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MCP reference

Compare workplace coverage with Medicare

Use this when someone asks whether Medicare is better or cheaper than their employer insurance, wants a workplace-versus-Medicare comparison, or asks whether to start/delay Part B while working. Call with known facts even when costs, dates or the Medicare path are missing. goal=enrollment_timing reviews age-65 timing only; coverage_value coordinates timing, reported employer costs and the selected MA or Medigap/Part D ranking. It runs the existing ranker once inputs are ready, not just a plan search. Ask the returned next_action question, then reuse comparison_context with only the person’s changes. Keep identity choices and source warnings; never invent dates, eligibility, doctors, medications, pharmacy or Medicaid answers. Empty care lists require explicit omission. Unknown employer creditability does not block supported ranking. Keep employer and Medicare cost scopes separate; results are not total savings or a stay/switch verdict. Use calculate_medicare_enrollment_deadlines for other specific calendars, summarize_reported_employer_costs for arithmetic only, and search_medicare_advantage_plans for availability browsing. Do not use for general education, website navigation, account saving or enrollment. Stop on refusal; nothing is saved. Keep chat brief; choices in UI.

Tool name

compare_employer_coverage_with_medicare

Input schema

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "type": "object",
  "properties": {
    "goal": {
      "default": "coverage_value",
      "type": "string",
      "enum": [
        "coverage_value",
        "enrollment_timing"
      ],
      "description": "The person’s stated Medicare goal, not inferred health information or instructions. Respect the schema’s allowed values."
    },
    "employer": {
      "description": "Only reported workplace facts; employer size does not establish Medicare deferral qualification. Supply employee_premium.deductions_per_year only with frequency=per_paycheck and an explicitly reported annual count; omit it for every_two_weeks or twice_monthly.",
      "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
        },
        "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
        },
        "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
        },
        "coverage_source": {
          "type": "string",
          "enum": [
            "own_job",
            "spouse_job",
            "unknown"
          ]
        },
        "coverage_kind": {
          "type": "string",
          "enum": [
            "active_employment",
            "retiree",
            "cobra",
            "unknown"
          ]
        },
        "employer_size": {
          "type": "string",
          "enum": [
            "under_20",
            "20_or_more",
            "unknown"
          ]
        },
        "covers_dependents": {
          "type": "string",
          "enum": [
            "yes",
            "no",
            "unknown"
          ]
        },
        "prescription_coverage": {
          "type": "string",
          "enum": [
            "yes",
            "no",
            "unknown"
          ]
        },
        "creditable_drug_coverage": {
          "type": "string",
          "enum": [
            "yes",
            "no",
            "unknown"
          ]
        },
        "medicare_parts": {
          "maxItems": 3,
          "type": "array",
          "items": {
            "type": "string",
            "enum": [
              "A",
              "B",
              "D"
            ]
          }
        },
        "options_to_explore": {
          "maxItems": 2,
          "type": "array",
          "items": {
            "type": "string",
            "enum": [
              "medicare_advantage",
              "medigap_and_part_d"
            ]
          }
        }
      },
      "additionalProperties": false
    },
    "employer_costs_unavailable": {
      "description": "True only after the person says they do not know their costs. Continue Medicare lookups without a savings verdict.",
      "type": "boolean"
    },
    "timing": {
      "description": "Known age-65 timing facts only. Unknown dates and employer qualification stay omitted.",
      "type": "object",
      "properties": {
        "turns_65_on": {
          "description": "65th birthday as YYYY, YYYY-MM or YYYY-MM-DD, not date of birth. Do not invent missing precision.",
          "type": "string",
          "pattern": "^(19|20|21)\\d{2}(?:-(0[1-9]|1[0-2])(?:-(0[1-9]|[12]\\d|3[01]))?)?$"
        },
        "birthday_on_first": {
          "description": "Only needed for a month-only 65th birthday: is the birthday on day 1? Omit if unknown.",
          "type": "boolean"
        },
        "age_65_eligibility_month": {
          "description": "Already established age-65 Medicare eligibility month, including any first-day birthday shift. Do not infer from disability/ESRD eligibility.",
          "type": "string",
          "pattern": "^(19|20|21)\\d{2}(?:-(0[1-9]|1[0-2])(?:-(0[1-9]|[12]\\d|3[01]))?)?$"
        },
        "enrollment_month": {
          "description": "Month of the actual or proposed Part B/premium-Part A application. Not a plan year.",
          "type": "string",
          "pattern": "^(19|20|21)\\d{2}(?:-(0[1-9]|1[0-2])(?:-(0[1-9]|[12]\\d|3[01]))?)?$"
        },
        "part_b_start": {
          "description": "First Part B effective month; never a restart month. Used only for federal age-65 Medigap open enrollment.",
          "type": "string",
          "pattern": "^(19|20|21)\\d{2}(?:-(0[1-9]|1[0-2])(?:-(0[1-9]|[12]\\d|3[01]))?)?$"
        },
        "calendar_year": {
          "description": "Explicit calendar year for recurring AEP, MA OEP or GEP dates; never default from a plan catalogue or runtime clock.",
          "type": "integer",
          "minimum": 2023,
          "maximum": 2198
        },
        "currently_in_ma": {
          "description": "User-reported current Medicare Advantage enrollment for MA OEP; unknown is not false.",
          "type": "boolean"
        },
        "ma_oep_change_used": {
          "description": "Whether the person already used their one change in this annual MA OEP; omit if unknown.",
          "type": "boolean"
        },
        "employer": {
          "description": "Only the reported employer coverage facts needed for the requested SEP.",
          "type": "object",
          "properties": {
            "qualifying_current_employment_coverage": {
              "description": "Explicitly reported qualifying group coverage based on own/spouse current employment for age-65 Part B SEP, including required coverage history. Omit if not established: still working, employer size, having employer insurance or creditable drugs alone must never be converted to true. COBRA/retiree coverage alone is not qualifying. This is not verified eligibility.",
              "type": "boolean"
            },
            "employment_end": {
              "description": "When the qualifying employment ends or ended, not when COBRA ends.",
              "type": "string",
              "pattern": "^(19|20|21)\\d{2}(?:-(0[1-9]|1[0-2])(?:-(0[1-9]|[12]\\d|3[01]))?)?$"
            },
            "employment_ongoing": {
              "description": "Explicitly still employed; omission does not mean ongoing.",
              "type": "boolean"
            },
            "group_coverage_end": {
              "description": "When the active-employment group health plan coverage ends or ended.",
              "type": "string",
              "pattern": "^(19|20|21)\\d{2}(?:-(0[1-9]|1[0-2])(?:-(0[1-9]|[12]\\d|3[01]))?)?$"
            },
            "group_coverage_ongoing": {
              "description": "Explicitly still covered under the active-employment group plan.",
              "type": "boolean"
            },
            "plan_coverage_end": {
              "description": "End of employer/union coverage, including COBRA, for MA/Part D plan SEP; independent of Part B SEP.",
              "type": "string",
              "pattern": "^(19|20|21)\\d{2}(?:-(0[1-9]|1[0-2])(?:-(0[1-9]|[12]\\d|3[01]))?)?$"
            }
          },
          "additionalProperties": false
        },
        "drug": {
          "description": "Only the reported drug coverage facts needed for the requested SEP or continuous gap calculation.",
          "type": "object",
          "properties": {
            "involuntary_creditable_loss": {
              "description": "Reported involuntary loss of creditable drug coverage or change making it noncreditable.",
              "type": "boolean"
            },
            "creditable_coverage_end": {
              "description": "Last date/month of creditable drug coverage.",
              "type": "string",
              "pattern": "^(19|20|21)\\d{2}(?:-(0[1-9]|1[0-2])(?:-(0[1-9]|[12]\\d|3[01]))?)?$"
            },
            "loss_notice": {
              "description": "Notification date/month that coverage is no longer creditable; needed to account for a later notice.",
              "type": "string",
              "pattern": "^(19|20|21)\\d{2}(?:-(0[1-9]|1[0-2])(?:-(0[1-9]|[12]\\d|3[01]))?)?$"
            },
            "uncovered_start": {
              "description": "First day of a reported continuous period without Part D AND without other creditable drug coverage.",
              "type": "string",
              "pattern": "^(19|20|21)\\d{2}(?:-(0[1-9]|1[0-2])(?:-(0[1-9]|[12]\\d|3[01]))?)?$"
            },
            "coverage_resumes": {
              "description": "First day drug coverage resumes; excluded from uncovered-day count.",
              "type": "string",
              "pattern": "^(19|20|21)\\d{2}(?:-(0[1-9]|1[0-2])(?:-(0[1-9]|[12]\\d|3[01]))?)?$"
            },
            "as_of": {
              "description": "Count an ongoing reported gap through this date, inclusive. Required if coverage_resumes is unknown.",
              "type": "string",
              "pattern": "^(19|20|21)\\d{2}(?:-(0[1-9]|1[0-2])(?:-(0[1-9]|[12]\\d|3[01]))?)?$"
            },
            "part_d_iep_end": {
              "description": "Actual Part D initial enrollment period end; do not assume it equals age-65 Part A/B IEP.",
              "type": "string",
              "pattern": "^(19|20|21)\\d{2}(?:-(0[1-9]|1[0-2])(?:-(0[1-9]|[12]\\d|3[01]))?)?$"
            },
            "eligible_throughout_gap": {
              "description": "Reported Part D eligibility throughout the counted gap; do not infer it from age.",
              "type": "boolean"
            },
            "extra_help": {
              "description": "Reported Extra Help status for interpreting potential penalty exposure; never inferred.",
              "type": "boolean"
            }
          },
          "additionalProperties": false
        }
      },
      "additionalProperties": false
    },
    "medicare_path": {
      "description": "The path the person explicitly wants to explore first; ask if undecided.",
      "type": "string",
      "enum": [
        "medicare_advantage",
        "medigap_and_part_d"
      ]
    },
    "medicare_advantage": {
      "description": "Known MA ranking inputs, including explicit doctor/medication omissions. Reuse the returned comparison_context branch when answering a selection.",
      "type": "object",
      "properties": {
        "zip": {
          "type": "string",
          "pattern": "^\\d{5}$"
        },
        "county": {
          "type": "string",
          "minLength": 1,
          "maxLength": 60
        },
        "state": {
          "type": "string",
          "pattern": "^[A-Z]{2}$"
        },
        "plan_year": {
          "description": "If omitted, use and disclose the API serving year after resolving the home county. Preserve an explicitly selected supported lineup year.",
          "type": "integer",
          "minimum": -9007199254740991,
          "maximum": 9007199254740991
        },
        "drugs": {
          "maxItems": 10,
          "type": "array",
          "items": {
            "type": "object",
            "properties": {
              "medication": {
                "anyOf": [
                  {
                    "type": "object",
                    "properties": {
                      "query": {
                        "type": "string",
                        "minLength": 2,
                        "maxLength": 100
                      },
                      "option_id": {
                        "type": "string",
                        "pattern": "^[a-f0-9]{64}$"
                      }
                    },
                    "required": [
                      "query",
                      "option_id"
                    ],
                    "additionalProperties": false
                  },
                  {
                    "type": "string",
                    "minLength": 2,
                    "maxLength": 100
                  },
                  {
                    "type": "object",
                    "properties": {
                      "name": {
                        "type": "string",
                        "minLength": 2,
                        "maxLength": 100
                      },
                      "rxcui": {
                        "type": "string",
                        "maxLength": 20
                      },
                      "dosage": {
                        "type": "string",
                        "minLength": 1,
                        "maxLength": 60
                      }
                    },
                    "additionalProperties": false
                  }
                ]
              },
              "quantity": {
                "type": "integer",
                "minimum": 1,
                "maximum": 999
              },
              "days_supply": {
                "anyOf": [
                  {
                    "type": "number",
                    "const": 30
                  },
                  {
                    "type": "number",
                    "const": 60
                  },
                  {
                    "type": "number",
                    "const": 90
                  }
                ]
              }
            },
            "required": [
              "medication"
            ],
            "additionalProperties": false
          }
        },
        "pharmacy": {
          "type": "object",
          "properties": {
            "search": {
              "type": "object",
              "properties": {
                "zip": {
                  "type": "string",
                  "pattern": "^\\d{5}$"
                },
                "q": {
                  "type": "string",
                  "minLength": 2,
                  "maxLength": 100
                },
                "county": {
                  "type": "string",
                  "minLength": 1,
                  "maxLength": 60
                },
                "state": {
                  "type": "string",
                  "pattern": "^[A-Z]{2}$"
                },
                "include_farther": {
                  "default": false,
                  "type": "boolean"
                }
              },
              "required": [
                "zip"
              ],
              "additionalProperties": false
            },
            "option_id": {
              "type": "string",
              "pattern": "^[a-f0-9]{64}$"
            }
          },
          "required": [
            "search",
            "option_id"
          ],
          "additionalProperties": false
        },
        "pharmacy_preference": {
          "type": "string",
          "enum": [
            "retail",
            "mail_order",
            "no_preference"
          ]
        },
        "limit": {
          "default": 10,
          "type": "integer",
          "minimum": 1,
          "maximum": 10
        },
        "health_profile": {
          "description": "The person’s stated healthcare-use band: low, moderate, high, or very_high. Reuse explicit answers; never infer from diagnoses.",
          "type": "object",
          "properties": {
            "utilization": {
              "type": "string",
              "enum": [
                "low",
                "moderate",
                "high",
                "very_high"
              ]
            }
          },
          "additionalProperties": false
        },
        "plan_concerns": {
          "description": "Stated plan concerns. Website scoring recognizes Referrals and Customer service; preserve the person’s explicit answers.",
          "maxItems": 20,
          "type": "array",
          "items": {
            "type": "string",
            "minLength": 1,
            "maxLength": 100
          }
        },
        "doctors": {
          "maxItems": 10,
          "type": "array",
          "items": {
            "anyOf": [
              {
                "type": "object",
                "properties": {
                  "search": {
                    "type": "object",
                    "properties": {
                      "zip": {
                        "type": "string",
                        "pattern": "^\\d{5}$"
                      },
                      "county": {
                        "type": "string",
                        "minLength": 1,
                        "maxLength": 60
                      },
                      "state": {
                        "type": "string",
                        "minLength": 2,
                        "maxLength": 2,
                        "pattern": "^[A-Z]{2}$"
                      },
                      "q": {
                        "type": "string",
                        "minLength": 2,
                        "maxLength": 60
                      },
                      "specialty": {
                        "type": "string",
                        "minLength": 2,
                        "maxLength": 100
                      },
                      "facility": {
                        "type": "string",
                        "minLength": 2,
                        "maxLength": 120
                      },
                      "facility_reference": {
                        "type": "object",
                        "properties": {
                          "search": {
                            "type": "object",
                            "properties": {
                              "q": {
                                "type": "string",
                                "minLength": 2,
                                "maxLength": 120
                              },
                              "zip": {
                                "type": "string",
                                "pattern": "^\\d{5}$"
                              },
                              "county": {
                                "type": "string",
                                "minLength": 1,
                                "maxLength": 60
                              },
                              "state": {
                                "type": "string",
                                "pattern": "^[A-Z]{2}$"
                              },
                              "radius": {
                                "default": 25,
                                "type": "integer",
                                "minimum": -9007199254740991,
                                "maximum": 9007199254740991
                              }
                            },
                            "required": [
                              "q",
                              "zip"
                            ],
                            "additionalProperties": false
                          },
                          "organization_id": {
                            "type": "string",
                            "pattern": "^[a-f0-9]{64}$"
                          },
                          "location_id": {
                            "type": "string",
                            "pattern": "^[a-f0-9]{64}$"
                          }
                        },
                        "required": [
                          "search",
                          "organization_id",
                          "location_id"
                        ],
                        "additionalProperties": false
                      },
                      "pcp_only": {
                        "type": "boolean"
                      },
                      "accepts_medicare_assignment": {
                        "type": "boolean"
                      },
                      "show_offices": {
                        "type": "boolean"
                      },
                      "office_option": {
                        "type": "string",
                        "pattern": "^[a-f0-9]{64}$"
                      }
                    },
                    "required": [
                      "zip"
                    ],
                    "additionalProperties": false
                  },
                  "option_id": {
                    "type": "string",
                    "pattern": "^[a-f0-9]{64}$"
                  }
                },
                "required": [
                  "search",
                  "option_id"
                ],
                "additionalProperties": false
              },
              {
                "type": "string",
                "minLength": 1,
                "maxLength": 100
              },
              {
                "type": "object",
                "properties": {
                  "name": {
                    "type": "string",
                    "minLength": 2,
                    "maxLength": 60
                  },
                  "npi": {
                    "type": "string",
                    "maxLength": 20
                  },
                  "office_zip": {
                    "type": "string",
                    "pattern": "^\\d{5}$"
                  },
                  "county": {
                    "type": "string",
                    "minLength": 1,
                    "maxLength": 60
                  },
                  "state": {
                    "type": "string",
                    "pattern": "^[A-Z]{2}$"
                  },
                  "specialty": {
                    "type": "string",
                    "minLength": 2,
                    "maxLength": 100
                  },
                  "facility": {
                    "type": "string",
                    "minLength": 2,
                    "maxLength": 120
                  }
                },
                "additionalProperties": false
              }
            ]
          }
        },
        "priorities": {
          "maxItems": 16,
          "type": "array",
          "items": {
            "type": "string",
            "enum": [
              "keep-doctors",
              "low-premium",
              "low-oop",
              "drug-coverage",
              "dental",
              "vision",
              "hearing",
              "fitness",
              "otc",
              "transportation",
              "telehealth",
              "meal-delivery",
              "acupuncture",
              "worldwide-coverage",
              "pharmacy-network",
              "benefits"
            ]
          }
        },
        "offer_rx": {
          "description": "False requests MA-only plans without Part D; true or omitted requests plans with Part D. Never infer false from missing medications.",
          "type": "boolean"
        },
        "provider_network_policy": {
          "description": "Defaults to strict_all_in_network when doctors are supplied, otherwise score. An explicit score policy retains the broader API ranking pool. strict_all_in_network requires positive evidence for every selected doctor, including directory-likely matches; it does not certify exact-office participation.",
          "type": "string",
          "enum": [
            "score",
            "strict_all_in_network"
          ]
        },
        "plan_types": {
          "description": "Defaults to the website HMO/PPO pool. Use an explicitly requested network-type subset; this is separate from drug coverage and SNP eligibility.",
          "minItems": 1,
          "maxItems": 3,
          "type": "array",
          "items": {
            "type": "string",
            "enum": [
              "HMO",
              "PPO",
              "PFFS"
            ]
          }
        },
        "medicaid": {
          "type": "string",
          "enum": [
            "yes",
            "no",
            "unsure"
          ]
        },
        "medicaid_cost_sharing": {
          "type": "string",
          "enum": [
            "yes",
            "no",
            "unsure"
          ]
        },
        "full_medicaid_benefits": {
          "type": "string",
          "enum": [
            "yes",
            "no",
            "unsure"
          ]
        },
        "current_plan": {
          "type": "object",
          "properties": {
            "query": {
              "type": "string",
              "minLength": 2,
              "maxLength": 150
            },
            "option_id": {
              "type": "string",
              "pattern": "^[a-f0-9]{64}$"
            }
          },
          "required": [
            "query",
            "option_id"
          ],
          "additionalProperties": false
        },
        "current_plan_name": {
          "type": "string",
          "minLength": 2,
          "maxLength": 150
        },
        "csnp_condition_keys": {
          "maxItems": 7,
          "type": "array",
          "items": {
            "type": "string",
            "enum": [
              "diabetes",
              "heart",
              "copd",
              "esrd",
              "dementia",
              "hiv",
              "mental_health"
            ]
          }
        },
        "vision_profile": {
          "type": "object",
          "properties": {
            "intent": {
              "type": "string",
              "enum": [
                "coverage",
                "priced_need"
              ]
            },
            "wears": {
              "type": "string",
              "enum": [
                "glasses",
                "contacts",
                "both",
                "none"
              ]
            },
            "replacement_cadence": {
              "type": "string",
              "enum": [
                "yearly",
                "every_2_3_years",
                "rarely"
              ]
            },
            "lens_type": {
              "type": "string",
              "enum": [
                "single_vision",
                "progressive",
                "unknown"
              ]
            }
          },
          "additionalProperties": false
        },
        "benefit_choices": {
          "type": "object",
          "properties": {
            "dental": {
              "type": "object",
              "properties": {
                "intent": {
                  "type": "string",
                  "enum": [
                    "coverage",
                    "priced_need"
                  ]
                },
                "annual_spend": {
                  "type": "string",
                  "enum": [
                    "low",
                    "medium",
                    "high",
                    "very_high",
                    "not_sure"
                  ]
                },
                "usage": {
                  "type": "string",
                  "enum": [
                    "preventive",
                    "comprehensive",
                    "both",
                    "unknown"
                  ]
                },
                "situation": {
                  "type": "string",
                  "enum": [
                    "own_teeth",
                    "missing_teeth",
                    "dentures",
                    "not_sure"
                  ]
                },
                "procedure": {
                  "type": "string",
                  "enum": [
                    "crown",
                    "root_canal",
                    "denture",
                    "perio",
                    "extraction",
                    "not_sure"
                  ]
                }
              },
              "additionalProperties": false
            },
            "otc": {
              "type": "object",
              "properties": {
                "intent": {
                  "type": "string",
                  "enum": [
                    "coverage",
                    "priced_need"
                  ]
                },
                "monthly_spend": {
                  "type": "string",
                  "enum": [
                    "low",
                    "medium",
                    "high",
                    "not_sure"
                  ]
                }
              },
              "additionalProperties": false
            },
            "hearing": {
              "type": "object",
              "properties": {
                "intent": {
                  "type": "string",
                  "enum": [
                    "coverage",
                    "priced_need"
                  ]
                },
                "device_tier": {
                  "type": "string",
                  "enum": [
                    "basic",
                    "mid",
                    "premium",
                    "not_sure"
                  ]
                },
                "replacement_timing": {
                  "type": "string",
                  "enum": [
                    "soon",
                    "later",
                    "eventually",
                    "none",
                    "no",
                    "not_sure"
                  ]
                },
                "usage": {
                  "type": "string",
                  "enum": [
                    "current_wearer",
                    "prospective",
                    "exam_only",
                    "not_sure"
                  ]
                }
              },
              "additionalProperties": false
            }
          },
          "additionalProperties": false
        }
      },
      "additionalProperties": false
    },
    "medigap": {
      "description": "Known Medigap letter, rate mode and Part D care inputs. General rates do not need personal demographics; preserve returned continuation.",
      "type": "object",
      "properties": {
        "zip": {
          "type": "string",
          "pattern": "^\\d{5}$"
        },
        "county": {
          "type": "string",
          "minLength": 1,
          "maxLength": 60
        },
        "state": {
          "type": "string",
          "pattern": "^[A-Z]{2}$"
        },
        "plan_year": {
          "description": "If omitted, use and disclose the API serving year after resolving the home county. Preserve an explicitly selected supported lineup year.",
          "type": "integer",
          "minimum": -9007199254740991,
          "maximum": 9007199254740991
        },
        "drugs": {
          "maxItems": 10,
          "type": "array",
          "items": {
            "type": "object",
            "properties": {
              "medication": {
                "anyOf": [
                  {
                    "type": "object",
                    "properties": {
                      "query": {
                        "type": "string",
                        "minLength": 2,
                        "maxLength": 100
                      },
                      "option_id": {
                        "type": "string",
                        "pattern": "^[a-f0-9]{64}$"
                      }
                    },
                    "required": [
                      "query",
                      "option_id"
                    ],
                    "additionalProperties": false
                  },
                  {
                    "type": "string",
                    "minLength": 2,
                    "maxLength": 100
                  },
                  {
                    "type": "object",
                    "properties": {
                      "name": {
                        "type": "string",
                        "minLength": 2,
                        "maxLength": 100
                      },
                      "rxcui": {
                        "type": "string",
                        "maxLength": 20
                      },
                      "dosage": {
                        "type": "string",
                        "minLength": 1,
                        "maxLength": 60
                      }
                    },
                    "additionalProperties": false
                  }
                ]
              },
              "quantity": {
                "type": "integer",
                "minimum": 1,
                "maximum": 999
              },
              "days_supply": {
                "anyOf": [
                  {
                    "type": "number",
                    "const": 30
                  },
                  {
                    "type": "number",
                    "const": 60
                  },
                  {
                    "type": "number",
                    "const": 90
                  }
                ]
              }
            },
            "required": [
              "medication"
            ],
            "additionalProperties": false
          }
        },
        "pharmacy": {
          "type": "object",
          "properties": {
            "search": {
              "type": "object",
              "properties": {
                "zip": {
                  "type": "string",
                  "pattern": "^\\d{5}$"
                },
                "q": {
                  "type": "string",
                  "minLength": 2,
                  "maxLength": 100
                },
                "county": {
                  "type": "string",
                  "minLength": 1,
                  "maxLength": 60
                },
                "state": {
                  "type": "string",
                  "pattern": "^[A-Z]{2}$"
                },
                "include_farther": {
                  "default": false,
                  "type": "boolean"
                }
              },
              "required": [
                "zip"
              ],
              "additionalProperties": false
            },
            "option_id": {
              "type": "string",
              "pattern": "^[a-f0-9]{64}$"
            }
          },
          "required": [
            "search",
            "option_id"
          ],
          "additionalProperties": false
        },
        "pharmacy_preference": {
          "type": "string",
          "enum": [
            "retail",
            "mail_order",
            "no_preference"
          ]
        },
        "limit": {
          "default": 10,
          "type": "integer",
          "minimum": 1,
          "maximum": 10
        },
        "plan_letter": {
          "type": "string",
          "pattern": "^(?:[ABCDFGKLMN]|HD[FG]|MA_CORE|MA_SUPP1A|MN_BASIC|MN_EXT_BASIC)$"
        },
        "personalization": {
          "type": "string",
          "enum": [
            "general",
            "personalized"
          ]
        },
        "age": {
          "type": "integer",
          "minimum": 64,
          "maximum": 99
        },
        "gender": {
          "type": "string",
          "enum": [
            "Male",
            "Female"
          ]
        },
        "tobacco_use": {
          "type": "string",
          "enum": [
            "Yes",
            "No"
          ]
        },
        "gi_status": {
          "type": "string",
          "enum": [
            "yes",
            "no",
            "not_sure",
            "skip"
          ]
        },
        "household_qualified": {
          "type": "string",
          "enum": [
            "yes",
            "no",
            "not_sure",
            "skip"
          ]
        },
        "page": {
          "type": "object",
          "properties": {
            "offset": {
              "type": "integer",
              "minimum": 0,
              "maximum": 10000
            },
            "fingerprint": {
              "type": "string",
              "pattern": "^[a-f0-9]{64}$"
            }
          },
          "required": [
            "offset",
            "fingerprint"
          ],
          "additionalProperties": false
        }
      },
      "additionalProperties": false
    }
  },
  "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.

{
  "jsonrpc": "2.0",
  "id": 3,
  "method": "tools/call",
  "params": {
    "name": "compare_employer_coverage_with_medicare",
    "arguments": {}
  }
}

Connection

POST JSON-RPC to https://tools.thepocketprotector.com/mcp with method tools/call, name compare_employer_coverage_with_medicare, 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

{
  "title": "Compare workplace coverage with Medicare",
  "readOnlyHint": true,
  "openWorldHint": true,
  "destructiveHint": false
}

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

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