Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the burden of behavioral disclosure. It describes the return as 'all healthcare and administrative services' and gives examples, which adds useful context. It does not explicitly state that it is a read-only operation or address potential errors, but the tool name and verb imply a safe read.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.