Most of what you’ll read about paying for care with an HSA is written by someone who needs the answer to be yes. We’ll tell you no — in writing — before you spend anything.
One family file holds the rest: receipts, letters, insurance cards, Care Wishes and the hours of help, kept in the browser on your own phone or computer. Results from sibling sites come in by one tap, and nothing is kept until you say yes.
Today: the family file, the covered-care check, the readiness check and the expense sorter, with no account. Not open yet: physician review and membership.
See what qualifiesHow we’re paid
Two minutes, no signup, nothing stored — you’ll get a “no” on some of it, and that’s the point. Ready instead? Tell us who you’re caring for → Just had a fall or a hospital stay? Start a family file on your own phone →
Seven honest questions, two minutes, nothing stored — your readiness score, and the one step that closes each gap. The place to start.
Pick the one closest to you and we’ll show the three steps that matter.
Tap where you think each everyday expense belongs. Some are HSA/FSA-eligible outright, some qualify only when a physician documents them as medical care, and some never qualify. We’ll tell you the honest answer as you go.
Educational and general. Eligibility is always plan- and case-specific and decided by your plan administrator; an LMN is issued by a licensed physician only when clinically appropriate. Not tax advice.
Today: the readiness check, the expense sorter above, the covered-care check and the family file, all on your own device with no account. Not open yet: membership, physician certification of letters, the wallet card and the Apple layer. Each has its own page, written in the tense it deserves.
No service can promise that. Each plan administrator makes the final determination based on IRS rules, your plan document, and the documentation provided. A physician-signed LMN in IRS 213(d) format gives you the strongest evidence to submit. If a physician review finds an LMN is not appropriate for your situation, we’ll tell you why — we’d rather decline than write something that won’t hold up.
Physician review is not open yet. When it opens, AI drafts the letter from your assessment and a licensed physician signs or declines it; a declined case gets no letter.
Medications and dosages, allergies, blood type, emergency contacts, healthcare proxy designation, advance directive status, MOST form (Colorado), current care plan, and a link to your HSA/FSA wallet. Everything a stranger trusted to help you would need to know. Accessible via the QR code to anyone you’ve granted access, with different permission levels for different people.
The family file, the covered-care check and Care Wishes work anywhere, on your own device. Physician review of a letter is planned and not open yet. Home care delivery through co-op.care opens in Boulder County once our Class B home-care licence is issued; additional geographies based on member density.
Never. Business model is subscription plus explicit-consent attestation. We don’t sell your inputs, your care graph, or your identity to advertisers, data brokers, pharmaceutical companies, or model trainers. Zero invisible data pipes.
ComfortCard is the membership layer for co-op.care, a Colorado Limited Cooperative Association. Members hold patron-member shares carrying governance rights (one member, one vote) and the right to patronage dividends if the cooperative generates surplus. Caregivers are also member-owners in their own voting class. This is Colorado cooperative law, not a metaphor. Sector data finds cooperative home-care agencies run a third to half the industry’s turnover — about 24–38% versus about 75% — and ownership is only half of our answer: the other half is careful, personalized matching, with your care profile carrying your family’s context so every shift starts warm instead of cold. We can’t promise any one caregiver stays; we build the levers that make staying likely.
ComfortCard is the digital wallet and identity layer. co-op.care is where the real-world care happens — the worker-owned caregiver network, the home care hours, the companion care coordination. Membership in one is membership in the other. If you’re looking to start care today, go to co-op.care directly.
ComfortCard is the membership. co-op.care is where care happens. If you’re looking to coordinate care, match with a caregiver, or start an assessment today — that’s at co-op.care.
Start with the two-minute readiness check, or go straight to the care assessment at co-op.care — the step that determines whether your family qualifies for an LMN and what expenses it covers.
No email needed. Membership, not open yet →