 5xx

## How this service works

Help with a medical bill: step-by-step checklists (itemized bill, negotiation, financial assistance, payment plan, collections, credit report, good faith estimate), word-for-word phone scripts for the call, and the consumer rights the guides quote (emergency care, price transparency, No Surprises Help Desk). Quoted from 14 published guides. Plain information, not legal advice.

## Output

A JSON object containing the requested topic's content — which may include a checklist of steps with deadlines and amounts, word-for-word phone script lines grouped by guide section, or quoted consumer rights statements — along with metadata such as guide URL, last reviewed date, source credit, and a disclaimer that the content is general information, not legal advice.

## 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": {
      "part": {
       "enum": [
        "checklist",
        "scripts",
        "rights"
       ],
       "type": "string",
       "description": "Only this part. Leave out to get every part that exists for the topic."
      },
      "topic": {
       "type": "string",
       "maxLength": 120,
       "minLength": 1,
       "description": "The bill topic. Checklists: help-overview, itemized-bill, negotiate, financial-assistance, payment-plan, collections, credit-report, unpaid-bills, statute-of-limitations, tax-deduction, billing-advocate, debt-relief, good-faith-estimate, ask-cash-price. Scripts: itemized-bill, financial-assistance, self-pay-discount, payment-plan, cash-price-first-visit, cash-price-visit-plus-test, ask-for-help, billing-advocate, sliding-scale, dpc-practice-questions. Rights: emergency-care, good-faith-estimate, hospital-financial-assistance-law, price-transparency, no-surprises-help-desk, insurance-mandate, debt-collection, medicaid-retroactive-coverage. Plain words also work for checklists."
      }
     }
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object",
     "required": [
      "query",
      "parts_returned",
      "guide_url",
      "last_reviewed",
      "credit",
      "data_as_of"
     ],
     "properties": {
      "query": {
       "type": "object",
       "description": "The request as understood."
      },
      "credit": {
       "type": "string",
       "description": "Physician-reviewed, FindMyDirectDoctor Foundation"
      },
      "rights": {
       "type": "object",
       "description": "Quoted sentences about one consumer right, each with its guide."
      },
      "source": {
       "type": "string"
      },
      "scripts": {
       "type": "object",
       "description": "Word-for-word lines grouped by guide section."
      },
      "checklist": {
       "type": "object",
     
… (truncated)
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "query": {
   "part": "scripts",
   "topic": "payment-plan"
  },
  "credit": "Physician-reviewed, FindMyDirectDoctor Foundation",
  "source": "FindMyDirectDoctor Foundation guides (findmydirectdoctor.org/guides)",
  "scripts": {
   "note": "Word-for-word lines quoted from the guides. They are examples of what to say, not a legal instruction.",
   "purpose": "payment-plan",
   "scripts": [
    {
     "guide": {
      "url": "https://findmydirectdoctor.org/guides/negotiate-medical-bills/",
      "slug": "negotiate-medical-bills",
      "title": "How to negotiate a medical bill (even without insurance)",
      "last_reviewed": "2026-10-10"
     },
     "lines": [
      "\"Can I set up a payment plan with no interest?\"",
      "\"What is the lowest monthly payment that you can accept?\""
     ],
     "section": "Step 5. Ask about a payment plan",
     "line_count": 4
    }
   ]
  },
  "guide_url": "https://findmydirectdoctor.org/guides/negotiate-medical-bills/",
  "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",
  "parts_returned": [
   "scripts"
  ]
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/findmydirectdoctor-medical-bill-help-api-77959382/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)