costkits-mcp
OfficialThis server provides tools to access live US healthcare cost data, provider pricing, insurance coverage rules, and medical bill analysis, grounded in real hospital transparency and CMS data.
Demo & Connectivity Check — Run
demo_estimate(no API key needed) to verify connectivity using a static sample estimate.Procedure Resolution — Use
resolve_procedureto fuzzy-match free-text procedure names (e.g., "knee mri") to canonical slugs with confidence scores.Procedure Cost Estimation — Use
estimate_procedure_costto get allowed-amount ranges (low/median/high), billing components, risk flags, and optional patient out-of-pocket based on deductible, coinsurance, and OOP max.Insurance Liability Calculation — Use
calculate_liabilityfor exact insurance math given an allowed amount and plan details, returning patient responsibility and plan payment breakdown.Full Bundled Estimate — Use
full_estimateto get procedure ontology + cost + providers + patient liability in a single API call.Provider Search — Use
find_providersto locate providers for a procedure in a state, with real negotiated prices (observed) or estimates, and optional city-level clustering.Provider Lookup — Use
get_providerto retrieve a provider's public profile by 10-digit NPI number.Procedure Catalog — Use
list_proceduresto browse 30 procedures with slugs, display names, categories, and CPT codes.Procedure Details — Use
get_procedure_detailsfor structured knowledge about a procedure: billing rules (facts), expected separate bills (bundle), or full ontology.Insurance Coverage Rules — Use
get_coverageto retrieve coverage rules for a procedure/carrier combination by aspect: summary, prior-auth, cost-sharing, frequency, or billing triggers.Carrier Listing — Use
list_carriersto see all supported insurance carrier keys (aetna, cigna, bcbs, medicare, etc.).Medical Bill Analysis (Pro) — Use
analyze_billto detect anomalies in bill line items (duplicate charges, unbundling, quantity errors), returning a risk score, flags, and a consumer-language summary — stateless, no patient identity required.
Click on "Install Server".
Wait a few minutes for the server to deploy. Once ready, it will show a "Started" state.
In the chat, type
@followed by the MCP server name and your instructions, e.g., "@costkits-mcpColonoscopy cost estimate in CT with $500 deductible and 20% coinsurance."
That's it! The server will respond to your query, and you can continue using it as needed.
Here is a step-by-step guide with screenshots.
costkits-mcp
Give Claude, ChatGPT, or any MCP client live US healthcare cost data — procedure cost estimates, provider pricing, insurance coverage rules, and medical bill analysis, grounded in real hospital transparency and CMS data instead of model priors.
A thin Model Context Protocol server for the CostKits API.
Quick start (Claude Desktop)
Add to your claude_desktop_config.json (Settings → Developer → Edit Config):
{
"mcpServers": {
"costkits": {
"command": "npx",
"args": ["-y", "@costkits/costkits-mcp"],
"env": {
"COSTKITS_API_KEY": "ck_your_key_here"
}
}
}
}Get a free key at 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.
Restart Claude Desktop, then ask:
"What would a colonoscopy cost me in Connecticut if I have $500 left on my deductible and 20% coinsurance?"
Works the same with any MCP client (Claude Code, ChatGPT desktop, Cursor, ...) — see examples/claude-desktop-config.json.
Related MCP server: Medicare MCP Server
Tools
Tool | What the model gets | Plan |
| Static sample estimate — connectivity check | none |
| Free text → canonical procedure slug | Builder |
| Cost range + patient out-of-pocket for a procedure/state | Builder |
| Exact insurance math for a known allowed amount | Builder |
| Ontology + cost + providers + liability in one call | Builder |
| Providers with real negotiated prices ( | Builder |
| Single provider profile by NPI | Builder |
| The 30-procedure catalog with CPT codes | Builder |
| LLM-ready facts, billing bundle, or full ontology | Builder |
| Coverage rules by aspect: summary, prior-auth, cost-sharing, frequency, triggers | Builder (triggers: Pro) |
| Supported carrier keys — also a key sanity check | Free |
| Anomaly flags + risk score for bill line items | Pro |
Plans and pricing: costkits-api → plans-and-pricing.
Why this API behaves well in agent loops
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.Ranges, sources, vintages. Responses include p25/p50/p75,
data_sources, anddata_vintage— everything the model needs to answer responsibly instead of confidently.Stateless bill analysis.
analyze_billneeds only codes and amounts. Don't send names, member IDs, or birth dates; the API neither needs nor stores them.
Configuration
Env var | Required | Default | Purpose |
| For all tools except | — | Your |
| No |
| Override for testing |
Local development
git clone https://github.com/costkits/costkits-mcp && cd costkits-mcp
npm install
npm run smoke # spawns the server and calls demo_estimate over real MCP stdioLinks
CostKits API docs & examples · costkits.com · Interactive demo · Get an API key
About CostKits
CostKits is a healthcare cost-transparency platform built and maintained by John Caruso, FSA, MAAA — 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's consumer tools. See our data & pricing methodology for how estimates are sourced.
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