Free MCP connector

KeepMD MCP for EOB Decoder MCP connector · mcp.keepmd.org

Ask Claude or ChatGPT what your EOB means

The same decoder behind the KeepMD browser extensions, inside the assistant you already use. Paste an Explanation of Benefits or a medical bill and ask what the codes, columns and amounts mean.

Free and read-only No account or API key
Add it to your assistant See how it works
Works with

KeepMD is independent and is not affiliated with or endorsed by the makers of these assistants. Product names and logos belong to their owners.

You

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

Assistant

Tools used lookup_codes check_eob_math

Here is each code, from KeepMD MCP for EOB Decoder:

  • Z00.00 Routine adult check-up, nothing unusual found ICD-10-CM
  • 99213 Office visit; description printed on your bill (AMA-licensed) CPT
  • J0696 Ceftriaxone antibiotic injection, per 250 mg HCPCS II
  • CO-45 Provider write-off above the contracted fee; not yours to pay Reason code
Billed
$420
Allowed
$180
Your share (20%)
$36

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

Example conversation
Storage Nothing stored No statements, no accounts, no log of what was asked
Access Read-only Five tools that change nothing
Price Free No API key, no sign-up
Code sets ICD-10-CM and HCPCS FY2027 and October 2026 releases

Add it to the assistant you already use

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

Claude

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

ChatGPT

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

Claude Code

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

Cursor

  1. Open ~/.cursor/mcp.json, or Cursor Settings → MCP
  2. Add this entry to your servers list
~/.cursor/mcp.json 
{
  "mcpServers": {
    "keepmd-mcp-eob-decoder": {
      "url": "https://mcp.keepmd.org/eob"
    }
  }
}

VS Code

  1. Create .mcp.json in your workspace root
  2. Add this entry, then start the server when VS Code offers
.mcp.json 
{
  "mcpServers": {
    "keepmd-mcp-eob-decoder": {
      "type": "http",
      "url": "https://mcp.keepmd.org/eob"
    }
  }
}

Devin Desktop

  1. Windsurf is now Devin Desktop. Create .devin/mcp_config.json in your workspace
  2. Add this entry, then refresh the list under Customize > MCPs
.devin/mcp_config.json 
{
  "mcpServers": {
    "keepmd-mcp-eob-decoder": {
      "serverUrl": "https://mcp.keepmd.org/eob"
    }
  }
}

Using another MCP client? Point it at https://mcp.keepmd.org/eob over Streamable HTTP.

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.

It never sees your statement

  • Tools accept only codes, terms and dollar amounts. There is no field for a name, date, member ID or claim number.
  • No account, no storage, and no log of what was asked.
  • Public U.S. government data (NCHS, CMS) plus KeepMD-authored reference text.
Connector privacy policy

Five tools, all read-only

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

Try asking

  • 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) Described Full descriptions, 74,000+ codes
HCPCS Level II codes and modifiers (October 2026) Described 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.

FAQ

Common questions

What to do next

Decoding a line is often the first step. These pages cover what comes after.

  1. KeepMD tool KeepMD EOB Decoder browser extension Local decoding in Chrome, Edge, Firefox and Safari.
  2. KeepMD app Keep every EOB with your records Your statements next to the rest of your health history, on your device.
  3. Records help How to request medical records Ask for the billing and clinical records behind a claim.
  4. Hospitals All hospital guides Find your hospital's portal and its medical records office.
  5. Open source Source code and data notices The connector's code and data releases on GitHub.

Don’t just take our word for it. Compare KeepMD for yourself.

Sources

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