{"uid":"cap_rsw8j6CubpfK-SD1k9t6H","slug":"debtpulse-medical-bill-negotiation-41bb03e8","name":"DebtPulse Medical Bill Negotiation","description":"Global debt elimination intelligence. All endpoints require x402 payment (USDC on Base mainnet) via the PAYMENT-SIGNATURE header. Supports US, UK, Australia, and Canada jurisdictions. Add ?lang= for any language response.","url":"https://debtpulse.vercel.app/api/debt/medical","method":"GET","headers":{},"bodySchema":{"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","HEAD","DELETE"],"type":"string"},"queryParams":{"type":"object","properties":{"action":{"type":"string","description":"chapter7 | chapter13 | iva | trust-deed | sequestration | compare"},"country":{"type":"string","description":"US | UK | CA | AU | IE | ZA | NZ"}}}},"additionalProperties":false},"output":{"type":"object","required":["type"],"properties":{"type":{"type":"string"},"errors":{"type":"object","description":"Documented error responses, keyed by HTTP status code","additionalProperties":{"type":"object","required":["description"],"properties":{"example":{"type":"object"},"description":{"type":"string"}}}},"example":{"type":"object"}}}}},"responseSchema":{"type":"json","example":{"costs":"$1,500-$3,500 attorney fees","action":"chapter7","country":"US","discharge_timeline":"4-6 months","credit_impact_years":10,"means_test_threshold":56000}},"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.1","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"probe","requiresHandshake":false,"reviewCount":0,"rating":{"score":"0.00","successRate":"0.00","reviews":0,"stars":null,"state":"unrated"},"availabilityStatus":"unknown","priceObserved":null,"sessionDeposit":null,"pricing":{"kind":"static","summary":"$0.1/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.1","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.1","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_C-okuswbRHJMLmVpEYByz","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.1","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Returns charity-care options, No Surprises Act protections, itemized-bill review, and negotiation scripts for medical debt relief","exampleAgentPrompt":"I just got a $4,200 hospital bill from St. Mary's Medical Center for an ER visit and I don't have insurance — can you check if I qualify for charity care, flag any No Surprises Act violations, review the itemized charges, and give me a negotiation script to lower what I owe?","exampleUseCases":[{"title":"Challenge surprise out-of-network emergency charges","prompt":"I went to the ER at an in-network hospital but the radiologist was out-of-network and billed me $2,800 separately — can you check if this violates the No Surprises Act, review the bill for errors, and give me a script to dispute it?"},{"title":"Find financial assistance for major surgery costs","prompt":"I'm facing a $15,000 bill for cardiac surgery next month and I'm on disability — can you search for charity-care programs I might qualify for, break down the itemized charges for accuracy, and help me negotiate the cost down?"},{"title":"Dispute inflated lab and facility fees","prompt":"My COVID test cost $350 and the facility charged me $800 just for the room — that seems way overpriced compared to other clinics. Can you review my itemized bill for inflated charges and give me talking points to negotiate with billing?"}],"resultDescription":"Returns structured guidance including applicable charity-care and financial assistance programs, No Surprises Act protections and violation flags, an itemized-bill review highlighting potential errors or inflated charges, and ready-to-use negotiation scripts tailored to the patient's situation.","failureModes":["Missing or incomplete bill details may result in generic rather than tailored recommendations","Hospital or provider not recognized may limit charity-care lookup accuracy","Payment of 0.1 USDC via x402 required per call — unpaid requests return 402 error","Highly complex billing disputes may require additional manual review beyond scripted guidance"],"whenToPreferThis":"Use this endpoint when a user needs actionable, multi-angle support for a medical bill — specifically when they need charity-care lookup, No Surprises Act compliance checking, itemized-bill error detection, and negotiation scripts all in one call. Prefer this over generic debt advice endpoints when the debt is specifically medical/healthcare in nature.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-15T12:45:09.002Z","isFirstParty":false}