# payer-api-directory
Free MCP directory of US medical clearinghouse / payer APIs (Availity, Optum, Waystar, Stedi, pVerify, Office Ally, Claim.MD): what each does, dated pricing signals, access requirements, and a transparent recommender.

This is an INDEPENDENT transparency directory. Pricing is dated and confidence-tagged:
  published = vendor's own public page; reported = third-party/forum estimate; none = no public price found.
We never invent numbers. Last verified 2026-06-22.

## MCP endpoint (free, no key)
https://clearinghouse.dropwatchhq.com/mcp  (JSON-RPC 2.0, streamable-http)
Tools:
- list_clearinghouses: List all vendors with access model + whether pricing is public.
- get_clearinghouse: Full dated, confidence-tagged record for one vendor.
- vendors_by_function: Which vendors support a given X12 function.
- recommend_clearinghouse: Transparently ranked shortlist for a practice.

## Vendors
- Availity (availity) — sales-gated — https://clearinghouse.dropwatchhq.com/clearinghouse/availity
- Optum (Change Healthcare) (optum-change-healthcare) — sales-gated — https://clearinghouse.dropwatchhq.com/clearinghouse/optum-change-healthcare
- Waystar (waystar) — sales-gated — https://clearinghouse.dropwatchhq.com/clearinghouse/waystar
- TriZetto Provider Solutions (trizetto) — sales-gated — https://clearinghouse.dropwatchhq.com/clearinghouse/trizetto
- pVerify (pverify) — API-first — https://clearinghouse.dropwatchhq.com/clearinghouse/pverify
- Office Ally (office-ally) — sales-gated — https://clearinghouse.dropwatchhq.com/clearinghouse/office-ally
- Claim.MD (claim-md) — API-first — https://clearinghouse.dropwatchhq.com/clearinghouse/claim-md
- Stedi (stedi) — API-first — https://clearinghouse.dropwatchhq.com/clearinghouse/stedi

## Paid
https://clearinghouse.dropwatchhq.com/pricing — $49 one-time "which clearinghouse for my practice" report.