# Summarize user-reported employer costs

Use this when someone only wants their reported employer premium converted to monthly/yearly amounts or their workplace costs organized. For whether Medicare is better or cheaper, use compare_employer_coverage_with_medicare to continue through the selected plan ranking. This arithmetic tool accepts known premium amount, frequency, individual/family scope, deductible and medical out-of-pocket limit; missing costs remain unknown. It does not look up employer benefits, determine eligibility, recommend dropping coverage or save information. Do not add deductibles or limits to premiums as expected spending or treat family premiums as individual savings. 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

`summarize_reported_employer_costs`

## Input schema

```json
{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "type": "object",
  "properties": {
    "employee_premium": {
      "type": "object",
      "properties": {
        "amount": {
          "anyOf": [
            {
              "type": "number",
              "minimum": 0,
              "maximum": 1000000
            },
            {
              "type": "null"
            }
          ]
        },
        "currency": {
          "type": "string",
          "const": "USD"
        },
        "frequency": {
          "type": "string",
          "enum": [
            "monthly",
            "twice_monthly",
            "every_two_weeks",
            "weekly",
            "annual",
            "per_paycheck",
            "unknown"
          ]
        },
        "deductions_per_year": {
          "type": "integer",
          "minimum": 1,
          "maximum": 366
        },
        "scope": {
          "type": "string",
          "enum": [
            "individual",
            "family",
            "unknown"
          ]
        }
      },
      "required": [
        "amount",
        "currency",
        "frequency",
        "scope"
      ],
      "additionalProperties": false,
      "description": "User-reported employee contribution with payment frequency and individual/family scope; not the employer’s contribution."
    },
    "deductible": {
      "type": "object",
      "properties": {
        "amount": {
          "anyOf": [
            {
              "type": "number",
              "minimum": 0,
              "maximum": 1000000
            },
            {
              "type": "null"
            }
          ]
        },
        "scope": {
          "type": "string",
          "enum": [
            "individual",
            "family",
            "unknown"
          ]
        }
      },
      "required": [
        "amount",
        "scope"
      ],
      "additionalProperties": false,
      "description": "Reported deductible and its individual/family scope; unknown amounts remain unknown."
    },
    "medical_out_of_pocket_limit": {
      "type": "object",
      "properties": {
        "amount": {
          "anyOf": [
            {
              "type": "number",
              "minimum": 0,
              "maximum": 1000000
            },
            {
              "type": "null"
            }
          ]
        },
        "scope": {
          "type": "string",
          "enum": [
            "individual",
            "family",
            "unknown"
          ]
        }
      },
      "required": [
        "amount",
        "scope"
      ],
      "additionalProperties": false,
      "description": "Reported medical out-of-pocket limit and scope, not expected annual spending."
    },
    "coverage_source": {
      "type": "string",
      "enum": [
        "own_job",
        "spouse_job",
        "unknown"
      ],
      "description": "Reported source of workplace coverage. No employer benefits are looked up."
    },
    "coverage_kind": {
      "type": "string",
      "enum": [
        "active_employment",
        "retiree",
        "cobra",
        "unknown"
      ],
      "description": "Reported individual/family coverage category; do not infer it from premium amount."
    },
    "employer_size": {
      "type": "string",
      "enum": [
        "under_20",
        "20_or_more",
        "unknown"
      ],
      "description": "Reported employer-size category; unknown is allowed. Not verified coordination-of-benefits evidence."
    },
    "covers_dependents": {
      "type": "string",
      "enum": [
        "yes",
        "no",
        "unknown"
      ],
      "description": "Whether dependents are included, as reported by the person; never assume."
    },
    "prescription_coverage": {
      "type": "string",
      "enum": [
        "yes",
        "no",
        "unknown"
      ],
      "description": "Reported prescription benefit status; not verified formulary coverage."
    },
    "creditable_drug_coverage": {
      "type": "string",
      "enum": [
        "yes",
        "no",
        "unknown"
      ],
      "description": "Reported creditable-coverage status; do not verify or infer it here."
    },
    "medicare_parts": {
      "maxItems": 3,
      "type": "array",
      "items": {
        "type": "string",
        "enum": [
          "A",
          "B",
          "D"
        ]
      },
      "description": "Medicare parts the person reports having; not enrollment verification."
    },
    "options_to_explore": {
      "maxItems": 2,
      "type": "array",
      "items": {
        "type": "string",
        "enum": [
          "medicare_advantage",
          "medigap_and_part_d"
        ]
      },
      "description": "Options the person wants to explore; does not authorize a recommendation or coverage change."
    }
  },
  "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": "summarize_reported_employer_costs",
    "arguments": {}
  }
}
```

## Connection

POST JSON-RPC to https://tools.thepocketprotector.com/mcp with method `tools/call`, name `summarize_reported_employer_costs`, 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": "Summarize user-reported employer costs",
  "readOnlyHint": true,
  "openWorldHint": false,
  "destructiveHint": false
}
```

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