Nirvana Cost Estimation API

openapi: 3.0.1
info:
  title: Nirvana Coverage API
  description: >-
    Nirvana's Coverage API verifies a patient's insurance eligibility, estimates
    their financial responsibility for an appointment, identifies plan-level
    details that could lead to a denial, and recovers active insurance using only
    basic demographic information. Responses normalize complex payer data into
    structured, consistent JSON for behavioral and mental health workflows.
  termsOfService: https://www.meetnirvana.com
  contact:
    name: Nirvana Support
    url: https://www.meetnirvana.com
  version: v1
servers:
  - url: https://coverage-api.meetnirvana.com
    description: Nirvana Coverage API production server
security:
  - apiKeyHeader: []
tags:
  - name: Eligibility
    description: Active-coverage discovery and eligibility verification.
  - name: Coverage Scan
    description: Multi-payer coverage discovery.
  - name: Cost Estimation
    description: Real-time per-session patient cost estimates.
  - name: Medicaid
    description: Medicaid coverage and eligibility.
paths:
  /v1/discover:
    post:
      operationId: discover_v1_discover_post
      tags:
        - Eligibility
      summary: Discover active coverage
      description: >-
        Find active coverage and plan-level details for a patient. Supports
        Cardless Verification, recovering active coverage from only basic
        demographics when member ID or payer details are missing or incorrect.
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/CoverageRequest'
      responses:
        '200':
          description: Coverage and benefits found.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/CoverageResult'
        '400':
          $ref: '#/components/responses/BadRequest'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '422':
          $ref: '#/components/responses/UnprocessableEntity'
        '429':
          $ref: '#/components/responses/TooManyRequests'
        '500':
          $ref: '#/components/responses/ServerError'
  /v1/scan:
    post:
      operationId: scan_v1_scan_post
      tags:
        - Coverage Scan
      summary: Scan payers for active coverage
      description: >-
        Scan multiple payers to find any active coverage a patient may have when
        the payer is unknown.
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/CoverageRequest'
      responses:
        '200':
          description: Matched coverage results across scanned payers.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/CoverageResult'
        '400':
          $ref: '#/components/responses/BadRequest'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '422':
          $ref: '#/components/responses/UnprocessableEntity'
        '429':
          $ref: '#/components/responses/TooManyRequests'
        '500':
          $ref: '#/components/responses/ServerError'
  /v1/estimate:
    post:
      operationId: estimate_v1_estimate_post
      tags:
        - Cost Estimation
      summary: Estimate patient cost for a session
      description: >-
        Return a real-time cost estimate and benefit details for a patient's
        session, based on the provider's session cost, network status, and the
        patient's active benefits.
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/EstimateRequest'
      responses:
        '200':
          description: Cost estimate and benefits.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/EstimateResult'
        '400':
          $ref: '#/components/responses/BadRequest'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '422':
          $ref: '#/components/responses/UnprocessableEntity'
        '429':
          $ref: '#/components/responses/TooManyRequests'
        '500':
          $ref: '#/components/responses/ServerError'
  /v1/medicaid:
    post:
      operationId: medicaid_v1_medicaid_post
      tags:
        - Medicaid
      summary: Find Medicaid coverage
      description: >-
        Find active Medicaid coverage and Medicaid-level details for a patient.
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/MedicaidRequest'
      responses:
        '200':
          description: Medicaid coverage details.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/CoverageResult'
        '400':
          $ref: '#/components/responses/BadRequest'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '404':
          $ref: '#/components/responses/NotFound'
        '422':
          $ref: '#/components/responses/UnprocessableEntity'
        '429':
          $ref: '#/components/responses/TooManyRequests'
        '500':
          $ref: '#/components/responses/ServerError'
components:
  securitySchemes:
    apiKeyHeader:
      type: apiKey
      in: header
      name: apikey
      description: >-
        Nirvana issues an API key on request. Pass it in the `apikey` request
        header on every call. Contact Nirvana to provision a key.
  responses:
    BadRequest:
      description: Bad request.
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
    Unauthorized:
      description: Missing or invalid API key.
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
    NotFound:
      description: No matching coverage found.
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
    UnprocessableEntity:
      description: Request could not be processed (validation error).
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
    TooManyRequests:
      description: Rate limit exceeded.
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
    ServerError:
      description: Server error.
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
  schemas:
    CoverageRequest:
      type: object
      required:
        - member_first_name
        - member_last_name
        - member_dob
        - provider_npi
      properties:
        member_first_name:
          type: string
          description: Patient's first name.
        member_last_name:
          type: string
          description: Patient's last name.
        member_dob:
          type: string
          format: date
          description: Patient's date of birth (YYYY-MM-DD).
        member_id:
          type: string
          description: Member ID, when available.
        member_gender:
          type: string
          enum: [M, F]
          description: Patient gender.
        provider_npi:
          type: string
          minLength: 10
          maxLength: 10
          description: 10-digit provider National Provider Identifier.
        payer_id:
          type: string
          description: Payer identifier, when known.
        office_id:
          type: string
          description: Your office identifier.
        patient_id:
          type: string
          description: Your internal patient identifier.
        patient_state:
          type: string
          description: Patient's state of residence.
        next_appointment:
          type: string
          format: date
          description: Date of the patient's next appointment (YYYY-MM-DD).
        patient_type:
          type: string
          enum: [PROSPECT, NEW_PATIENT, EXISTING_PATIENT]
          description: Patient relationship type.
        cpt_code:
          type: string
          description: CPT procedure code for the planned service.
        modality_code:
          type: string
          default: PSY
          description: Specialty modality code (defaults to PSY for behavioral health).
        with_alerts:
          type: boolean
          default: false
          description: Include plan-level denial-risk alerts in the response.
    EstimateRequest:
      allOf:
        - $ref: '#/components/schemas/CoverageRequest'
        - type: object
          properties:
            provider_session_cost:
              type: number
              format: float
              description: Provider's cash/contract cost for the session, used to compute patient responsibility.
            in_network:
              type: boolean
              description: Whether the provider is in network with the patient's plan.
    MedicaidRequest:
      $ref: '#/components/schemas/CoverageRequest'
    CoverageResult:
      type: object
      properties:
        coverage_status:
          type: string
          description: Active or inactive coverage status for the patient.
        payer_name:
          type: string
          description: Normalized payer name.
        plan_name:
          type: string
          description: Normalized plan name.
        benefits:
          $ref: '#/components/schemas/Benefits'
        alerts:
          type: array
          description: Plan-level alerts that could lead to a denial.
          items:
            type: string
    EstimateResult:
      type: object
      properties:
        coverage_status:
          type: string
          description: Active or inactive coverage status.
        patient_responsibility:
          type: number
          format: float
          description: Estimated amount the patient will owe for the session.
        benefits:
          $ref: '#/components/schemas/Benefits'
    Benefits:
      type: object
      description: Payer-normalized, specialty-specific benefit details.
      properties:
        copay:
          type: number
          format: float
          description: Patient copay for the service.
        coinsurance:
          type: number
          format: float
          description: Patient coinsurance percentage.
        deductible:
          type: number
          format: float
          description: Plan deductible amount.
        remaining_deductible:
          type: number
          format: float
          description: Deductible remaining to be met.
        out_of_pocket_max:
          type: number
          format: float
          description: Plan out-of-pocket maximum.
        remaining_out_of_pocket:
          type: number
          format: float
          description: Out-of-pocket maximum remaining.
        session_limit:
          type: integer
          description: Number of covered sessions per benefit period, when applicable.
        prior_authorization_required:
          type: boolean
          description: Whether prior authorization is required for the service.
        telehealth_covered:
          type: boolean
          description: Whether telehealth is covered under the plan.
    Error:
      type: object
      properties:
        error:
          type: string
          description: Machine-readable error code for error-handling logic.
        message:
          type: string
          description: Human-readable message for troubleshooting and debugging.
        errors:
          type: array
          description: Field-level validation errors, when present.
          items:
            type: string