[Step 1 of cost_check]
Returns the cost-estimate tool URL pre-filled with the user's insurance + service if provided, plus the general copay range. The tool URL is a hand-off — the user verifies their plan there for an exact copay.
Use when: The user asks "how much does therapy cost?" / "is X insurance covered?" / "what's my copay?" — return both the general range AND the deep-link.
Don't use when: The user wants to find a provider — use find_provider (which already filters by accepted insurance).
Example: get_cost_estimate({ insurance: 'Aetna', service: '354092' })
Connector