add more descriptable dtq/review reasons

src/services/estimation_service_v2.py

@@ -1,7 +1,7 @@
 from datetime import date
 from enum import Enum
 import json
-from typing import Optional
+from typing import Optional, Union
 from src.cache.drug_cache import fetch_drug_with_dosage
 from src.models import PHQ, Applicant, Plan, EstimationResponse, EstimationDetails, EstimationResult
 from src.cache.redis_cache import fetch_conditions, get_plan_by_id, search_drug
@@ -315,12 +315,12 @@ class EstimationService:
             print(f"AI DTQ Response: {response_json}")
             ai_response = json.loads(response_json)
             dtq = not ai_response["insurable"]
-            reason = ai_response["reason"]
+            reason = "[AI] " + ai_response["reason"]
             return dtq, reason
         except Exception as e:
             print(f"Error in AI DTQ check: {e}")
-            # Fallback to not DTQ on error
+            # Fallback to DTQ on error
-            return False, ""
+            return True, f"Error on AI service: {e}"
 
     def check_dtq(self, phq: PHQ) -> tuple[bool, str]:
         for medication in phq.medications:
@@ -330,26 +330,26 @@ class EstimationService:
         uninsurable_conditions = [condition["key"] for condition in uninsurable_conditions_response]
 
         if phq.pregnancy:
-            return True, "Pregnancy"
+            return True, "Applicant is pregnant"
         
         for issue in phq.issues:
             if issue.key == "surgery":
                 for detail in issue.details:
                     if detail.key == "not_performed":
-                        return True, "Surgery that was not performed"
+                        return True, "Applicant have surgery that was not performed"
     
         for condition in phq.conditions:
             if condition.key in uninsurable_conditions:
-                return True, f"Condition: {condition.key}"
+                return True, f"Applicant have uninsurable condition: {condition.key}"
 
         # issues would be checked by AI
-        return False, None
+        return False, ""
 
     def calculate_age(self, born):
         today = date.today()
         return today.year - born.year - ((today.month, today.day) < (born.month, born.day))
 
-    async def calculate_rx_spend(self, phq: PHQ, applicant_id: int) -> (float, list[str]):
+    async def calculate_rx_spend(self, phq: PHQ, applicant_id: int) -> tuple[float, list[str]]:
         rx_spend = 0
         review_reasons = []
         for medication in phq.medications:
@@ -391,7 +391,7 @@ class EstimationService:
                 pass
         return rx_spend, review_reasons
 
-    def get_tier(self, coverage: int, rx_spend: float) -> Optional[Tier]:
+    def get_tier(self, coverage: int, rx_spend: float) -> tuple[Tier | None, str | None]:
         tiers = [
             Tier.TIER_1, Tier.TIER_15, Tier.TIER_2, Tier.TIER_25, Tier.TIER_3, Tier.TIER_35,
             Tier.TIER_4, Tier.TIER_45, Tier.TIER_5, Tier.TIER_55, Tier.TIER_6, Tier.TIER_65, Tier.TIER_7
@@ -409,9 +409,9 @@ class EstimationService:
 
         for i, threshold in enumerate(rates[coverage]):
             if rx_spend <= threshold:
-                return tiers[i]
+                return tiers[i], None
         
-        return None
+        return None, f"Rx spend ({rx_spend}) is greater than {rates[coverage][-1]} for coverage {coverage}"
 
     def get_plan_coverage(self, plan: Plan):
         plan_data = get_plan_by_id(plan.id)
@@ -447,10 +447,11 @@ class EstimationService:
         is_dtq, reason = self.check_dtq(phq)
         if not is_dtq:
             is_dtq, reason = await self.check_dtq_ai(phq)
-        if reason:
+        if is_dtq:
             dtq_reasons.append(reason)
 
         max_age = max(self.calculate_age(applicant.dob) for applicant in applicants)
+        base_tier = None
         for base_age, tier in BASE_TIERS.items():
             if max_age <= base_age:
                 base_tier = tier
@@ -459,7 +460,12 @@ class EstimationService:
         plan_coverage = self.get_plan_coverage(plans[0])
         rx_spend = 0
         for applicant_id, applicant in enumerate(applicants):
+            applicant_review_reasons = []
+            applicant_dtq_reasons = []
+            applicant_accept_reasons = []
+
             applicant_age = self.calculate_age(applicant.dob)
+            applicant_tier = None
             for base_age, tier in BASE_TIERS.items():
                 if applicant_age <= base_age:
                     applicant_tier = tier
@@ -467,25 +473,32 @@ class EstimationService:
 
             if applicant_age >= 65:
                 is_dtq = True
-                reason = "Age is over 65"
+                reason = f"Applicant age {applicant_age} is over 65"
                 dtq_reasons.append(reason)
+                applicant_dtq_reasons.append(reason)
             
             if (applicant.heightFt, applicant.heightIn) in HEIGHT_WEIGHT_TABLE:
                 w1, w2, w3, w4 = HEIGHT_WEIGHT_TABLE[(applicant.heightFt, applicant.heightIn)]
                 if applicant.weight < w1:
                     is_dtq = True
-                    reason = "Declined due to low BMI of one or more applicants"
+                    reason = f"Applicant weight {applicant.weight}lbs is less than {w1}, at height {applicant.heightFt}' {applicant.heightIn}''"
                     dtq_reasons.append(reason)
+                    applicant_dtq_reasons.append(reason)
                 elif w1 <= applicant.weight < w2:
                     is_review = True
-                    review_reasons.append("low BMI of one or more applicants")
+                    weight_reason = f"Applicant weight {applicant.weight}lbs is less than {w2}, at height {applicant.heightFt}' {applicant.heightIn}''"
+                    review_reasons.append(weight_reason)
+                    applicant_review_reasons.append(weight_reason)
                 elif w3 <= applicant.weight < w4:
                     is_review = True
-                    review_reasons.append("high BMI of one or more applicants")
+                    weight_reason = f"Applicant weight {applicant.weight}lbs is greater than {w3-1}, at height {applicant.heightFt}' {applicant.heightIn}''"
+                    review_reasons.append(weight_reason)
+                    applicant_review_reasons.append(weight_reason)
                 elif applicant.weight >= w4:
                     is_dtq = True
-                    reason = "Declined due to high BMI of one or more applicants"
+                    reason = f"Applicant weight {applicant.weight}lbs is greater than {w4-1}, at height {applicant.heightFt}' {applicant.heightIn}''"
                     dtq_reasons.append(reason)
+                    applicant_dtq_reasons.append(reason)
 
             rx_spend_applicant, rx_review_reasons = await self.calculate_rx_spend(phq, applicant_id)
             if rx_review_reasons:
@@ -494,17 +507,26 @@ class EstimationService:
 
             rx_spend += rx_spend_applicant
 
-            applicant_new_tier = self.get_tier(plan_coverage, rx_spend_applicant)
+            applicant_new_tier, tier_reason = self.get_tier(plan_coverage, rx_spend_applicant)
             if applicant_new_tier is None:
                 is_dtq = True
-                reason = "Declined due to high Rx spend"
+                dtq_reasons.append(tier_reason)
-                dtq_reasons.append(reason)
+                applicant_dtq_reasons.append(tier_reason)
 
             if applicant_new_tier and applicant_new_tier > applicant_tier:
                 applicant_tier = applicant_new_tier
                 reason = f"Rx spend increased tier to {applicant_new_tier}."
                 accept_reasons.append(reason)
+                applicant_accept_reasons.append(reason)
 
+            if applicant_dtq_reasons:
+                final_reason = "\n".join(applicant_dtq_reasons)
+            elif applicant_review_reasons:
+                final_reason = "\n".join(applicant_review_reasons)
+            elif applicant_accept_reasons:
+                final_reason = "\n".join(applicant_accept_reasons)
+            else:
+                final_reason = f"Tier {applicant_tier.value} assigned with Rx spend within allowed limits."
             estimation_results.append(
                 EstimationResult(
                     name=applicant.firstName,
@@ -513,7 +535,7 @@ class EstimationService:
                     bmi=self.calculate_bmi(applicant.weight, applicant.heightFt, applicant.heightIn),
                     tier=applicant_tier.value,
                     rx_spend=rx_spend_applicant,
-                    message=reason if reason else f"Tier {applicant_tier.value} assigned with Rx spend within allowed limits."
+                    message=final_reason,
                 )
             )
         
@@ -543,14 +565,16 @@ class EstimationService:
                 results=estimation_results
             )
         
-        new_tier = self.get_tier(plan_coverage, rx_spend)
+        new_tier, tier_reason = self.get_tier(plan_coverage, rx_spend)
         
         if new_tier is None:
+            dtq_reasons.append(tier_reason)
+            reason = "\n".join(dtq_reasons)
             return EstimationResponse(
                 status="rejected",
                 details=EstimationDetails(
                     dtq=True,
-                    reason="Declined due to high Rx spend",
+                    reason=reason,
                     price_id=plan_price_id,
                 ),
                 results=estimation_results
@@ -561,10 +585,21 @@ class EstimationService:
         
         plan_price_id = self.get_plan_price(plans[0], base_tier, plan_coverage)
 
-        status = "accepted" if base_tier is not None else "rejected"
+        if base_tier is not None:
-        
+            reason = "\n".join(accept_reasons)
             return EstimationResponse(
-            status=status,
+                status="accepted",
+                details=EstimationDetails(
+                    dtq=is_dtq,
+                    reason=reason,
+                    price_id=plan_price_id,
+                ),
+                results=estimation_results
+            )
+        else:
+            reason = "\n".join(dtq_reasons)
+            return EstimationResponse(
+                status="rejected",
                 details=EstimationDetails(
                     dtq=is_dtq,
                     reason=reason,