Point-of-Booking Eligibility API: Included with VOB Desk, 200 Checks per Practice, then $0.35 / Check
Real-time verification of coverage, copay and deductible while the patient books, under a signed BAA.
High-deductible health plans (HDHPs) have made patient point-of-service collections critical to practice solvency. When patients arrive without knowing their deductible or having an inactive insurance policy, front desks either face uncomfortable financial arguments or end up writing off uncollectible debt. TravaLabs integrates real-time EDI 270/271 eligibility APIs directly into the online appointment checkout flow. Usually within a few seconds of entering insurance details, our system returns active policy status, copay amount, remaining deductible, and coverage rules under a signed Business Associate Agreement.
Key results
- $0 — Setup fee
- 200 — Checks per practice included, then $0.35 each
- 1–3 s — Typical check time (measured)
- Real-time — Coverage and patient responsibility
Core capabilities
- Real-Time 270/271 Lookup — Checks through the Stedi clearinghouse, whose network answers real-time checks for 1,100+ payers, and returns coverage status and plan details, typically in 1–3 seconds.
- Clear Point-of-Booking Copay Display — Translates messy insurance benefit tables into clear, simple language for patients: "Your Specialist Copay for this visit is $40."
- Remaining Deductible Alerts — Alerts both the patient and the clinic if the annual deductible has not been met, allowing upfront financial counseling before treatment.
- Insurance Card Photo (coming) — A photo of the insurance card at booking is on the roadmap; today patients type the member ID from their card.
Deployment roadmap
- Day 1–5: Gateway Provisioning & Payer Routing Configuration — Provision enterprise API gateway credentials and configure payer routing matrices covering commercial carriers and regional Blue Cross plans.
- Day 6–12: UI / UX Widget Integration — Embed the booking form with its insurance step on the practice website and Google profile.
- Day 13–18: Benefit Rules Calibration & Dry Runs — Validate copay and deductible extraction logic against 100 historical practice insurance cards across top 5 payers.
- Day 19–21: Production Go-Live & Staff Briefing — Activate real-time verification in production and brief front-desk staff on interpreting the automated copay dashboard.
Frequently asked questions
Which insurance payers are supported by this API?
Our gateway connects to over 1,000 payers nationwide, including Blue Cross Blue Shield (all state plans), UnitedHealthcare, Aetna, Cigna, Humana, Medicare, and regional commercial plans.
What happens if a payer website is temporarily down or non-responsive?
If a payer fails to respond within 3 seconds, the system gracefully falls back to queuing the verification in the background and flags the front desk to re-verify upon patient arrival.