Getting it into your agent
One page per mod, every tool's command on it. A separate URL per tool would split the same page into five that compete with each other.
npx skills add ThomasMoreAI/legal-skills-open --skill negativa-cobertura-saude-suplementar-sbroggioadvgit clone --depth 1 https://github.com/ThomasMoreAI/legal-skills-openWrote this? Show the measurements
A badge with what this costs and how it scanned, read live from this page, so it follows the numbers instead of freezing them. Markdown for a README, HTML for a documentation site or a project page.
[](https://agentmods.dev/skills/thomasmoreai/legal-skills-open/negativa-cobertura-saude-suplementar-sbroggioadv)<a href="https://agentmods.dev/skills/thomasmoreai/legal-skills-open/negativa-cobertura-saude-suplementar-sbroggioadv"><img src="https://agentmods.dev/badge/skills/thomasmoreai/legal-skills-open/negativa-cobertura-saude-suplementar-sbroggioadv/github.svg" alt="Measured on agentmods" height="20"></a>Or the 80×15 button, for a site that already has a row of RSS and ATOM ones. Only the verdict fits; the numbers stay here.
<a href="https://agentmods.dev/skills/thomasmoreai/legal-skills-open/negativa-cobertura-saude-suplementar-sbroggioadv"><img src="https://agentmods.dev/badge/skills/thomasmoreai/legal-skills-open/negativa-cobertura-saude-suplementar-sbroggioadv.svg" alt="Reviewed on agentmods" width="80" height="20"></a>What it costs to keep this loaded
Counted locally with the o200k_base tokenizer, which is exact for GPT models; Claude uses its own tokenizer and its counts differ. Treat this as one consistent yardstick across the catalogue rather than a bill. Prices are per million input tokens.
| Model | Per session | Once invoked |
|---|---|---|
| Fable 5.1 | $0.00142 | $0.01573 |
| Opus 5.5 | $0.00057 | $0.00629 |
| Sonnet 5.5 | $0.00028 | $0.00315 |
| Haiku 4.5 | $0.00014 | $0.00157 |
Grade A, and why
negativa-cobertura-saude-suplementar-sbroggioadv scanned grade A with 0 findings against 26 rules in 11 categories — prompt injection, anti-refusal, data exfiltration, privilege escalation, supply chain, agent snooping, system-prompt leakage, SSRF and excessive agency — measured 22d ago.
A static scan of the body, not an audit. Every finding is printed with the line that produced it so you can judge whether it matters here. A mod is markdown that instructs an agent; that is exactly why what it instructs is worth reading.
Nothing flagged
None of the 26 patterns this scan looks for appear in this file: no shell pipes, no recursive deletes, no credential paths, no hidden text, no instruction-override or anti-refusal phrasing, no agent-config snooping. That is not a guarantee, it is the absence of the things that are checkable.
How it starts
The opening of the file, as written. The whole thing — 91 lines — stays where its author put it; the contents beside it link to each section on GitHub.
Negativa de cobertura — saúde suplementar
Quando esta skill entra
Toda negativa (ou demora/omissão equivalente à negativa) de autorização por operadora de
plano de saúde para procedimento, exame, cirurgia, material ou medicamento — dentro ou
fora do rol da ANS —, pela ótica contratual/CDC/ANS. Não é a via clínico-oncológica
específica (acao-negativa-cobertura-oncologica do direito-medico-adv-os) nem TEA, OPME
ou home care clínico — ver Fronteira.
Base normativa
- Lei 9.656/1998, art. 10, § 12 (redação da Lei 14.454/2022): o rol da ANS é referência básica para os planos contratados a partir de 01/01/1999.
- Lei 9.656/1998, art. 10, § 13: fora do rol, a cobertura deve ser autorizada quando há prescrição do médico/odontólogo assistente e (I) comprovação de eficácia científica ou (II) recomendação da Conitec/órgão de renome internacional.
- CDC (Lei 8.078/1990), art. 6º, VIII: inversão do ônus da prova a favor do consumidor, a critério do juiz, quando verossímil a alegação ou hipossuficiente o consumidor.
- Súmula 608/STJ (vigente): aplica-se o CDC aos contratos de plano de saúde, salvo os administrados por entidades de autogestão.
O teste — cinco requisitos cumulativos da ADI 7265/STF (Pleno, 18/09/2025)
O § 13 do art. 10 conecta os incisos por "ou" — mas o STF, em interpretação conforme com efeito vinculante, endureceu o teste: cobertura fora do rol só é devida com os cinco requisitos abaixo, cumulativamente. Redigir a peça só com o "ou" do § 13 é redigir para perder — a defesa da operadora tem a ADI 7265 como tese central, reafirmada pelo STF em abril/2026 ("cobertura fora do rol exige prova técnica").
- Prescrição por médico ou odontólogo assistente habilitado — junte o laudo/relatório.
- Inexistência de negativa expressa da ANS, nem pendência de análise em Proposta de Atualização do Rol (PAR) — verifique se há PAR em curso sobre o item.
- Ausência de alternativa terapêutica adequada já prevista no rol — a peça precisa afastar, com o laudo do assistente, cada alternativa listada que a operadora invocar.
- Eficácia e segurança comprovadas por medicina baseada em evidências de alto grau ou Avaliação de Tecnologias em Saúde (ATS) — artigos, protocolos, ATS.
- Registro na Anvisa do tratamento/medicamento/dispositivo.
What ships with it
1 file beside SKILL.md in the same directory: the scripts, references and assets a skill reads on demand. Not counted in the per-session cost; read them before you install if any of them is executable.
What this file has done since we first saw it
Hashed on every crawl. A supply-chain change to an agent config is a question of when, not whether, so the history is kept rather than the latest state alone.
- 22d ago First seen · 91 lines · 142 tokens per session scan A 330a9a75dc7b
negativa-cobertura-saude-suplementar-sbroggioadv is a skill published in the GitHub repository ThomasMoreAI/legal-skills-open (95 stars, last pushed 15d ago), licensed Apache-2.0. It adds 142 tokens to every session and 1,573 once invoked, about $0.0006 per session on Opus 5.5. A static security scan graded it A with 0 findings. No closer match exists in the catalogue, so it is treated as the original; first seen 2026-10-06.
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