Production denial intelligence over MCP and HTTP. 17,440 CPT codes, 20+ payer behavioral profiles, OAuth 2.1 self-serve registration — no sales call to start.
One POST to /api/oauth/register (RFC 7591 dynamic client registration). You get a client_id on the Free tier immediately — no sales call, no approval queue.
Standard OAuth 2.1 authorization-code flow with PKCE (S256); consent approval is currently manual — same-day by email. Exchange the code at /api/oauth/token for a 1-hour bearer token plus a rotating refresh token.
Hit the MCP endpoint at /api/mcp with your bearer token — JSON-RPC over HTTP, or connect any MCP-capable agent directly.
curl -X POST https://app.coverageunlocked.com/api/mcp \
-H "Authorization: Bearer YOUR_ACCESS_TOKEN" \
-H "Content-Type: application/json" \
-d '{
"jsonrpc": "2.0",
"id": 1,
"method": "tools/call",
"params": {
"name": "denial_lookup",
"arguments": {
"cpt_code": "27447",
"payer_id": "uhc"
}
}
}'Returns the national denial rate, payer-specific rate, top denial reasons with appeal success rates, overturn rate, and appeal cost data for CPT 27447 (total knee arthroplasty) at UnitedHealthcare.
Two production MCP tools query the denial database directly. Same args, same result — closed-world data reads, not generative output.
denial_lookup — denial rates, top denial reasons, overturn rates, and appeal costs by CPT code and payerappeal_economics — expected recovery, appeal cost, ROI, and net expected value for a denied claimBuilt from CMS HCPCS, PFS RVU, and NCCI public data plus 20 years of payer-side pattern knowledge. Every response carries provenance.
Register a client via OAuth (no sales call) and you're on the Free tier immediately — 100 calls to probe the API for 30 days. Upgrade self-serve when you're ready to ship.
Above 100K calls/month? Enterprise adds self-hosted deployment, white-label, BAA execution, and custom SLA.
Self-serve API tiers (Free, Starter, Pro, Scale) license you to call the API and use responses within your own applications and workflows — including embedding denial-intelligence features in your product. They do not license: (1) systematic extraction or replication of the denial-intelligence database — crawling endpoints to rebuild the dataset outside the API, (2) reselling or proxying direct API access to third parties (your application's end users receiving responses inside your product is fine), or (3) white-label redistribution where CoverageUnlocked intelligence constitutes the substance of a product you sell. Those require an Enterprise or white-label agreement — ned@coverageunlocked.com.
Registered via /api/oauth/register? Paste your client_id and pick a tier — checkout is Stripe, activation is automatic on payment.
Check usage anytime: GET /api/developer/usage with your bearer token.