KeepMD EOB Decoder

org.keepmdPublished by keepmd.orgOfficial publisherv0.1.0Updated Nov 4, 2026

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

VerifiedStreamable HTTPWeb executableFinanceKnowledge & Memory

Overview

AI-generated overview

Read-only reference that lets an assistant decode medical Explanation of Benefits codes, insurance terms and billing math.

What you can do
  • Look up official ICD-10-CM, HCPCS Level II and modifier descriptors and check whether a code is valid and billable today
  • Search diagnosis and service codes by everyday wording or code prefix
  • Explain insurance and billing terms such as allowed amount, coinsurance and No Surprises Act
  • Recheck an EOB line or claim total from printed amounts and flag balance billing or mismatched totals
  • Return a step-by-step guide for reading an EOB, disputing a bill or appealing a denial
When to use it
Useful when a user pastes or describes an EOB, Medicare Summary Notice or itemized bill and wants to know what the codes mean, what the insurance wording means, whether the amounts add up, or what to do next.
Requirements
Remote Streamable HTTP endpoint with no authentication and no accounts; no environment variables or headers declared. A local run is possible from the source repository with Node.js and a data refresh step.
Before you install
Read-only and stateless, and the tools accept only codes, terms and dollar amounts, so no names, dates, member IDs or claim numbers should be sent. Output is general billing and coding reference, not medical, legal or financial advice. CPT, CDT and CARC/RARC descriptors are licensed and not included, so those codes are recognized but not described.

Installation

In SourceWeft

  1. Open KeepMD EOB Decoder in the dashboard and add it to a workspace.
  2. Enable the server for the chats that should use its tools.

Web executable via Streamable HTTP. Remote servers run from the web runtime once configured in a workspace.

Use with an agent

Paste this prompt into Claude Code, Codex, Cursor or another agent — or into SourceWeft chat. The agent reads this server's install guide, shows you its publisher, endpoint and sign-in, and adds it to your client once you agree. Keys never go into a command.

Read https://sourceweft.com/mcp/org.keepmd%2Feob-decoder/install.md and connect the MCP server it describes to my client. Before changing any config, show me its publisher, endpoint and sign-in method and wait for my OK. Never put an API key in a command or in a file I would commit; ask me where it should come from.

Read the install guide the agent follows

Other MCP clients

Add this to your client's mcpServers config.

{
  "mcpServers": {
    "keepmd-eob-decoder": {
      "type": "http",
      "url": "https://mcp.keepmd.org/eob"
    }
  }
}

README

KeepMD EOB Decoder — MCP server

A read-only Model Context Protocol server that helps an AI assistant read a medical Explanation of Benefits (EOB), Medicare Summary Notice or itemized bill. It is the same job the KeepMD EOB Decoder browser extensions do, exposed to Claude, ChatGPT, Cursor and any other MCP client.

Endpoint: https://mcp.keepmd.org/eob (Streamable HTTP, no authentication) Documentation: https://keepmd.org/eob-decoder/mcp/ Publisher: KeepMD (VertexMD, Inc.) · [email protected]

In plain English: you paste or describe an EOB or bill to Claude, ChatGPT or another assistant, and the assistant uses this server to say what each code means, what the insurance words mean, whether the amounts add up, and what to do next. The server only ever sees codes, words and dollar figures.

What it does

ToolPurpose
lookup_codesOfficial descriptors for ICD-10-CM diagnosis codes, HCPCS Level II service/supply/drug codes and HCPCS modifiers, with chapter, plain-language notes and licensing notices for CPT, dental, NDC and X12 remark codes (recognized, not described). Up to 50 codes per call.
search_codesFind ICD-10-CM or HCPCS Level II codes from words in a description, or by code prefix.
explain_insurance_term~115 insurance and billing terms (allowed amount, coinsurance, CO/PR group codes, No Surprises Act, observation status…) with examples and related terms.
check_eob_mathRecomputes one service line or claim total from the printed amounts and flags balance billing, mismatched totals and impossible cost sharing.
get_eob_reading_guideStep-by-step guide to reading an EOB, disputing a bill, or appealing a denial, with links to official consumer resources.

Plus the decode_eob prompt and two resources (keepmd://eob-decoder/glossary, keepmd://eob-decoder/manifest).

Every tool carries readOnlyHint: true and openWorldHint: false. Every clinical or financial payload carries a disclaimer field: general billing and coding reference, not medical, legal or financial advice.

Privacy

The server has no storage and no accounts. Tools accept codes, terms and dollar amounts only; no schema takes a name, date of birth, member ID, claim number or statement text. Tool arguments are never logged. Full policy: https://keepmd.org/privacy/eob-decoder-mcp/.

Data

SetReleaseLicense
ICD-10-CMFY2027 (effective 2026-10-01), NCHS/CMSPublic domain
HCPCS Level IIOctober 2026 quarterly file, CMSPublic domain (CDT D-codes dropped)
Glossary, reading guide, plain-language notesKeepMD-authoredMIT

CPT (AMA), CDT (ADA) and CARC/RARC (X12) descriptors are licensed and are not included. See NOTICE.md. Exact versions and file hashes: public/data/MANIFEST.json.

Use it

Claude (claude.ai → Settings → Connectors → Add custom connector): https://mcp.keepmd.org/eob Claude Code: claude mcp add --transport http keepmd-eob-decoder https://mcp.keepmd.org/eob Cursor / VS Code / other clients:

json
{ "mcpServers": { "keepmd-eob-decoder": { "type": "http", "url": "https://mcp.keepmd.org/eob" } } }

ChatGPT: install from the app directory once listed (see chatgpt/).

Status: the public endpoint goes live with the first deploy (docs/DEPLOY.md); until then run it locally.

Try: "What do Z00.00, 99213 and J0696 mean on this EOB?" · "Explain allowed amount versus billed amount." · "Billed 1,200, allowed 650, deductible 500, 20% coinsurance. Is my 630 patient responsibility right?"

Run it yourself

bash
npm install --legacy-peer-depsnpm run data:refresh      # downloads the CMS/NCHS releases and rebuilds public/datanpm test && npm run typechecknpm run dev               # http://localhost:8787/eob

Test it

bash
npm run dev                                   # terminal 1npm run smoke -- http://127.0.0.1:8787/eob    # terminal 2: initialize, tools/list, one call per tool, the promptnpx @modelcontextprotocol/inspector           # point it at http://127.0.0.1:8787/eob (Streamable HTTP)

Or add the local server to Claude Code with claude mcp add --transport http eob-local http://127.0.0.1:8787/eob and ask it the reviewer prompts in docs/SUBMISSIONS.md. Problems: [email protected] (the issue tracker is off).

Built on @modelcontextprotocol/server (createMcpHandler, stateless Streamable HTTP) and Cloudflare Workers with Static Assets for the code sets. Layout, release and data-refresh steps: CONTRIBUTING.md, docs/DEPLOY.md. Directory submissions (Anthropic, OpenAI, MCP Registry, Google, Meta, Grok, Cursor and others): docs/SUBMISSIONS.md. Bundles: plugin/ (Claude plugin), chatgpt/ (ChatGPT app package), .cursor-plugin/ + mcp.json (Cursor plugin).

License

MIT for code and KeepMD-authored content. Government data sources are public domain; see NOTICE.md.

Source: README.md at commit a8437ab

Tools

5

lookup_codes

Look up EOB 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.

Parameterscodesrequiredsystem

search_codes

Search diagnosis and service 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.

Parameterslimitqueryrequiredsystem

explain_insurance_term

Explain an 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.

Parameterstermrequired

check_eob_math

Check EOB arithmetic

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.

Parameterscopaybilledallowedplan_paiddeductiblein_networknon_coveredcoinsurance_ratecoinsurance_amountpatient_responsibility

get_eob_reading_guide

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.

Parameterstopic

Version history

1
  1. v0.1.0LatestNov 4, 2026

Score

100% of the applicable checks met

How complete this listing is, computed from the registry entry, the endpoint and public sources. Not a rating of the server and not a statement that it is safe or working today: reachability is a dated check, and no installs or reviews go into the score.

  • Reached in the last 30 daysRequired25 pts
  • Auth declaredRequired10 pts
  • Tools listedRequired15 pts
  • DescriptionRequired15 pts
  • Logo10 pts
  • Documentation15 pts
  • License10 pts

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KeepMD MCP for EOB Decoder

org.keepmdOfficial publisher

Read-only remote MCP server that helps an assistant decode medical EOB and bill codes, insurance terms and printed amounts.

Streamable HTTPWeb executable
Finance5 toolsNov 5, 2026