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Saylor Innovations Insurance Deductible Cost-Share Calculator
x402
Saylor Innovations Insurance Deductible Cost-Share Calculator is a paid API for AI agents from saylorinnovations.com, paid per call via x402, $0.01/call, status unknown (last checked 2026-10-17).
Calculates member cost and plan cost from an allowed/negotiated amount, deductible remaining, and coinsurance percentage for health insurance claims
Price / call$0.01
Success—
StatusUnknown
How this service works
Insurance deductible cost-share calculator - member cost and plan cost from allowed amount and coinsurance
Output
A JSON object containing the original inputs echoed back (allowed_amount, deductible_remaining, coinsurance_percent), plus the computed deductible_applied, coinsurance_amount, estimated_member_cost, estimated_plan_cost, out_of_pocket_remaining, the formula used for the calculation, and a scope_note explaining what the estimate covers and excludes.
Example use cases
Patient out-of-pocket estimate before procedure
“I'm having an outpatient procedure with a negotiated allowed amount of $1,200. I still have $400 left on my deductible and my plan's coinsurance is 30%. Can you tell me how much I'll need to pay out of pocket and how much my insurance will cover?”
Benefits advisor explaining member cost share
“A member is asking about a $650 allowed amount claim. They have $0 deductible remaining and their coinsurance is 20%. Break down the estimated member cost and what the plan will pay.”
HR tool calculating employee cost for annual enrollment
“For our enrollment comparison tool, calculate the cost share on a $500 allowed amount with $150 deductible remaining and 10% coinsurance so we can show employees their estimated out-of-pocket cost.”
Technical details
Endpoint
GEThttps://saylorinnovations.com/api/insurance/deductible?utm_source=zero.xyzWhen to prefer
Choose this endpoint when you need a quick, single-claim insurance cost-share breakdown — splitting an allowed/negotiated amount into member and plan portions accounting for deductible and coinsurance. It is ideal for patient-facing cost estimators, benefits advisors, HR tools, or any agent that needs to explain healthcare cost-sharing in real time. It does not model out-of-pocket maximums exhaustively or handle capitation/bundled payments.
Side effects
- Missing required query parameters (allowed_amount, deductible_remaining, or coinsurance_percent) returns an error
- Non-numeric or negative values for allowed_amount may cause validation errors
- coinsurance_percent outside the 0-100 range may return an error or unexpected results
- Negative deductible_remaining values rejected as invalid
- Payment failure or missing x402 payment header returns 402 Payment Required
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| inputrequired | object | |
| output | object |
Tags
x402
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