OpenChainGraph Suite · ART-769
Medicare Out-of-Pocket Exposure
Walks a modelled year of Medicare utilisation through the cost-sharing rules benefit period by benefit period, then reports what the coverage structure leaves you: the medical out-of-pocket, the drug cost sharing after the plan-year cap, premiums including IRMAA, and a routine / rough / worst-case spread.
RetirementInteger CentsNo ClockZero PIIClient-side only
🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data; use synthetic or anonymised inputs only.
Scope & reliance
Parameters are an as-of question, so the plan year plan_year is an input and the node reads no clock: the same inputs always produce the same result. Every monetary quantity is an integer number of US cents; coinsurance is exact round-half-up integer division by 10000, so there is no floating-point rounding boundary anywhere in the arithmetic. The node charges what Medicare charges - the Part A deductible, the day 61-90 and lifetime-reserve coinsurance, SNF coinsurance on days 21-100, the Part B deductible and coinsurance, and the Part D deductible-then-coinsurance walk capped at the plan-year out-of-pocket threshold. It does not model Part B excess charges above the Medicare-approved amount, non-covered services, the Part D base premium, or the full cost of days after 150 in a benefit period or after 100 SNF days, and it does not count real visits or price any actual plan. Medigap Plan G and Plan N carry no annual ceiling here: the Part B deductible is only the residual they leave, not a cap. The worst-case multiplier (default 4) is a modelling assumption of this tool, not a CMS figure; you can change it below. Income tiers run 0-5 as in the CMS 2026 Part B fact sheet; any other tier is refused. Verify-only estimate - not an official CMS, SSA or plan communication, and not financial, legal or tax advice.
Coverage, utilisation and as-of inputs
Every field below is a
policy_parameters member. Money fields are dollars in the UI and are converted to integer cents in assemblePP(); the kernel only ever sees cents.Result
Parameters applied
Execution Hash & §4 Artifact
SHA-256 execution hash (JCS canonical, RFC 8785):
Ask your agent
Copy this paragraph into Claude, OpenClaw, or any MCP-aware agent to run this exact tool, with this sample, and verify the artifact.
Run the AINumbers MCP tool `compute_medicare_oop_exposure`. Task: Medicare out-of-pocket exposure modeler for a declared plan year.
Call it with arguments: {"policy_parameters":{"plan_year":2026,"coverage_structure":"OriginalOnly","irmaa_tier":0,"benefit_periods":1,"days_per_period":5,"snf_days":0,"part_b_approved_charges_cents":600000,"annual_drug_cost_cents":250000,"part_d_deductible_cents":61500,"supplemental_monthly_premium_cents":16500,"advantage_moop_cents":550000,"advantage_coinsurance_pct":20}}
Verify before trusting: call `verify_execution_hash` on mcp.ainumbers.co (https://mcp.ainumbers.co/mcp) with the parameter `claimed_hash` set to the returned `execution_hash`, passing the full artifact the run returned, not the bare hash string, or re-run the in-page WebMCP tool `compute_medicare_oop_exposure`.
Return the ledger link https://ledger.ainumbers.co/ so a human can re-verify without contacting us.
PII rule: All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data - use synthetic or anonymised inputs only.
Ask your agent
Copy this paragraph into Claude, OpenClaw, or any MCP-aware agent to run this exact tool, with this sample, and verify the artifact.
Run the AINumbers MCP tool `compute_medicare_oop_exposure`. Task: Medicare out-of-pocket exposure modeler for a declared plan year: Part A benefit-period cost sharing, Part B deductible and coinsurance, Part D cost sharing after the plan-year cap, the residual left after a coverage structure, annual premiums including IRMAA, and a routine / rough / worst-case spread.
Call it with arguments: {"policy_parameters":{"coverage_structure":"OriginalOnly","irmaa_tier":0,"benefit_periods":1,"days_per_period":5,"snf_days":0,"part_b_approved_charges_cents":600000,"annual_drug_cost_cents":250000,"part_d_deductible_cents":61500,"supplemental_monthly_premium_cents":16500,"advantage_moop_cents":550000,"advantage_coinsurance_pct":20,"plan_year":2026}}
Verify before trusting: call `verify_execution_hash` on mcp.ainumbers.co (https://mcp.ainumbers.co/mcp) with the parameter `claimed_hash` set to the returned `execution_hash`, passing the full artifact the run returned (the object containing `policy_parameters` + `output_payload` + `execution_hash`; equivalently `policy_parameters` + `output_payload` with `claimed_hash`), not the bare hash string.
Return the ledger link https://ledger.ainumbers.co/ so a human can re-verify without contacting us.
PII rule: All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only.
Over MCP, the run happens on the AINumbers worker. No AINumbers server stores your inputs.
Open the tool with the sample prefilled: https://ainumbers.co/chaingraph/art-769-medicare-oop-exposure.html#p=v1.H4sIAAAAAAAA_wFJAbb-eyJjb3ZlcmFnZV9zdHJ1Y3R1cmUiOiJPcmlnaW5hbE9ubHkiLCJpcm1hYV90aWVyIjowLCJiZW5lZml0X3BlcmlvZHMiOjEsImRheXNfcGVyX3BlcmlvZCI6NSwic25mX2RheXMiOjAsInBhcnRfYl9hcHByb3ZlZF9jaGFyZ2VzX2NlbnRzIjo2MDAwMDAsImFubnVhbF9kcnVnX2Nvc3RfY2VudHMiOjI1MDAwMCwicGFydF9kX2RlZHVjdGlibGVfY2VudHMiOjYxNTAwLCJzdXBwbGVtZW50YWxfbW9udGhseV9wcmVtaXVtX2NlbnRzIjoxNjUwMCwiYWR2YW50YWdlX21vb3BfY2VudHMiOjU1MDAwMCwiYWR2YW50YWdlX2NvaW5zdXJhbmNlX3BjdCI6MjAsInBsYW5feWVhciI6MjAyNn1aQShNSQEAAA