MCP server quickstart

The Wise Senior runs a Model Context Protocol (MCP) server that gives AI assistants the same verified Medicare-cost and Social-Security data that powers this site. Every response cites the rule pack it computed from — packId, verifiedDate, and the official sourceUrl — so an assistant can show a person exactly where each figure came from rather than asserting it.

Tools refuse rather than guess. If the pack behind a figure is not verified for the year asked about, the tool returns a plain explanation instead of a number. Unverified data earns nothing here, and that applies to machines too.

Endpoint

https://api.cosyslabs.com/thewisesenior/mcp

Claude Desktop

Add the server to your claude_desktop_config.json using the streamable HTTP transport:

{
  "mcpServers": {
    "thewisesenior": {
      "type": "streamable-http",
      "url": "https://api.cosyslabs.com/thewisesenior/mcp"
    }
  }
}

Then ask something like: “What is the standard Part B premium this year, and at what income does the first IRMAA surcharge start for someone filing jointly?” or “If my benefit at full retirement age is $2,400 a month, what would I get at 62 and at 70, and where is the break-even?”

ChatGPT and other clients

Any MCP-capable client works with the same endpoint. In ChatGPT, add the server URL as a custom connector under Settings → Connectors (developer mode); in other clients, register the endpoint as a streamable-HTTP MCP server. No API key and no account are required.

What the data covers

Tools are generated from this site’s calculator registry and land wing by wing, as each wing’s rule packs are verified against their official sources — so the server’s own tools/list response is always the authority on what is live today. Coverage follows the four sections of the site:

• 🩺What Medicare Costs — What Medicare actually costs you in a year — the Part B premium, the IRMAA surcharge that surprises higher-income retirees two years after the fact, Part D, deductibles, and the late-enrollment penalties that never go away. Every figure comes from the CMS document that set it, with the year it took effect printed beside it.
• 📅When to Take Social Security — The claiming-age decision, worked honestly. Compare what 62, your full retirement age, and 70 actually pay using the benefit figure on your own Social Security statement — plus the break-even math and its limits, the survivor benefit most calculators ignore, the earnings test, and how much of your benefit is taxable.
• 🏡Paying for Care — What home care, assisted living, and nursing homes cost in your state, and — the part most cost calculators skip — who actually pays for each one. Medicare, Medicaid, VA Aid and Attendance, long-term care insurance, and out of pocket, laid out plainly, with the programs you may already qualify for.
• 🗓️Checklists & Dates — Print-first checklists and personalized date calendars: what to do the year you turn 65, what to re-check every fall during open enrollment, what to gather before helping a parent, and your own enrollment and claiming dates worked out from your birthday — downloadable to your calendar.

Underneath them sit the rule packs themselves: CMS premium, deductible, and IRMAA bracket packs by year; Social Security constants including the cost-of-living adjustment, the earnings-test limits, and the full-retirement-age table by birth year; state eldercare cost figures; and the state SHIP counseling directory. Each pack can also be fetched raw — see the Developers page.

Rules of the road

Everything the server returns is an estimate for informational purposes only — not financial, tax, legal, or insurance advice. Only Social Security, the Centers for Medicare & Medicaid Services, a state Medicaid agency, or the Department of Veterans Affairs can determine an actual amount, and tool responses say so.

One hard limit applies to anything built on this server, the same limit that applies to us: it must not be used to recommend, rank, or sell a Medicare plan. The data here describes what things cost and when the deadlines fall. Choosing coverage belongs to the Medicare Plan Finder at medicare.gov, to 1-800-MEDICARE, or to a free state SHIP counselor — and an assistant answering a plan question should send the person there.