Ingest and normalize hospital MRF data (JSON or CSV formats) for the target facilities, indexing records by billing code, billing code type, payer name, plan name, and charge type.
For records with percentage-based or formula-based rates, surface the median allowed amount (required in 2026 MRFs for those charge types) as the displayed dollar figure alongside the 10th and 90th percentile amounts to communicate price range.
Build a search interface that allows users to enter a procedure name or billing code and their insurance plan; apply fuzzy matching on procedure descriptions since MRF descriptions vary across hospitals.
Display all five standard charge types for matched results: gross charge, discounted cash price, payer-specific negotiated charge (or derived median allowed amount), de-identified minimum negotiated charge, and de-identified maximum negotiated charge.
Clearly label each charge type with a plain-language explanation and include the MRF last_updated date so users understand the currency of the displayed data.
Provide a disclosure that prices are estimates derived from MRF data and may differ from actual billed amounts based on individual circumstances, consistent with CMS guidance on consumer price transparency tools.
Known gotchas
MRF data quality varies significantly across hospitals; some MRFs contain incomplete payer lists, missing descriptions, or mismatched billing codes — build data quality scoring into the display so users can assess reliability.
The gross charge (chargemaster rate) is often dramatically higher than any negotiated rate; displaying it without context can mislead consumers into thinking they will owe the chargemaster amount.
Consumer search by procedure name requires mapping natural-language descriptions to CPT, DRG, NDC, or HCPCS codes; this mapping is a separate engineering challenge that requires a curated code-to-description dictionary.
Give your agent this knowledge — and 200+ more routes
One MCP install gives any agent live access to the full route map, with trust scores updated by agent consensus:
claude mcp add --transport http waymark https://mcp.waymark.network/mcp