# Get a Medigap letter’s coverage details

Use this when someone asks what a standard Medigap letter covers, its published carrier premium ranges or coverage documents. State alone permits an overview; ZIP adds location context. Confirm an ambiguous insurer. No age, gender or tobacco questions are needed for benefits. Published ranges are not personalized quotes; the year selects baseline figures/documents, not guaranteed premium vintage. Do not substitute G for another letter or a state-specific/high-deductible product. Use compare_medigap_options for supported rate/ranking requests. Medigap is not MA network or Part D coverage. Use the app as the answer. Do not repeat its options in a list, table or explanation. Ask one short question if input is required; otherwise stop.

## Tool name

`get_medigap_plan_details`

## Input schema

```json
{
  "type": "object",
  "properties": {
    "plan_letter": {
      "type": "string",
      "pattern": "^[ABCDFGKLMNabcdfgklmn]$",
      "description": "Selected standard Medigap letter A, B, C, D, F, G, K, L, M or N; ask when unknown. No high-deductible or state-specific substitution."
    },
    "zip": {
      "type": "string",
      "pattern": "^[0-9]{5}$",
      "description": "Residential ZIP, reused when known. Resolve county before details; returned prices may still be statewide."
    },
    "county": {
      "type": "string",
      "description": "Confirmed county for the ZIP; omit when unknown so the lookup can clarify."
    },
    "state": {
      "type": "string",
      "enum": [
        "AL",
        "AK",
        "AZ",
        "AR",
        "CA",
        "CO",
        "CT",
        "DE",
        "DC",
        "FL",
        "GA",
        "HI",
        "ID",
        "IL",
        "IN",
        "IA",
        "KS",
        "KY",
        "LA",
        "ME",
        "MD",
        "MA",
        "MI",
        "MN",
        "MS",
        "MO",
        "MT",
        "NE",
        "NV",
        "NH",
        "NJ",
        "NM",
        "NY",
        "NC",
        "ND",
        "OH",
        "OK",
        "OR",
        "PA",
        "RI",
        "SC",
        "SD",
        "TN",
        "TX",
        "UT",
        "VT",
        "VA",
        "WA",
        "WV",
        "WI",
        "WY",
        "PR",
        "VI",
        "GU",
        "AS",
        "MP"
      ],
      "description": "Two-letter state code, derived from ZIP/county or the supplied state name. State alone permits a statewide overview."
    },
    "carrier": {
      "type": "string",
      "minLength": 2,
      "maxLength": 100,
      "description": "Optional familiar insurance company name. Matching legal companies may need selection."
    },
    "selected_carrier": {
      "type": "string",
      "pattern": "^[a-f0-9]{64}$",
      "description": "Internal option reference returned by this tool. Reuse the same letter, carrier query, location and year; never invent it."
    },
    "plan_year": {
      "type": "integer",
      "minimum": 2024,
      "maximum": 2035,
      "description": "Requested baseline/document year. If omitted, use and disclose the returned service default; not a date filter or guarantee of premium vintage."
    },
    "topic": {
      "type": "string",
      "enum": [
        "overview",
        "benefits",
        "costs",
        "documents"
      ],
      "default": "overview",
      "description": "Answer the requested question: overview, benefits, published costs, or coverage documents."
    }
  },
  "required": [
    "plan_letter"
  ],
  "additionalProperties": false
}
```

## Example request

Minimal synthetic request after initialization. A missing-input clarification is a valid result; do not invent personal facts to complete it. For content retrieval, replace the illustrative fixture ID with an ID returned by search.

```json
{
  "jsonrpc": "2.0",
  "id": 3,
  "method": "tools/call",
  "params": {
    "name": "get_medigap_plan_details",
    "arguments": {
      "plan_letter": "G"
    }
  }
}
```

## Connection

POST JSON-RPC to https://tools.thepocketprotector.com/mcp with method `tools/call`, name `get_medigap_plan_details`, and arguments matching the schema above. Call `tools/list` to verify deployed availability.

## Results and errors

Read both `content` and `structuredContent`. Follow returned clarification or continuation steps. Preserve source attribution, dates, uncertainty and scope. `isError: true` means the lookup did not complete. HTTP 429 requires waiting for `Retry-After`; never repeatedly retry an unavailable lookup.

## Tool annotations

```json
{
  "title": "Get a Medigap letter’s coverage details",
  "readOnlyHint": true,
  "openWorldHint": true,
  "destructiveHint": false
}
```

Authentication: public, no account or API key required. Public tools perform no enrollment or account writes.