Free MCP connector

Ask your AI assistant what your EOB means.

The same decoder that powers the KeepMD browser extensions, available inside Claude, ChatGPT, Claude Code, Cursor and any MCP-compatible client. Paste an Explanation of Benefits or a medical bill and ask what the codes, columns and amounts mean.

Add it to your assistant See how it works

The connector never sees your statement. It receives only the codes, terms and dollar amounts your assistant asks about. No account, nothing stored.

  • Read-only
  • No account
  • Nothing stored
  • Public ICD-10-CM and HCPCS code sets
Example conversation
You

What do Z00.00, 99213, J0696 and CO-45 mean on my EOB?

Assistant

Here is each code, from KeepMD EOB Decoder:

Code System Meaning
Z00.00 ICD-10-CM Routine adult check-up, nothing unusual found
99213 CPT Office visit; description printed on your bill (AMA-licensed)
J0696 HCPCS II Ceftriaxone antibiotic injection, per 250 mg
CO-45 Reason code Provider write-off above the contracted fee; not yours to pay

Billed $420 − allowed $180 = $240 written off. Your share: $36 (20% coinsurance).

The bill from the provider should ask for $36, not $240.

Connector address

Add it to the assistant you already use

One address works for every MCP client. No keys, no sign-up.

https://mcp.keepmd.org/eob

Claude

Custom connector

  1. Settings → Connectors → Add custom connector
  2. Paste the connector address, then turn it on in a chat
https://mcp.keepmd.org/eob
Open Claude connectors

ChatGPT

App directory

  1. Search for "KeepMD EOB Decoder" in the ChatGPT app directory
  2. Until it is listed: Settings → Apps → developer mode, then the address below
https://mcp.keepmd.org/eob

Claude Code

One command

  1. Run the command in your terminal
claude mcp add --transport http keepmd-eob-decoder https://mcp.keepmd.org/eob

Cursor, VS Code, Windsurf and others

JSON config

  1. Add this entry to your client's MCP servers list
{
  "mcpServers": {
    "keepmd-eob-decoder": { "type": "http", "url": "https://mcp.keepmd.org/eob" }
  }
}

How it works

Your assistant reads the statement; the connector supplies the reference facts.

  1. Paste your EOB or bill

    In Claude or ChatGPT, paste the text or a photo of the statement and ask your question.

  2. The assistant asks KeepMD

    It sends only the codes, terms and amounts. The connector answers with the official descriptions and the arithmetic.

  3. You understand before you call

    Every line explained, discrepancies flagged, and what to do next if something looks wrong.

Tools

Five tools, all read-only

The assistant calls them on its own; you just ask the question.

Decode the codes

Official ICD-10-CM and HCPCS Level II descriptions, the chapter, a plain-language note, and licensing notices for CPT, dental and reason codes.

lookup_codes

Find a code

Finds a code from words in its description or from the first few characters.

search_codes

Explain a term

110+ terms: allowed amount, deductible, coinsurance, balance billing, CO/PR group codes, No Surprises Act.

explain_insurance_term

Check the math

Recomputes a line from the printed amounts and flags a balance bill or a total that does not add up.

check_eob_math

What to do next

Step-by-step guide to reading an EOB, disputing a bill, or appealing a denial.

get_eob_reading_guide

What it can read

Public code sets are described in full; licensed code sets are recognized and flagged.

Code type Coverage Detail
ICD-10-CM diagnosis codes (FY2027) Yes Full descriptions, 74,000 codes
HCPCS Level II codes and modifiers (October 2026) Yes Services, supplies, drugs, ambulance, equipment
CPT codes (5-digit) Flagged Recognized, not described: licensed by the AMA. Your bill prints the description.
Dental codes (D-series) Flagged Recognized, not described: licensed by the ADA.
CO/PR reason codes and remark codes Flagged The group prefix is explained; the numbered meaning is printed by your payer.

Common questions

Common questions

Is it free?

Yes. The connector is public and free, with no account or API key. KeepMD publishes it so patients can understand their statements; the KeepMD app is a separate product.

Why aren't CPT codes explained?

CPT descriptions belong to the American Medical Association and require a license. The connector flags the code; your bill prints the description.

Does it work for statements outside the U.S.?

ICD-10-CM and HCPCS are U.S. code sets. The insurance terms and arithmetic checks are still useful elsewhere, but other countries' codes are not covered.

How is it different from the browser extension?

Same decoder, different place. The extension decodes locally in your browser; the connector answers your AI assistant, which holds the conversation.

Does it give medical or legal advice?

No. It returns billing and coding reference information. Your plan documents and your EOB govern what you owe.

Related links

Keep going

KeepMD EOB Decoder browser extension Local decoding in Chrome, Edge, Firefox and Safari. KeepMD app Keep every EOB next to the rest of your health history. Source code and data notices github.com/keepmd-medical

Explore KeepMD

Keep going after you decode the bill.

Decoding a line is often the first step. To check the details behind a claim, request your billing and medical records, learn how to request medical records from a hospital, and keep each EOB next to the rest of your history in the KeepMD health records app.

Hospital record guides

Step-by-step guides for downloading or requesting records, including billing records, from specific hospitals and health systems.

Sources

Ready to decode

Understand the line before the call.

Add the connector to your assistant and ask your first question.

Add it to your assistant

General billing and coding reference, not medical, legal or financial advice. Your EOB and plan documents govern what you owe.