coverage-exception
Why Medicare Part D restricts a drug, and the exception and appeal path to challenge it
Should I use this
Quality & Safety
Findings (2)
- LOWTool 'medicare_part_d_out_of_pocket_cap' name length outside 3-30 rangein medicare_part_d_out_of_pocket_cap
- LOWTool 'medicare_coverage_restriction_and_exception' name length outside 3-30 rangein medicare_coverage_restriction_and_exception
Based on automated analysis of tool definitions and protocol compliance.
Context Cost
This is the approximate number of tokens consumed each time the server's tools are loaded into a model's context. Higher counts reduce the attention available for other tasks.
Install
One-Click Install
Add this to your `claude_desktop_config.json` file:
{
"mcpServers": {
"coverage-exception": {
"url": "https://insurewith.ai/mcp"
}
}
}Remote endpoints
https://insurewith.ai/mcpstreamable-httpWhat it can do
Tool inventory
Tools (2)
⚪medicare_part_d_out_of_pocket_cap(monthly, drug, deductible, join, year)
Project month-by-month Medicare Part D out-of-pocket spending against the statutory annual cap, identify the month the cap is reached, quantify what the cap itself saves, and compare normal payment timing against the Medicare Prescription Payment Plan — which spreads the SAME total across the year without reducing it. Supports plan years 2026 and 2027 and fails closed to 2026 for any unsupported year rather than extrapolating. This is a standard-benefit simulation, NOT a plan-specific pharmacy quote: plan negotiated prices and plan cost sharing are not held and are never inferred.
Input Schema
{
"type": "object",
"properties": {
"monthly": {
"type": "string",
"description": "Expected monthly out-of-pocket spend on covered drugs, in USD, e.g. \"300\""
},
"drug": {
"type": "string",
"description": "Optional drug name — checks formulary status and whether spending on it counts toward the cap"
},
"deductible": {
"type": "string",
"description": "Optional plan drug deductible in USD, e.g. \"615\" or \"0\""
},
"join": {
"type": "string",
"description": "Optional month (1-12) the payment plan would be joined"
},
"year": {
"type": "string",
"description": "Optional plan year: 2026 or 2027"
}
},
"required": [
"monthly"
]
}🟡medicare_coverage_restriction_and_exception(drug, state)
For a drug on Medicare Part D, name the coverage problem — covered, prior authorization, step therapy, quantity limit, or not on formulary — and give the exception and appeal path with the CMS-named levels of appeal, who must submit the request, and what to ask the plan and the prescriber. Returns per-plan flag counts across plans held. Plan-specific clinical criteria and appeal deadlines are NOT held and are never inferred; they are returned in an explicit "unavailable" block rather than guessed.
Input Schema
{
"type": "object",
"properties": {
"drug": {
"type": "string",
"description": "Brand or generic drug name, e.g. \"Humira\", \"adalimumab\""
},
"state": {
"type": "string",
"description": "Optional 2-letter US state code, e.g. \"TX\""
}
},
"required": [
"drug"
]
}Community
Evidence