# com.coverage-rights/coverage-rights (remote · www.coverage-rights.com)

Insurer denial rates, appeal outcomes by treatment and condition, and appeal rights lookups.

- Trust score: 74/100 (medium)
- Change this week: +5
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-08-03

## Components

- remote · `www.coverage-rights.com`: 74/100 (this document), [markdown](https://verifymcp.io/servers/com-coverage-rights-coverage-rights/api-mcp-2.md), [page](https://verifymcp.io/servers/com-coverage-rights-coverage-rights/api-mcp-2)

## Channel facts

- Endpoint: `https://www.coverage-rights.com/api/mcp`
- Transports: `streamable-http`
- Auth: `none`
- Version: `1.1.0`

## Trust breakdown

How this component scores in each security and reliability category. Every signal is checked automatically against the live server, and we only credit what we can confirm. Scores are 0–100 per category. Scoring method: https://verifymcp.io/docs/scoring (what has changed: https://verifymcp.io/docs/scoring/changelog)

Scored 2026-08-03.

- **Endpoint Security**: 80/100
  - The endpoint's TLS certificate is valid, in date, and uses a strong key.
  - No authorisation is required to call this server. Every tool declares its destructiveHint and none is destructive, so open access doesn't expose one.
  - HTTPS is enforced; there's no plaintext access path.
  - The HSTS (Strict-Transport-Security) header is present.
  - DNSSEC check failed: this domain isn't protected by DNSSEC.
- **Transport & Reachability**: 100/100
  - Verified streamable-http transport via a live MCP handshake.
- **Schema Quality & AI Usability**: 68/100
  - AI-judged instruction clarity (excellent).
  - Context-footprint check failed: tool/resource definitions use about 1478 tokens (~164/item across 9 items; 9 tools + 0 resources), over budget; trim descriptions and params.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 27/100
  - Stability observed for 8 of 30 days with no destabilising changes; credit accrues until the full window elapses.
- **Tool Coverage**: 93/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 78% of tool parameters carry a description.
- **Capabilities**: 100/100
  - Implements a supported MCP spec version (2025-11-25); the latest is 2026-07-28.

## Install

### Claude

```bash
claude mcp add --transport http com-coverage-rights-coverage-rights https://www.coverage-rights.com/api/mcp
```

### Codex

```toml
[mcp_servers.com-coverage-rights-coverage-rights]
url = "https://www.coverage-rights.com/api/mcp"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "com-coverage-rights-coverage-rights": {
      "type": "remote",
      "url": "https://www.coverage-rights.com/api/mcp",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add com-coverage-rights-coverage-rights --url https://www.coverage-rights.com/api/mcp --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  com-coverage-rights-coverage-rights:
    url: "https://www.coverage-rights.com/api/mcp"
```

### Other

```json
{
  "mcpServers": {
    "com-coverage-rights-coverage-rights": {
      "type": "http",
      "url": "https://www.coverage-rights.com/api/mcp"
    }
  }
}
```

The mcpServers block is a cross-client convention. Remote transports vary, so check your client's docs.

## Changelog

Every change recorded for this component, newest first. Days that predate change tracking, or that we cannot explain, say so: "we were watching and nothing happened" and "we were not watching" are different claims.

### 2026-08-03 (score 74, +1)

No change was recorded against any check on this day. Stability & Change Management went from 23 to 27. That category is still filling its 30-day observation window: 7 days of observed history at the previous scan, 8 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-08-02 (score 73, −1)

- [security] The server rewrote its instructions, which are the text every model session reads
- [security] Tool “rank_denial_rates” rewrote its description, which is the text the model reads
- [security] Tool “get_appeal_rights” rewrote its description, which is the text the model reads
- [functional regression] Tool coverage: 100% → 78%
- [cosmetic] “get_appeal_rights” added an optional parameter “regulatory_marker”
- [cosmetic] “get_appeal_rights” added an optional parameter “regulatory_state_basis”
- [cosmetic] “get_appeal_rights” added an optional parameter “appeal_stage”
- [cosmetic] “get_appeal_rights” added an optional parameter “current_status”
- [cosmetic] “get_appeal_rights” added an optional parameter “drug_channel”
- [cosmetic] “get_appeal_rights” added an optional parameter “employer_type”
- [cosmetic] “get_appeal_rights” added an optional parameter “funding_status”

### 2026-07-31 (score 74, +4)

- [functional] We updated how we score, so this day's move reflects our rubric, not a change to the server

### 2026-07-30 (score 70, −1)

- [functional] We updated how we score, so this day's move reflects our rubric, not a change to the server

### 2026-07-29 (score 71, +1)

No change was recorded against any check on this day. Stability & Change Management went from 7 to 10. That category is still filling its 30-day observation window: 2 days of observed history at the previous scan, 3 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-07-28 (score 70, +1)

No change was recorded against any check on this day. Stability & Change Management went from 3 to 7. That category is still filling its 30-day observation window: 1 days of observed history at the previous scan, 2 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-07-27 (score 69, 0)

- [functional] We updated how we score, so this day's move reflects our rubric, not a change to the server

### 2026-07-26 (score 69)

First indexed and scored.

## MCP tools (9)

### `list_insurers` (~33 tokens)

List tracked U.S. health insurers with whether verified CMS-0057-F prior-authorization metrics are available for each.

### `get_insurer_metrics` (~83 tokens)

Get an insurer's verified CY2025 prior-authorization metrics (denial rate, appeal overturn rate, decision times) from its own CMS-0057-F disclosure, plus contract/plan-level rows where collected. Includes source URLs and scope notes.

Input parameters:

- `slug` (string, required): Insurer slug from list_insurers, e.g. 'unitedhealthcare'

### `rank_denial_rates` (~57 tokens)

Insurer prior-authorization denial rates (CY2025), ranked only within compatible reporting cohorts. Each row includes its cohort, rank within that cohort, exact source scope, calculation method, and source link. Never compare ranks across cohorts.

### `get_treatment_outcomes` (~116 tokens)

External-review outcomes for a treatment: how often insurer denials of this treatment/drug/procedure were overturned by independent reviewers (42,749 published CA IMR decisions, 2001–2026). Accepts a category slug (e.g. 'pharmacy') or specific treatment slug (e.g. 'zepbound', 'speech-therapy').

Input parameters:

- `slug` (string, required): Treatment slug, e.g. 'zepbound', 'pharmacy', 'speech-therapy'. Use search_outcomes to find slugs.

### `get_condition_outcomes` (~64 tokens)

External-review outcomes for a medical condition: how often insurance denials involving this condition were overturned, plus the most-fought treatments for it.

Input parameters:

- `slug` (string, required): Condition slug, e.g. 'obesity', 'autism', 'hepatitis-c'

### `search_outcomes` (~83 tokens)

Search treatments (categories + specific drugs/procedures) and conditions by name. Returns slugs for get_treatment_outcomes / get_condition_outcomes plus headline overturn rates.

Input parameters:

- `limit` (integer): Max results per type (default 10)
- `query` (string, required): Search text, e.g. 'wegovy', 'back pain', 'imaging'

### `get_appeal_rights` (~260 tokens)

Deterministically resolve the governing appeal route, missing facts, filing recipient, deadlines, current external-review status, and verified grounds. Distinguishes Original Medicare, Medicare Advantage medical benefits, Part D pharmacy benefits, employer funding/governance, ACA, Medicaid, FEHB, TRICARE, and unknown coverage; unsupported or ambiguous routes fail closed.

Input parameters:

- `appeal_stage` (string)
- `current_status` (string)
- `denial_reason` (string, required): Denial reason category. Use 'prescription-drug' for medication denials — formulary exclusion, step therapy, quantity limits, or drug prior authorization — which return the formulary-exception grounds…
- `drug_channel` (string): For a drug denial, whether the medical or pharmacy benefit applies
- `employer_type` (string): Required to resolve job-based coverage
- `funding_status` (string): Required to resolve job-based state versus federal governance
- `insurer_slug` (string): Insurer slug for insurer-specific stats
- `program` (string, required): Plan type
- `regulatory_marker` (string)
- `regulatory_state_basis` (string)
- `state` (string): Two-letter state code, e.g. 'ca'

### `get_drug_playbook` (~156 tokens)

Drug-specific denial patterns and appeal strategy for the medications plans fight hardest over: GLP-1s (Wegovy, Zepbound, Mounjaro, Ozempic, Saxenda) and IBD biologics (Humira, Skyrizi, Stelara, Entyvio, Remicade, Rinvoq). Returns FDA-approved indications stated conservatively, why plans deny that specific drug, what winning appeals argue, and the step-therapy exception framing — plus the published external-review record for the drug when the corpus has it. Accepts a brand or generic name.

Input parameters:

- `drug` (string, required): Brand or generic drug name, e.g. 'Zepbound', 'ustekinumab'

### `get_state_external_review` (~86 tokens)

How a state's external review process works: filing deadline, regulator contact, and key facts. Verified detail currently covers 10 states (CA, TX, FL, NY, PA, IL, OH, GA, NC, MI); other states return the covered list.

Input parameters:

- `state` (string, required): Two-letter state code, e.g. 'ca', 'ny', 'fl'

## Diagnostics

Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/com-coverage-rights-coverage-rights/api-mcp-2#diagnostics

## Score history

- 2026-08-03: 74
- 2026-08-02: 73
- 2026-08-01: 74
- 2026-07-31: 74
- 2026-07-30: 70
- 2026-07-29: 71
- 2026-07-28: 70
- 2026-07-27: 69
- 2026-07-26: 69

## Links

- Remote endpoint: https://www.coverage-rights.com/api/mcp
- Website: https://www.coverage-rights.com/mcp
- Changelog RSS feed: https://verifymcp.io/servers/com-coverage-rights-coverage-rights/api-mcp-2/changelog.xml
- Changelog JSON feed: https://verifymcp.io/servers/com-coverage-rights-coverage-rights/api-mcp-2/changelog.json
- HTML version of this page: https://verifymcp.io/servers/com-coverage-rights-coverage-rights/api-mcp-2