How to Use the Frontier HSA MCP Server

Frontier HSA provides a remote MCP (Model Context Protocol) server that lets AI assistants like Claude, ChatGPT, and other MCP-compatible clients interact with your health spending account directly. You can check your profile, submit claims, view tax savings, and manage notifications through natural conversation.

What Is MCP?

The Model Context Protocol is an open standard that lets AI assistants connect to external tools and data sources. Think of it as a universal plug that lets your AI talk to Frontier HSA on your behalf.

Getting Started

1. Find the Server URL

The Frontier HSA MCP server is available at:

https://mcp.frontierhsa.ca/mcp

The OAuth 2.1 metadata endpoint for discovery is at:

https://mcp.frontierhsa.ca/.well-known/oauth-authorization-server

2. Connect Your MCP Client

Most MCP clients handle the OAuth 2.1 flow automatically. Add the Frontier HSA server to your client's configuration so it's available in every session.

Claude Desktop — add to claude_desktop_config.json:

{
  "mcpServers": {
    "frontier-hsa": {
      "url": "https://mcp.frontierhsa.ca/mcp"
    }
  }
}

Claude Code — add to your user context so it's always available:

claude mcp add --transport http --scope user frontier-hsa https://mcp.frontierhsa.ca/mcp

Cursor — add globally via Cursor Settings > MCP Tools:

{
  "mcpServers": {
    "frontier-hsa": {
      "url": "https://mcp.frontierhsa.ca/mcp"
    }
  }
}

VS Code — add to your user settings.json:

{
  "mcp": {
    "servers": {
      "frontier-hsa": {
        "type": "http",
        "url": "https://mcp.frontierhsa.ca/mcp"
      }
    }
  }
}

For other clients, see the full setup guide in the MCP Server docs.

When you first connect, your MCP client will open a browser window where you log in with your Frontier HSA account. After logging in, the client receives an access token and can make requests on your behalf.

3. Authorize the Connection

The OAuth 2.1 flow works like this:

1. Your MCP client registers itself with the server automatically
2. You are redirected to your Frontier HSA login page
3. After logging in, you are redirected back to your MCP client
4. The client receives an access token and handles refreshing it

You only need to log in once. The client stores your token and refreshes it automatically.

Available Tools

Once connected, your AI assistant has access to these tools:

Read Your Account

• get_profile - View your name, email, company, benefit class, bank account, and address
• get_tax_savings - See your total reimbursements and estimated tax savings for the year
• get_user_analytics - View claims and reimbursement totals across your company
• list_claims - Browse your claims with optional status filters (under_review, processing_payment, denied, paid)
• get_claim - View a specific claim with receipt details
• list_notifications - Check your notifications, including an unread-only filter

Take Action

• analyze_receipts - Upload and analyze receipt files to extract claim details and storage URLs
• submit_claim - Submit a new claim using fields returned by analyze_receipts
• withdraw_claim - Withdraw a pending claim you no longer want to process
• mark_notification_read - Mark a notification as read
• mark_all_notifications_read - Clear all notification badges

Example Conversations

Here are some things you can ask your AI assistant once connected:

• "How much have I been reimbursed this year?"
• "Show me my pending claims"
• "Analyze this receipt and draft my claim"
• "Submit this analyzed receipt as a claim"
• "What are my estimated tax savings so far?"
• "Show unread notifications only"

Security

• All connections use OAuth 2.1 with PKCE, the latest standard for secure API authorization
• Access tokens expire after 1 hour and are automatically refreshed
• You can revoke access at any time
• The MCP server never sees your password. Authentication happens through your existing Frontier HSA login
• All monetary amounts are handled in cents to avoid rounding errors

Need Help?

If you run into issues connecting your MCP client, reach out to us at hello@frontierhsa.ca or visit our contact page.