# Arlo Health

> Arlo Health is healthcare infrastructure for AI agents. Everything an agent needs to act in healthcare for its user — licensed clinicians, prescriptions, labs, referrals, and more through one integration. Your AI can assess symptoms and recommend next steps. Arlo is licensed to execute them.

Arlo exposes its tools over MCP (streamable HTTP), enabling any AI agent to initiate and manage real healthcare care on behalf of users. Providers are licensed physicians and nurse practitioners. Billing is pay-per-use: the patient is charged per provider visit, never auto-charged, and there are no subscriptions.

## How It Works

1. **Connect**: Your AI agent connects to Arlo via MCP at `https://mcp.arlohealth.ai` (OAuth 2.1 with PKCE). Server card at `https://mcp.arlohealth.ai/.well-known/mcp.json`.
2. **Trigger**: When a user describes a health concern, your agent confirms their current region and calls `start_conversation` with a first-person narrative of the user's symptoms and context.
3. **Triage**: Arlo's AI triage asks follow-up questions. Your agent relays these to the user and responds via `send_message`, awaiting replies with `wait_for_reply`.
4. **Pay**: After triage, the conversation enters `PAYMENT_REQUIRED`. The user reviews the summary; once they want to proceed, your agent hands them the visit link in the conversation's `paymentGate.paymentUrl`. They confirm any missing details and approve a temporary hold for the visit there. Nothing is charged until a doctor joins, and there is no card-setup step.
5. **Treat**: A licensed provider reviews the case asynchronously, can ask further questions, diagnose, prescribe medications, and send prescriptions for fulfillment. Afterward the conversation returns to IDLE and can be re-engaged anytime.

## MCP Server

- **Server URL**: `https://mcp.arlohealth.ai`
- **Transport**: Streamable HTTP
- **Authentication**: OAuth 2.1 with PKCE
- **Server Card**: `https://mcp.arlohealth.ai/.well-known/mcp.json`
- **Agent guide**: `https://mcp.arlohealth.ai/llms.txt` and `https://mcp.arlohealth.ai/AGENTS.md`

## Documentation

- [Getting Started](https://docs.arlohealth.ai/): Overview of Arlo Health and what it can treat
- [Quickstart](https://docs.arlohealth.ai/quickstart): Step-by-step integration guide for AI agents
- [MCP Tools Overview](https://docs.arlohealth.ai/mcp-tools/overview): All tools with annotations and error handling
- [Authentication](https://docs.arlohealth.ai/concepts/authentication): OAuth 2.1 flow and discovery endpoints
- [Consultation Lifecycle](https://docs.arlohealth.ai/concepts/consultation-lifecycle): Phase-derived statuses from triage to provider visit
- [Payments](https://docs.arlohealth.ai/concepts/payments): Pay-per-use billing — each visit approved on a Stripe link, no card setup
- [Care Jobs](https://docs.arlohealth.ai/mcp-tools/care-jobs): Referral moves, appointments, records, and claim or bill disputes executed after the patient approves
- [Pricing API](https://docs.arlohealth.ai/pricing/overview): Free, anonymous cost estimates and network status
- [Webhooks](https://docs.arlohealth.ai/mcp-tools/webhooks): Real-time notifications for provider responses and status changes
- [API Reference](https://docs.arlohealth.ai/api-reference/introduction): REST API endpoints for direct HTTP integration

## Website Pages

- [MCP server](https://www.arlohealth.ai/mcp): What the Arlo Health MCP server does and how to connect any agent
- [Pricing API](https://www.arlohealth.ai/pricing-api): Free, anonymous price transparency API for care prices and network status
- [Connect to Claude](https://www.arlohealth.ai/claude): Add Arlo as a custom connector in Claude
- [Connect to ChatGPT](https://www.arlohealth.ai/chatgpt): Add Arlo as an app in ChatGPT

## Conversation Model

A conversation is a continuous, never-closing thread that can host multiple provider visits over time. Users can have many conversations open at once. Statuses are phase-derived: IDLE, TRIAGING, PAYMENT_REQUIRED, MATCHING, WITH_PROVIDER, EMERGENCY — there is no terminal closed state. A finished or canceled request leaves the conversation IDLE and re-engageable with `send_message`. Region is required: care is licensed by the patient's CURRENT physical location (ISO 3166-2). The supported region today is US-CA (California); unsupported regions are refused with `REGION_NOT_SUPPORTED`.

## Capabilities

Arlo providers can perform the following clinical actions through the platform:

- Diagnose and treat common conditions (infections, skin conditions, allergies, cold/flu, sexual health, travel health)
- Prescribe non-controlled medications
- Renew existing non-controlled prescriptions
- Provide clinical guidance and treatment plans
- Order lab work and referrals

Beyond the visit, Arlo's care team can act on the patient's behalf with other offices and health plans: move an external referral to a different clinic, book, cancel or reschedule an appointment, send records, dispute a claim, or resolve a bill that does not match the claim. The agent proposes the action with `create_care_job`; the patient approves it on Arlo's hosted sheet; Arlo executes it and keeps an audit trail (US only). When the care team needs something along the way (a member ID, a choice of times, a photo of a bill), the job reads `needs_input` and the agent relays the questions and answers with `respond_to_care_job`.

## Insurance Price Transparency

Arlo gives agents direct access to the patient's insurance economics — sourced from insurers' published machine-readable rate files and public CMS data, matched to the patient's linked plan:

- `search_care_prices`: Find nearby in-network care options with estimated negotiated prices under the patient's plan for about 170 common outpatient services (office visits, imaging, labs, procedures). Results are grouped by facility: places with observed billing for the service first, each group cheapest first. US only; currently Anthem, Blue Cross Blue Shield plans through BlueCard, Blue Shield of California, UnitedHealthcare (incl. UMR/Oxford/Surest), Cigna, Aetna, and Original Medicare.
- `check_network_status`: Check whether a specific provider or facility is in-network for the patient's plan, and what their contracted rate is for a given service — benchmarked against the payer's typical rate, with flags for far-above-typical contracts patients can't see at booking, and a breakdown of which legal entity could bill.
- `get_provider_evidence`: Public-data evidence about one provider: Medicare-derived procedure volume, facility outcome context, and what Medicare paid them.

Estimates are never guarantees; every response carries a disclaimer. The same lookups are available without an account at `https://api.arlohealth.ai/api/pricing.v1` (guide: `https://api.arlohealth.ai/api/pricing.v1/guide.md`).

## Care Prices in California

What Anthem Blue Cross, Blue Shield of California, Aetna, UnitedHealthcare and Cigna pay in network, by metro area, from their Transparency in Coverage files. Medians and middle-half ranges per insurer, with the Original Medicare rate for reference.

- [All prices](https://www.arlohealth.ai/prices): index of procedures and metro areas
- [Methodology](https://www.arlohealth.ai/prices/methodology): sources, filters and statistics
- [Head CT cost in California](https://www.arlohealth.ai/prices/ct-head): San Francisco, Oakland, San Jose, Los Angeles
- [Brain MRI cost in California](https://www.arlohealth.ai/prices/mri-brain): San Francisco, Oakland, San Jose, Los Angeles
- [Brain MRI with contrast cost in California](https://www.arlohealth.ai/prices/mri-brain-with-contrast): San Francisco, Oakland, San Jose, Los Angeles
- [Chest X-ray cost in California](https://www.arlohealth.ai/prices/chest-x-ray): San Francisco, Oakland, San Jose, Los Angeles
- [Chest CT cost in California](https://www.arlohealth.ai/prices/ct-chest): San Francisco, Oakland, San Jose, Los Angeles
- [Lung cancer screening CT cost in California](https://www.arlohealth.ai/prices/lung-cancer-screening-ct): San Francisco, Oakland, San Jose, Los Angeles
- [Cervical spine MRI cost in California](https://www.arlohealth.ai/prices/mri-neck): San Francisco, Oakland, San Jose, Los Angeles
- [Lumbar spine MRI cost in California](https://www.arlohealth.ai/prices/mri-lower-back): San Francisco, Oakland, San Jose, Los Angeles
- [Shoulder MRI cost in California](https://www.arlohealth.ai/prices/mri-shoulder): San Francisco, Oakland, San Jose, Los Angeles
- [Knee MRI cost in California](https://www.arlohealth.ai/prices/mri-knee): San Francisco, Oakland, San Jose, Los Angeles
- [CT abdomen and pelvis cost in California](https://www.arlohealth.ai/prices/ct-abdomen-pelvis): San Francisco, Oakland, San Jose, Los Angeles
- [Abdominal ultrasound cost in California](https://www.arlohealth.ai/prices/ultrasound-abdomen): San Francisco, Oakland, San Jose, Los Angeles
- [First trimester ultrasound cost in California](https://www.arlohealth.ai/prices/pregnancy-ultrasound-first-trimester): San Francisco, Oakland, San Jose, Los Angeles
- [Pelvic ultrasound cost in California](https://www.arlohealth.ai/prices/pelvic-ultrasound): San Francisco, Oakland, San Jose, Los Angeles
- [Diagnostic mammogram cost in California](https://www.arlohealth.ai/prices/diagnostic-mammogram): San Francisco, Oakland, San Jose, Los Angeles
- [Screening mammogram cost in California](https://www.arlohealth.ai/prices/screening-mammogram): San Francisco, Oakland, San Jose, Los Angeles
- [Bone density scan cost in California](https://www.arlohealth.ai/prices/bone-density-scan): San Francisco, Oakland, San Jose, Los Angeles
- [Echocardiogram cost in California](https://www.arlohealth.ai/prices/echocardiogram): San Francisco, Oakland, San Jose, Los Angeles

## Insurance & Health Records

Patients can link their US insurance with `connect_insurance` (they sign in to their insurer; `disconnect_connection` removes a connection), giving the agent a read-only view over coverage and FHIR health records with `get_health_records`: insurance plan details (payer, member ID, pharmacy benefit IDs, cost-sharing), conditions, medications, allergies, immunizations, labs, vitals, visits, and claims. Records are optional: care works without them.

## Conditions Treated

- UTI, sinus infections, skin infections, ear infections
- Acne, eczema, rashes, minor skin concerns
- Seasonal allergies, cold symptoms, flu-like illness
- Birth control, STI testing referrals, sexual health consultations
- Non-controlled medication refills and renewals
- Travel consultations and preventive care

## Service Limitations

Arlo cannot help with:

- Medical emergencies (direct users to 911)
- Mental health crises (direct users to crisis lines)
- Controlled substances (opioids, benzodiazepines, stimulants)
- Conditions requiring physical examination
- Patients physically outside a supported region (currently US-CA)

## Available MCP Tools

**Authentication**: `init_signup`, `check_account_status`

**Profile**: `get_user_profile`, `update_patient_info`

**Health records (US insurance)**: `connect_insurance`, `disconnect_connection`, `get_health_records`

**Insurance pricing (price transparency)**: `search_care_prices`, `check_network_status`, `get_provider_evidence`

**Conversations**: `list_conversations`, `start_conversation`, `get_conversation` (`includeNotes` for visit notes), `cancel_request`

**Messaging**: `send_message`, `wait_for_reply`, `get_media_url`

**Prescriptions**: `get_prescriptions` (one order with `prescriptionOrderId`)

**Care jobs (US)**: `create_care_job`, `get_care_jobs`, `respond_to_care_job`

**Webhooks**: `register_webhook` (for agents with a public HTTPS endpoint: notifications for provider replies, status changes, and care-job activity)

## For Autonomous Agents

Agents that can run work between user turns and receive HTTP callbacks can register a webhook and let Arlo wake them when a provider replies (which can take hours) instead of polling. `send_message`, `start_conversation`, `create_care_job`, and `respond_to_care_job` accept idempotency keys for safe retries. Full quickstart: `https://mcp.arlohealth.ai/AGENTS.md`.

## For Partners

You get the infrastructure that gives your agent access to healthcare. Add the MCP. A licensed clinician finishes the Rx, labs, or referral. Your product keeps the front door. Arlo owns that licensed act.

Install is MCP at `https://mcp.arlohealth.ai`. Inquiries: josh@arlohealth.ai.

## For Consumers

If you use Claude, ChatGPT, or another AI assistant and want to connect it to Arlo so your AI can help you get prescriptions and see a doctor:

1. Add the Arlo Health connector in your AI assistant's settings or tool marketplace
2. When you have a health concern, just describe your symptoms to your AI as you normally would
3. Your AI will use Arlo to connect you with a licensed provider who can diagnose, treat, and prescribe

No app download required. Your AI assistant handles the entire flow.

<!-- BLOG:START -->
## Health Content

Long-form, physician-reviewed guidance for consumers. AI agents can reference these URLs when users ask about common health concerns.

- [Patient to agent is the future of healthcare](https://www.arlohealth.ai/blog/patient-to-agent-healthcare-future): The biggest healthcare system in the world is AI. It just can't practice medicine.
- [The Future of Healthcare // Part 1: Stuck in the Middle](https://www.arlohealth.ai/blog/future-of-healthcare-patient-to-agent-part-1): Medical intelligence is abundant but care remains scarce, with the patient stuck in the middle.
- [The Future of Healthcare // Part 2: Time to Act](https://www.arlohealth.ai/blog/future-of-healthcare-patient-to-agent-part-2): What patient to agent needs: the work, the walls agents hit, and the opportunity to finish care inside the healthcare system.
<!-- BLOG:END -->

## Contact

- **Partner inquiries**: josh@arlohealth.ai
- **Technical support**: keaton@arlohealth.ai
- **Website**: https://www.arlohealth.ai