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Two lanes. Do not mix them. Facts extracted from an upload stay on that document. They do not become United or Anthem coverage in the public lookup.
Schema for these routes is in API Reference → Your documents. A kp_test_ key on sandbox can call them so you can see a live response. Sandbox posted-payer inventory is a sample — see Payer policies. Do not send PHI on a test key.

What exists today (use this first)

Before asking for more payers, exercise what already returns cited rows: Empty is the contract. Do not treat a Medicare row as a commercial answer. The website Payer Intelligence tool is the your folder lane: upload → parse → folder tree → cited ask.

Parse

POST /v1/policy/parse — multipart file (preferred) or JSON bytes_b64. Files ≥ 2 MB return 202 + job_id. Poll GET /v1/policy/parse/{job_id} with the same key.

Structure (folder tree)

After parse, POST /v1/policy/structure builds a cached tree (reimbursement, coding, prior auth, …). Leaves cite source pages. rebuild: true recomputes.
GET /v1/policy/structure/sample-pa-packet with the same key returns the cache. built_with is deterministic or an LLM model id when enrichment is configured. Deterministic is enough for a folder UI. Field list: API Reference. The live object is whatever the API stored for that document — we do not invent a sample tree.

Ask (cited Q&A)

POST /v1/policy/retrieve ranks chunks for a question. The website ask path uses that retrieve step, then only shows excerpt-backed claims.
Response is ranked chunks (text, page_start / page_end, query_score) — not a generated answer. Full field list: API Reference. Do not send upload text into GET /v1/policies.

Findings (later)

POST /v1/policy/findings diffs extracted facts against our L4 payer rules. user_findings are safe to show; admin_findings and GET /v1/policy/enrichment-candidates are operator-only. Use after you have real documents in the folder — not as the first integration.

Auth

Playground does not upload PDFs — it is for posted lookups. Schema for this lane is in API Reference regardless. Keys minted before this surface shipped need a remint (allowlist is stored at mint time). Free quota still applies. Text-layer PDFs only; no PHI on test keys. POST /v1/policy/findings and GET /v1/policy/enrichment-candidates stay on X-Admin-Secret (operator). See authentication and test mode.