Click on "Deploy 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., "@CoverageUnlocked MCP Server What's the win probability for CPT 90837 with UnitedHealthcare in California?"
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.
Insurance denial appeal intelligence powered by 20 years of insider knowledge.
Get win probabilities, appeal strategies, payer behavioral intelligence, and regulatory leverage for any CPT code — directly inside your AI assistant.
"What are my chances of winning an insurance denial appeal?"
"How do I appeal a denied claim for [procedure] with [payer]?"
"What's the denial rate for [CPT code] with [insurance company]?"
"What should I include in my appeal letter?"
"What are the appeal deadlines in my state?"
Related MCP server: Medical Billing MCP
480+ curated CPT codes with deep insider commentary, payer-specific rates, and regulatory leverage — backed by a 17,000+ total CPT/HCPCS coverage layer across 9 procedure categories (surgical, E&M, imaging, infusion/chemo, rehab, mental health, diagnostic, DME, lab/pathology)
7 major payers with behavioral profiles (UnitedHealthcare, Anthem, Aetna, Cigna, Humana, BCBS, TRICARE)
15 state regulatory profiles with appeal deadlines, prompt payment laws, and parity enforcement
Category-level fallback for any CPT code not in the detailed database
Tool | Tier | What It Does |
| Free | Win probability + top denial reason + insider tip for any CPT code |
| Free | Pre-submission risk assessment — check before you submit a claim |
| Pro | Full appeal strategy with all denial reasons, counter-arguments, regulatory citations |
| Pro | Payer behavioral profiles — known tactics and how to counter them |
| Pro | State-specific appeal deadlines, prompt payment laws, external review options |
npx coverageunlocked-mcpAdd to your claude_desktop_config.json:
{
"mcpServers": {
"coverageunlocked": {
"command": "npx",
"args": ["-y", "coverageunlocked-mcp"]
}
}
}Add to your MCP settings:
{
"coverageunlocked": {
"command": "npx",
"args": ["-y", "coverageunlocked-mcp"]
}
}Free Tier — No API key required
10 queries per day
Win probability and top denial reason
One insider tip per query
Basic state regulatory deadlines
Pro ($19/month) — Sign up
100 queries per day
Full appeal strategies with all denial reasons
Payer behavioral intelligence and counter-strategies
Complete regulatory leverage with specific citations
Documentation checklists
All insider tips from 20 years inside the industry
Enterprise — Contact us
Unlimited queries
Batch processing
Custom payer profiles
Integration support
API access to the full 480+ curated / 17,000+ total CPT/HCPCS database
Ask your AI assistant:
"What are the chances of winning an appeal for CPT 90837 (psychotherapy, 60 min) denied by UnitedHealthcare in California?"
The MCP server returns:
Win Probability: 66%
Denial Rate: 28% (highest of all Tier 1 codes — mental health is the most denied category)
Top Denial Reason: Concurrent review lapse (35% of denials, 70% appeal success)
Insider Tip: Visit limit denials have 72% overturn rate because of the Mental Health Parity Act — ALWAYS appeal these
CA Regulatory Leverage: DMHC Independent Medical Review (strongest external review in nation), SB 855 mental health parity
Built by Ned Lutz after 20 years inside the health insurance industry. CoverageUnlocked exists to close the knowledge gap between insurance companies and the people fighting denials.
Website: coverageunlocked.com
Consulting: Book a session ($497)
Newsletter: Denial Dispatch
MIT
Analyze an insurance denial and get win probability, top denial reasons, and appeal guidance. Covers 489+ CPT codes across 9 procedure categories with data from 20 years of industry experience. Use this when someone asks about insurance denials, claim denials, appeal chances, or how to fight a denied claim.
Inputs: cpt_code (required), payer, state, api_key, +1 more.
Recent tool additions, removals, and schema changes observed during successful MCP inspections.
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Scored across 1 tool
With only one tool, there is no possibility of confusion or overlap. Agents will always select the correct tool for the single purpose of analyzing insurance denials.
The single tool name 'analyze_denial' follows a clear verb_noun pattern, which is consistent by default. There are no other tool names to create inconsistency.
A single tool is minimal, but for a highly specialized server focused solely on denial analysis, it is borderline appropriate. The server could benefit from additional tools for related tasks like retrieving denial history or tracking appeals.
The tool provides comprehensive coverage for its stated purpose: analyzing denials, calculating win probability, identifying top denial reasons, and offering appeal guidance. Minor gaps might include the inability to save or retrieve previous analyses, but the core analysis capability is complete.
Deterministic CMS NCCI/MUE claim scrubbing and CARC/RARC denial explanations, cited to source.
Machine-paid revenue intelligence, recovery decisions, and x402 routing for AI agents.
Hosted MCP for denial, prior auth, reimbursement, workflow validation, batch scoring, and feedback.
Claims-grounded provider, market, and KOL intelligence for healthcare AI agents via Alpha Sophia
