ComfortCard is a $19/month digital health card for your family. It lives in your Apple Wallet. It carries everything a stranger would need to know if something went wrong — your meds, allergies, advance directive, healthcare proxy. And it makes the boring paperwork of a healthcare year — HSA reimbursements, doctor's notes, family coordination — a one-tap thing instead of a Sunday-afternoon thing. One login. Your whole family. Owned by you.
Sign in once, then pick your path: $19/mo to pay, or trade 10 hours/yr of contribution for free membership. Choose after sign-in. Already a member? Open the app →
Cancel anytime. Export everything you own. We don't sell your data, ever.
Members preserve $4,000–$7,000 a year in HSA pre-tax savings on care they're already paying for — compounded over 30 years, that's $120,000–$210,000 of family wealth that the traditional aging trajectory takes.
The front of the card is a QR code anyone trusted can scan — an ER doctor, a caregiver arriving at the door, a pharmacist, a family member in a different state. The back of the card is an app that runs the logistics of your whole care life. Sage sits inside it the whole way through.
One card your family uses. One app your family opens. The rest of the weave is just the surfaces this unlocks.
ComfortCard is the membership. co-op.care is the real-world worker-owned caregiver network the membership funds. When enough members share a zip code, real care launches there — for you, by your neighbors.
$19/mo or $199/yr gets you a full membership for your whole family — the wallet, the AI, the doctor's notes, the conversation tools. You're covered on day one. That's the honest value.
You tell three people. They tell three people. When enough members share a zip or neighborhood, we have the density to train and employ worker-owned caregivers there.
Real neighbors, trained and worker-owners, at your service. The care that shows up is the care you helped bring into existence for your community.
Think of REI — 20+ million member-owners, $3.5B in annual revenue, a dividend check every year for actively using the store. Or your local credit union, where every member gets one vote regardless of deposit size and surplus returns to the people who bank there. That's the model. ComfortCard is that same shape — for care infrastructure.
When you join, you become a patron member of co-op.care — a Colorado Limited Cooperative Association. You don't just subscribe. You hold a share. One member, one vote. If the cooperative generates surplus in any year, patron members receive patronage dividends based on their actual use. Caregivers who work for co-op.care are also member-owners, in their own voting class. That's the structure. It's not metaphor — it's Colorado cooperative law.
It also means when you tell three friends and all three join, you're not just earning three months free. You're growing a cooperative you partly own — one that serves your community and is governed by the people who use it and the people who work for it. That's a very different kind of thing than a SaaS subscription. It's why we thought it was worth saying out loud.
Honest caveat: Member equity in a cooperative is about governance and patronage dividends, not investment returns. We make no promise of appreciation, dividends, or buyback. Cooperative membership is generally exempt from securities registration under Section 3(a)(5) of the Securities Act and Colorado state securities law — but this is a structural frame, not financial advice.
Membership at ComfortCard isn't a SaaS. It's a cooperative seat. Same shape as REI, your local credit union, and the Cooperative Home Care Associates in New York City — which has run for forty years with 14% caregiver turnover instead of the industry's 77%. The numbers move because the ownership moves.
It's a different kind of thing than a SaaS. That's why we thought it was worth saying out loud.
The wallet you carry. And a different way to think about care.
Comfort care is a real clinical term — care that prioritizes quality of life over aggressive intervention. It's often delivered at the end, often at home, and it's almost always less costly and of higher personal quality than the alternative. Most people don't think about it until they have no other option.
ComfortCard brings that way of thinking into your everyday life — not as something reserved for the last chapter, but as the throughline of how you want care to feel at every stage. Your wallet. Your graph. Your neighbors. Your plan. All oriented around comfort as a first principle, not a last resort.
The wallet is the identity layer. The app is the logistics layer. Here's what each one actually does when you open it.
One verified scan unlocks your directive, allergies, meds, proxy contact, and Sage handoff. ER physicians, arriving caregivers, pharmacists, family members — same card, different views, your permissions.
Pay your caregiver hours. Sign your advance directive. Have the conversations you've been putting off. Capture what matters most to your family. All from the same place — not five logins, not five apps.
Balance, eligible purchases, physician-signed LMNs generated in-app when new eligibility is needed. Connected to your co-op.care invoices so care hours pay themselves out of the right bucket automatically.
An AI that remembers your family. Ask about your mom's meds, a caregiver's arrival, a decision you're making for your kids. It carries context across every conversation — so you don't retell your dad's medication list twelve times to twelve different people.
Concrete scenarios. Not features. The specific Tuesday-mornings, ER-Saturdays, and second-Sundays when membership is the difference between a panic and a plan.
The ER doctor scans the QR on his ComfortCard. They see his medication list, his anticoagulant, his allergies, his proxy contact, his advance directive. In ten seconds. Before you even pick up the phone. You arrive when you arrive — not in a panic, not explaining the same eight things to four different nurses.
Your mom's prescription auto-routes through her wallet. The pharmacist sees what's covered, what's HSA-eligible, what's been refilled, what changed last week. The Sunday-afternoon phone tag goes away. The bill goes to the right bucket.
A normal voice conversation paced over three Sunday afternoons. Coffee, dad on the couch, the AI asking questions in plain English. Hard questions. But answerable. A real Colorado physician signs the directive AND the MOLST — the medical order paramedics actually follow at the bedside. No $500 lawyer's office.
Most families have HSA or FSA money sitting in an account they barely touch. Half of what they want to spend it on (massage for chronic back pain, walking aids, certain supplements) needs a doctor's note. The card knows what's eligible. The AI drafts the letter. A real doctor signs. The reimbursement clears in days.
Your adult kid in Connecticut has wallet access. She sees grandma's care plan, today's caregiver, the meds, what changed this week. She's part of this without flying in. When she calls grandma at six p.m. she already knows what kind of day it's been.
Values. Preferences. The questions about the last chapter that families don't know how to start. Voice-first, paced over weeks, not in a hospital corridor at 11 p.m. The conversation is captured, the family knows, the doctor knows, the caregiver knows. Nobody guesses what your dad would have wanted.
ComfortCard is a digital health card for your family. It lives in your Apple Wallet. It carries the things you'd want a stranger to see if something went wrong, and the paperwork a doctor actually has to sign. The hourly stuff — caregivers, sessions — is priced separately, because real human time deserves real human pay.
Anything that bills a real human's hourly time. We don't pretend it's free.
* Real physicians, salaried (not paid per-letter), reviewing batches with real time-on-page metrics. No rubber-stamping. Fair-use means: about what a thoughtful doctor would sign for one person in a year. We'd rather undercommit and overdeliver than publish a number we can't honor.
Most platforms charge per-letter because they pay physicians per-letter. We don't. Our physicians are on salaried agreements and get a weekly batch via ClinicalSwipe. That's how we can bundle attestations honestly at this price.
LMN, directive, or PA is drafted from your Sage context and existing records. Not a template — a real first pass.
Clinical logic verified. Obvious misreads flagged. The draft is only queued for physician review if it clears.
Outlier patterns, duplicate requests, and suspicious flows are held back from the physician queue entirely.
Batched to ~40/week per physician. Each swipe requires real review metrics — duration, viewport focus, scroll depth — before a signature can be written. No rubber-stamping.
Physicians are compensated on a fixed retainer set in advance, not per-attestation. The arrangement is structured around the Personal Services Safe Harbor framework (42 CFR §1001.952(d)): written one-year agreements, FMV compensation, commercial reasonableness, no volume- or value-based tie. Physician signatures are earned by clinical review time, not triggered by member demand.
Long-term care insurance, as it exists, is a broken product. The premiums climb, the coverage narrows, the facilities are where the money flows. ComfortCard is the beginning of a different architecture.
The stand-alone LTC insurance market has collapsed from over 100 carriers in 2000 to fewer than 12 actively selling today. Historical rate hikes average around 37%, with individual increases exceeding 80%. Millions of Americans have watched their coverage narrow while premiums climbed. It's widely recognized as a broken product.
We're not going to fix that by becoming another LTC insurance carrier. Our direction is a different one: the subscription you start at $19 builds attested health context, a trusted caregiver network, and the operational track record that unlocks partnership pathways with PACE programs, Medicare Advantage plans offering supplemental in-home benefits, and eventually a regulated age-in-place product when the data supports it.
This is not what ComfortCard is today, and we don't pretend to have insurance licensure or regulatory approval for what it could become. Today's membership is valuable on its own. If the long game comes together, early members are the people who made it possible.
Every member is a member. One vote. One patron-share. Some members activate the agentic-HSA layer because they're self-employed and pay full freight. Some activate the home-assessment layer because they're caring for an aging parent. Same wallet, same identity, same governance — just more agents running on your behalf when your life calls for it.
Each surface is a door into the same conversation, arriving from a different direction. ComfortCard opens all of them.
ComfortCard is one layer of a coordinated system designed to preserve family wealth across the full arc of aging — from everyday HSA optimization to physician-attested care to cooperative ownership of the care network itself.
We pay physicians on a fixed retainer set in advance, not per-letter. Each physician reviews a weekly batch of about 40 ClinicalSwipes — AI pre-drafts the artifact, runs a gut check and a fraud check, then queues it for physician attestation. The physician's signature is earned by clinical review time (enforced by our review-metrics system), not triggered by member demand. The arrangement is structured around the Personal Services Safe Harbor framework (42 CFR §1001.952(d)): written agreements, FMV compensation, no volume- or value-based tie.
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 §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.
Comfort care is a clinical term for care that prioritizes quality of life over aggressive intervention. It's often less costly and of higher personal quality than the alternative. ComfortCard is called what it's called because we want that way of thinking to be the throughline of your care — not something you discover at the end of life. The wallet is the practical artifact. The orientation is the quiet message.
Long-term care insurance as it exists today is broken — premiums climb, coverage narrows, facilities capture most of the spending. Our goal is to build an age-in-place insurance product that pays for care at home, delivered by worker-owned caregivers, underwritten by the attested health data we've been building with our members. Today's $19/mo membership is how we get there. You don't have to buy the end state to benefit now — the subscription is already valuable on day one.
Never. Business model = subscription + explicit-consent attestation. We don't sell your inputs, your graph, or your identity to advertisers, data brokers, pharma, or model trainers. If a payer contracts with us for aggregated SDOH insight (through Vimty), only the attestations you consent to go into that flow, with physician review on every observation. No invisible data pipes.
Free on every site: reading content, talking to the AI without persistent memory, using the basic widget. ComfortCard is for people who want the compounding family context and the doctor-signed paperwork. Free is a complete experience for casual use; ComfortCard is for people who want their family's care to actually be coordinated.
When you join ComfortCard, you become a patron member of co-op.care, a Colorado Limited Cooperative Association (LCA). You hold a membership share that carries governance rights (one member, one vote) and a right to receive patronage dividends if the cooperative generates surplus in a year, allocated based on your actual use of the cooperative. Caregivers who work for co-op.care are also member-owners, in their own worker-owner class. This is a real legal structure under Colorado cooperative law — not a metaphor. What it does not do is promise you investment returns, share appreciation, or a buyback. Cooperative membership is about ownership of governance and use, not speculation.
Your patron membership is tied to your active subscription. If you cancel ComfortCard, your active membership pauses — you can rejoin at any time and resume where you left off. Any patronage dividends you were entitled to for the portion of a year you were an active member are paid out according to the cooperative's regular dividend schedule, net of any applicable fees. Rejoining later doesn't lose your history on the cooperative's rolls.
Matching, scheduling, and plan coordination are included. The actual hours of home care delivered by a caregiver are billed at $35–45/hr because caregivers are worker-owners and deserve to be paid for their time. Your ComfortCard makes them available to you as neighbors at your service — it doesn't ask them to work for free.
Every eligible-merchant attestation is physician-reviewed. Every Letter of Medical Necessity passes through a named 50-state-licensed physician at altru.care. We don't ship answers — we ship answers a named clinician stands behind.
“The moat is whoever first connects grounded clinical evidence to physician-earned trust.”
— Christian Péan, MD, orthopedic trauma surgeon
ComfortCard is the membership. co-op.care is where care happens. If you're looking to offer help, ask for help, or coordinate care in your home today — that's on co-op.care.
$19 a month. $199 a year. Cancel anytime. Export everything you own.
Tell 3 friends — if they join, you get 3 months free, and your community gets closer to its own co-op.care.