Coverage Rights
Coverage Rights gives your AI free, read-only access to published U.S.
health-insurance denial data, so answers about a denial, prior authorization or an appeal rest on sources instead of memory. What it covers:
MCP connector
- Server URL
https://www.coverage-rights.com/api/mcp- Login
- None
- Protocol
- MCP 2026-07-28
- Instructions
Use this server to ground any answer about U.S. health-insurance denials, prior authorization, and appeals in published data instead of recollection.
Two corpora:
Insurer prior-authorization metrics from each insurer's own CMS-0057-F public disclosure (CY2025) — denial rates, appeal overturn rates, decision times, at company and contract/plan level. Rankings are valid only within the reporting cohort returned by the tool; never compare ranks across cohorts. Tools: , , .
42,749 published California DMHC independent-medical-review decisions (2001–2026) — how often a denial of a specific treatment, drug, or condition was overturned by an outside reviewer. Tools: (start here to resolve a name to a slug), , .
For 'what can I do about this denial', call with the program (Medicare Advantage, ERISA/employer, ACA marketplace, Medicaid) and denial category; add for the state's outside-review path and deadline.
For a medication denial, use with the actual program, benefit channel and confirmed routing facts. Preserve needs_context/unsupported results and the returned rule triggers. Never infer a personal filing date or a universal medication clock from the drug name. supplies curated background, not proof of current coverage or an applicable deadline.
For a knee osteoarthritis hyaluronic-acid injection denial, offers a free preparation checklist using bounded routing facts, injection-series status and user-reported record categories only. Never send names, identifiers, dates, record text or documents. A category marked available does not verify its contents or the plan's criteria; preserve missing-fact and unsupported-route holds.
Rules when relaying results:
Tools
Reads data10
Skills
None in the store listings or on the server