Is a named provider or facility in-network, and what do they charge for a service
Whether a specific provider or facility is in-network for the plan, and optionally what they charge for a service. Call this FIRST for any named clinic, brand, facility, or provider: the billing-entity fork (same visit, very different rates by contracting entity) only surfaces here. Anonymous limit: 20 requests per minute per IP (name search is the expensive path).
Authorizations
Optional. An Arlo account token adds linked-coverage plan matching and family-member patientId. Anonymous calls resolve the plan from planHints only.
Body
Whether a specific provider or facility is in-network for the plan, and optionally what they charge for a service. Call this FIRST for any named clinic, brand, facility, or provider: the billing-entity fork (same visit, very different rates by contracting entity) only surfaces here.
Provider or facility name. Consumer brand names work (matched against NPPES doing-business-as records too). City or ZIP helps disambiguate.
10-digit NPI if known. Never required.
Optional. CPT/HCPCS code from the supported catalog (GET /api/pricing.v1/catalog). There is no free-text service input: the caller selects the code, because codes carry patient facts the server cannot infer (screening vs diagnostic intent, age band, new vs established patient, body part, contrast, duration). An unknown code returns 200 with needsMoreInfo plus the full supportedServices catalog. With a code, each match carries its contracted rate under the plan.
Max matches (default 50, max 100). Large systems bill under many NPIs whose network status and rates differ; the breadth is the signal.
Preferred when available. Pair with longitude.
5-digit US ZIP when coordinates are unavailable.
Insurance identifiers from the patient. For anonymous calls this is the ONLY plan input: pass at least payerName (see GET /api/pricing.v1/payers for accepted names). employerName / planName upgrade range estimates to the exact plan's rates when they match a published plan; Group # is only matched for Blue Cross Blue Shield of IL/TX/OK/NM/MT (HCSC). Set unavailable=true when the patient cannot provide identifiers, which suppresses further asks and keeps range-based estimates.
Family-member patient id on the caller's account. Authenticated calls only: anonymous calls that pass it receive a needsMoreInfo 'auth' ask.
Response
Matches with network status, rates, and billing-entity candidates.
Echo of the resolved service. VERIFY appliesTo against the actual patient before relaying any number.
Full pricing catalog, returned when the service could not be resolved. Pick the right code and re-call.
Whether the ZIP/coordinates passed were consumed. Only re-ask the patient for location when applied=false.
What the estimate is based on. Always read matchTier and basis before relaying numbers.
true when exactly one match carries evidence signals (a UI may render an evidence card).
Asks to relay to the patient. Answering them improves the estimate (ranges become the plan's exact rates). Each ask names the field, why it matters, and how to obtain it.
ALWAYS convey to the patient: estimates come from the insurer's published data and are not a price guarantee.