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API](https://github.com/costkits/costkits-api).\n\n## Quick start (Claude Desktop)\n\nAdd to your `claude_desktop_config.json` (Settings → Developer → Edit Config):\n\n```json\n{\n  \"mcpServers\": {\n    \"costkits\": {\n      \"command\": \"npx\",\n      \"args\": [\"-y\", \"@costkits/costkits-mcp\"],\n      \"env\": {\n        \"COSTKITS_API_KEY\": \"ck_your_key_here\"\n      }\n    }\n  }\n}\n```\n\nGet a free key at [costkits.com/api-keys/](https://www.costkits.com/api-keys/). No key yet? The server still runs — the `demo_estimate` tool works with no key at all, so you can verify the wiring first.\n\nRestart Claude Desktop, then ask:\n\n> *\"What would a colonoscopy cost me in Connecticut if I have $500 left on my deductible and 20% coinsurance?\"*\n\nWorks the same with any MCP client (Claude Code, ChatGPT desktop, Cursor, ...) — see [`examples/claude-desktop-config.json`](./examples/claude-desktop-config.json).\n\n## Tools\n\n| Tool | What the model gets | Plan |\n|------|--------------------|------|\n| `demo_estimate` | Static sample estimate — connectivity check | none |\n| `resolve_procedure` | Free text → canonical procedure slug | Builder |\n| `estimate_procedure_cost` | Cost range + patient out-of-pocket for a procedure/state | Builder |\n| `calculate_liability` | Exact insurance math for a known allowed amount | Builder |\n| `full_estimate` | Ontology + cost + providers + liability in one call | Builder |\n| `find_providers` | Providers with real negotiated prices (`pricing_status: observed`) | Builder |\n| `get_provider` | Single provider profile by NPI | Builder |\n| `list_procedures` | The 30-procedure catalog with CPT codes | Builder |\n| `get_procedure_details` | LLM-ready facts, billing bundle, or full ontology | Builder |\n| `get_coverage` | Coverage rules by aspect: summary, prior-auth, cost-sharing, frequency, triggers | Builder (triggers: Pro) |\n| `list_carriers` | Supported carrier keys — also a key sanity check | Free |\n| `analyze_bill` | Anomaly flags + risk score for bill line items | Pro |\n\nPlans and pricing: [costkits-api → plans-and-pricing](https://github.com/costkits/costkits-api/blob/main/docs/plans-and-pricing.md).\n\n## Why this API behaves well in agent loops\n\n- **Self-correcting errors.** Every API error carries an `agent_hint` (\"Call GET /v1/procedures/resolve?q=... Closest matches: mri-knee, x-ray\"). This server surfaces the hint to the model verbatim, so a typo'd procedure name becomes a resolve-and-retry, not a dead end.\n- **Ranges, sources, vintages.** Responses include p25/p50/p75, `data_sources`, and `data_vintage` — everything the model needs to answer responsibly instead of confidently.\n- **Stateless bill analysis.** `analyze_bill` needs only codes and amounts. Don't send names, member IDs, or birth dates; the API neither needs nor stores them.\n\n## Configuration\n\n| Env var | Required | Default | Purpose |\n|---------|----------|---------|---------|\n| `COSTKITS_API_KEY` | For all tools except `demo_estimate` | — | Your `ck_...` key |\n| `COSTKITS_API_BASE` | No | `https://api.costkits.com` | Override for testing |\n\n## Local development\n\n```bash\ngit clone https://github.com/costkits/costkits-mcp && cd costkits-mcp\nnpm install\nnpm run smoke     # spawns the server and calls demo_estimate over real MCP stdio\n```\n\n## Links\n\n[CostKits API docs & examples](https://github.com/costkits/costkits-api) · [costkits.com](https://www.costkits.com) · [Interactive demo](https://www.costkits.com/api/demo/) · [Get an API key](https://www.costkits.com/api-keys/)\n\n## About CostKits\n\nCostKits is a healthcare cost-transparency platform built and maintained by [John Caruso, FSA, MAAA](https://www.costkits.com/about/) — a healthcare actuary with 20+ years in insurance pricing, medical billing systems, and healthcare cost analytics. This MCP server wraps the same pricing engine behind [costkits.com](https://www.costkits.com)'s consumer tools. See our [data & pricing methodology](https://www.costkits.com/methodology/) for how estimates are sourced.\n\n## License\n\n[MIT](./LICENSE)\n","readmeFilename":"README.md"}