Free public MCP · no account required

Search healthcare payers from your AI application.

Substrate Payer Search gives any MCP-compatible AI application payer names, aliases, IDs, published transaction capabilities, and operational signals—free, with no login or API key.

Streamable HTTPhttps://mcp.substrateai.com/payers

Free public beta · no authentication requiredView status

Keep the public tool PHI-free. Use payer-identifying text only. Patient-, member-, claim-, and credential-level actions belong in Substrate's separately authenticated MCP tools.

Authenticated MCP beta

Move from payer discovery to revenue-cycle action.

The free payer MCP is the public discovery layer. Substrate's authenticated MCP suite brings the rest of the platform's power into approved AI workflows with organization-specific access controls, security review, and guided onboarding. We are onboarding beta partners now.

Claim status

Retrieve claim-level status and turn payer responses into structured next steps.

Eligibility

Verify member eligibility and benefits through secured, authenticated workflows.

Payer portals

Orchestrate credentialed portal work without exposing credentials to the public payer tool.

Claims and appeals

Prepare, submit, and manage transaction workflows with Substrate's revenue-cycle agents.

Request authenticated MCP beta access Explore Substrate ARC

Overview

One safe tool for payer discovery.

Resolve identity

Search full or partial payer names, aliases, payer IDs, program codes, parent groups, and vendor trading-partner IDs.

Inspect routes

Filter published eligibility, claim-status, clearinghouse, portal automation, phone-agent, and appeals capabilities.

Use operational context

Review public reliability, answering, and recency signals and link users to the canonical payer profile.

Installation

Connect without an API key.

Claude.ai and Claude Desktop

Remote connector

Open Settings → Connectors → Add custom connector. Name it Substrate Payer Search, enter the endpoint, and leave authentication unset.

https://mcp.substrateai.com/payers

Claude Code

CLI

claude mcp add --transport http substrate-payers \
  https://mcp.substrateai.com/payers
claude mcp list

Codex

CLI and app

codex mcp add substrate-payers \
  --url https://mcp.substrateai.com/payers
codex mcp list

Cursor

.cursor/mcp.json

{
  "mcpServers": {
    "substrate-payers": {
      "type": "http",
      "url": "https://mcp.substrateai.com/payers"
    }
  }
}

VS Code and GitHub Copilot

.vscode/mcp.json

{
  "servers": {
    "substrate-payers": {
      "type": "http",
      "url": "https://mcp.substrateai.com/payers"
    }
  }
}

Any Streamable HTTP client

Generic configuration

Add a remote MCP server with the endpoint below. Authentication and custom headers are not required.

name: Substrate Payer Search
transport: streamable-http
url: https://mcp.substrateai.com/payers

Tool reference

`search_for_payer`

Searches Substrate's public payer directory and returns structured payer records. The text query is required; filters narrow the matching payer endpoints.

Argument	Type	Purpose
`query`	string, required	Name, alias, payer ID, employer ID, program, group, or vendor ID.
`limit`	integer, 1–25	Maximum returned payer endpoints; default 10.
`offset`	integer	Zero-based pagination offset.
`capabilities`	array	Claim status, eligibility, ECS, portal, phone, or appeals.
`capability_match`	all or any	Combines multiple capability filters.
`reliability`	array	Supported, flaky, unsupported, or unproven public labels.
`answering`	boolean	Filters on the recent public answering signal.
`states`	string array	Two-letter operating states.
`lines_of_business`	string array	Published lines of business.
`programs`	string array	Published payer program codes.
`parent_payer_group_id`	string	Exact public parent group identifier.
`network_family`	bcbs or cigna	Supported payer-network family.

published=false means Substrate has not published that route. It is not proof that a payer can never support it.

Example prompts

Start with payer identity and routing.

Which payer matches payer ID 62308?
Find the payer matching the alias CHLIC and link me to its canonical profile.
Find Cigna and summarize its published claim-status and eligibility routes.
Find Blue Cross payer endpoints in California with a published 276/277 route.
Compare the public answering, reliability, and recency signals for the top Centene matches.

Marketplace reviewers and client implementers can download the five positive and three negative acceptance cases.

Trust and support

Clear public-service boundaries.

PrivacyHow Substrate handles information TermsTerms governing the hosted service Service statusCurrent availability and incidents Support[email protected] Trust & securitySOC 2 and HIPAA program information Authenticated MCP betaTalk to our team about activation Company changelogProduct releases and improvements

MCP changelog

Public protocol releases.

0.1.0 — Public payer searchJuly 21, 2026

Introduced the read-only search_for_payer tool. The canonical dedicated gateway, public documentation, registry manifest, discovery metadata, Origin validation, and dependency readiness checks are included in the August 2026 publication update.