KeepMD EOB Decoder

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Explains codes, insurance terms and math on a medical Explanation of Benefits or bill. Read-only.

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{
  "_meta": {
    "io.modelcontextprotocol.registry/official": {
      "status": "active",
      "isLatest": true,
      "updatedAt": "2026-11-04T15:40:19.563922Z",
      "publishedAt": "2026-11-04T15:40:19.563922Z",
      "statusChangedAt": "2026-11-04T15:40:19.563922Z"
    }
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  "server": {
    "name": "org.keepmd/eob-decoder",
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        "src": "https://raw.githubusercontent.com/keepmd-medical/keepmd-eob-decoder-mcp/main/assets/logo.png",
        "sizes": [
          "512x512"
        ],
        "mimeType": "image/png"
      }
    ],
    "title": "KeepMD EOB Decoder",
    "$schema": "https://static.modelcontextprotocol.io/schemas/2025-12-11/server.schema.json",
    "remotes": [
      {
        "url": "https://mcp.keepmd.org/eob",
        "type": "streamable-http"
      }
    ],
    "version": "0.1.0",
    "repository": {
      "url": "https://github.com/keepmd-medical/keepmd-eob-decoder-mcp",
      "source": "github"
    },
    "websiteUrl": "https://keepmd.org/eob-decoder/mcp/",
    "description": "Explains codes, insurance terms and math on a medical Explanation of Benefits or bill. Read-only."
  }
}

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Call this server's tools from your browser. Nothing to install.

https://mcp.keepmd.org/eob

Requests go through mcptry because browsers can't call most MCP servers directly. Header values are sent to the server for that request only and are never stored or logged.

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check_eob_math Read-only

Recomputes one EOB line or claim total from the printed amounts (billed, allowed, plan paid, deductible, copay, coinsurance, non-covered, patient responsibility) and reports the contractual adjustment, the expected patient responsibility and plan payment, and any discrepancy such as a balance bill or a mismatched total. Use it when a user gives EOB or bill amounts and asks whether what they owe is right; it returns an itemized, exact calculation with stated assumptions. Pure arithmetic; takes dollar amounts only, never names or identifiers.

copaynumber

Copay amount.

billednumber

Provider's billed charge for the line or claim.

allowednumber

Plan's allowed, approved or eligible amount.

plan_paidnumber

Amount the plan paid.

deductiblenumber

Amount applied to the deductible.

in_networkboolean

false for an out-of-network claim. Defaults to true.

non_coverednumber

Non-covered amount the statement assigns to the patient (PR group), if any.

coinsurance_ratenumber

Coinsurance percentage, for example 20 or 0.2, if the dollar amount is not printed.

coinsurance_amountnumber

Coinsurance in dollars, if printed.

patient_responsibilitynumber

Total the statement says the patient owes.

Try it

Call this server's tools from your browser. Nothing to install.

https://mcp.keepmd.org/eob

Requests go through mcptry because browsers can't call most MCP servers directly. Header values are sent to the server for that request only and are never stored or logged.

Tool list from our last check. Connect live to refresh it.

check_eob_math Read-only

copaynumber

Copay amount.

billednumber

Provider's billed charge for the line or claim.

allowednumber

Plan's allowed, approved or eligible amount.

plan_paidnumber

Amount the plan paid.

deductiblenumber

Amount applied to the deductible.

in_networkboolean

false for an out-of-network claim. Defaults to true.

non_coverednumber

Non-covered amount the statement assigns to the patient (PR group), if any.

coinsurance_ratenumber

Coinsurance percentage, for example 20 or 0.2, if the dollar amount is not printed.

coinsurance_amountnumber

Coinsurance in dollars, if printed.

patient_responsibilitynumber

Total the statement says the patient owes.

Tools (5)

check_eob_math

read-only

Argument	Type	Description
copay	number	Copay amount.
billed	number	Provider's billed charge for the line or claim.
allowed	number	Plan's allowed, approved or eligible amount.
plan_paid	number	Amount the plan paid.
deductible	number	Amount applied to the deductible.
in_network	boolean	false for an out-of-network claim. Defaults to true.
non_covered	number	Non-covered amount the statement assigns to the patient (PR group), if any.
coinsurance_rate	number	Coinsurance percentage, for example 20 or 0.2, if the dollar amount is not printed.
coinsurance_amount	number	Coinsurance in dollars, if printed.
patient_responsibility	number	Total the statement says the patient owes.

Input schema (JSON)

{
  "type": "object",
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "properties": {
    "copay": {
      "type": "number",
      "maximum": 10000000,
      "minimum": 0,
      "description": "Copay amount."
    },
    "billed": {
      "type": "number",
      "maximum": 10000000,
      "minimum": 0,
      "description": "Provider's billed charge for the line or claim."
    },
    "allowed": {
      "type": "number",
      "maximum": 10000000,
      "minimum": 0,
      "description": "Plan's allowed, approved or eligible amount."
    },
    "plan_paid": {
      "type": "number",
      "maximum": 10000000,
      "minimum": 0,
      "description": "Amount the plan paid."
    },
    "deductible": {
      "type": "number",
      "maximum": 10000000,
      "minimum": 0,
      "description": "Amount applied to the deductible."
    },
    "in_network": {
      "type": "boolean",
      "description": "false for an out-of-network claim. Defaults to true."
    },
    "non_covered": {
      "type": "number",
      "maximum": 10000000,
      "minimum": 0,
      "description": "Non-covered amount the statement assigns to the patient (PR group), if any."
    },
    "coinsurance_rate": {
      "type": "number",
      "maximum": 100,
      "minimum": 0,
      "description": "Coinsurance percentage, for example 20 or 0.2, if the dollar amount is not printed."
    },
    "coinsurance_amount": {
      "type": "number",
      "maximum": 10000000,
      "minimum": 0,
      "description": "Coinsurance in dollars, if printed."
    },
    "patient_responsibility": {
      "type": "number",
      "maximum": 10000000,
      "minimum": 0,
      "description": "Total the statement says the patient owes."
    }
  }
}

explain_insurance_term

Returns KeepMD's plain-language definition, a worked example and related terms for an insurance or medical-billing term from its glossary (allowed amount, deductible, coinsurance, balance billing, CO/PR group codes, No Surprises Act, observation status and about 110 more). Use it when a user asks what a word, column or abbreviation on an EOB, Medicare Summary Notice or bill means, including common ones such as allowed amount, billed amount, deductible or CO. Takes one term per call.

read-only

Argument	Type	Description
term*	string	An insurance or billing term as it appears on the statement, for example "allowed amount", "coinsurance", "CO", "not a bill".

Input schema (JSON)

{
  "type": "object",
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "required": [
    "term"
  ],
  "properties": {
    "term": {
      "type": "string",
      "maxLength": 80,
      "minLength": 2,
      "description": "An insurance or billing term as it appears on the statement, for example \"allowed amount\", \"coinsurance\", \"CO\", \"not a bill\"."
    }
  }
}

get_eob_reading_guide

Returns KeepMD's step-by-step guide, red flags and links to official consumer resources for reading an Explanation of Benefits (overview), resolving a bill that looks wrong (dispute), appealing a denial (appeal), or the handful of terms that drive the arithmetic (glossary). Use it when a user asks how to read an EOB, what to do about a bill that looks wrong, or how to appeal a denial.

read-only

Argument	Type	Description
topic	string

Input schema (JSON)

{
  "type": "object",
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "properties": {
    "topic": {
      "enum": [
        "overview",
        "dispute",
        "appeal",
        "glossary"
      ],
      "type": "string",
      "default": "overview"
    }
  }
}

lookup_codes

Checks codes against the current official releases, which change every year, and reports whether each is valid, billable or terminated today. Returns the official descriptor for ICD-10-CM diagnosis codes, HCPCS Level II service/supply/drug codes and HCPCS modifiers found on an Explanation of Benefits or medical bill, plus the chapter, a plain-language note where KeepMD has one, the data version, and licensing notices for CPT, dental, NDC and X12 remark codes (which are recognized but not described). Use it for any code a user asks about, including common ones such as Z00.00, 99213, J0696 or CO-45. Accepts every code from a statement in one call.

read-only

Argument	Type	Description
codes*	array	Codes exactly as printed on the statement, for example ["E11.9", "J0696", "99213", "CO-45", "GT"]. Up to 50 per call; one call per statement.
system	string	Which code set to assume. auto tries ICD-10-CM, HCPCS Level II and the licensed patterns. Use carc or rarc for remark/reason codes, modifier for two-character modifiers.

Input schema (JSON)

{
  "type": "object",
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "required": [
    "codes"
  ],
  "properties": {
    "codes": {
      "type": "array",
      "items": {
        "type": "string",
        "maxLength": 20,
        "minLength": 1
      },
      "maxItems": 50,
      "minItems": 1,
      "description": "Codes exactly as printed on the statement, for example [\"E11.9\", \"J0696\", \"99213\", \"CO-45\", \"GT\"]. Up to 50 per call; one call per statement."
    },
    "system": {
      "enum": [
        "auto",
        "icd10cm",
        "hcpcs2",
        "modifier",
        "carc",
        "rarc"
      ],
      "type": "string",
      "default": "auto",
      "description": "Which code set to assume. auto tries ICD-10-CM, HCPCS Level II and the licensed patterns. Use carc or rarc for remark/reason codes, modifier for two-character modifiers."
    }
  }
}

search_codes

Finds ICD-10-CM diagnosis codes and HCPCS Level II service, supply and drug codes whose official description matches words from a statement (everyday wording such as "flu shot" or "x-ray" is translated to the clinical terms), or whose code starts with the given characters. Use it when the statement prints a description but no code, or the code is partly illegible. CPT (5-digit) physician-service codes such as office visits and lab panels are not searchable because their text is licensed.

read-only

Argument	Type	Description
limit	integer
query*	string	Words from a service or diagnosis description in everyday or clinical wording ("flu shot", "influenza vaccine administration", "type 2 diabetes"), or the start of a code ("E11", "J069").
system	string

Input schema (JSON)

{
  "type": "object",
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "required": [
    "query"
  ],
  "properties": {
    "limit": {
      "type": "integer",
      "default": 10,
      "maximum": 25,
      "minimum": 1
    },
    "query": {
      "type": "string",
      "maxLength": 120,
      "minLength": 2,
      "description": "Words from a service or diagnosis description in everyday or clinical wording (\"flu shot\", \"influenza vaccine administration\", \"type 2 diabetes\"), or the start of a code (\"E11\", \"J069\")."
    },
    "system": {
      "enum": [
        "both",
        "icd10cm",
        "hcpcs2"
      ],
      "type": "string",
      "default": "both"
    }
  }
}

KeepMD EOB Decoder

Registry entry

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check_eob_math Read-only

KeepMD EOB Decoder

Registry entry

Try it

check_eob_math Read-only

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Tools (5)

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