One membership gets your family the wallet, the physician pathway, and something no care company sells: a real share of the cooperative that delivers the care — where the caregivers are owners too.
The card is free, forever. Membership is $59/month. Cancel anytime; your data leaves with you.
Member enrollment opens in small cohorts so the cooperative grows at the pace care allows. Leave your email and you’re first in line — no payment now, no obligation.
Not sure yet? See what your family qualifies for first — it’s free and takes a minute.
A cooperative owes its members a straight answer. Three flows, no mystery:
Membership dues fund co-op.care — the Colorado Limited Cooperative Association you’re joining. They pay for the platform, coordination, and the cooperative’s operations. Members hold patron shares: one member, one vote, and a right to patronage dividends if the cooperative ever runs a surplus.
If a licensed physician determines a Letter of Medical Necessity is clinically appropriate, that review is a professional service — delivered by physicians through their own practices on fixed arrangements, never paid per letter. We’d rather decline than sign what won’t hold up.
Companion care hours (Boulder today) are priced so the caregiver takes home a real W-2 wage — and because caregivers are member-owners with their own voting class, the person at your parent’s side owns a piece of the company that sent them.
Real human time and clinical judgment are never hidden inside a subscription. You pay for these only when you use them:
Membership in co-op.care, a Colorado Limited Cooperative Association — delivered as your ComfortCard. Practically: the family wallet and Sage, the physician pathway, and member pricing on care. Structurally: a patron-member share with governance rights. One member, one vote — the same vote a caregiver-owner holds.
Sometimes — and only honestly. Diagnosis-tied care (therapy, equipment, treatment for a documented condition) can qualify under IRS §213(d) with a physician’s Letter of Medical Necessity. Ongoing help at home is held to a higher bar: it can qualify only as long-term care under IRS §7702B(c) — a physician certifying the person is chronically ill (needs help with 2+ daily activities expected to last 90+ days, or has severe cognitive impairment) with a written plan of care. Plan on paying dues themselves out of pocket unless your plan administrator confirms otherwise. Eligibility is case-specific and the administrator decides. We document; we don’t promise.
Cancel anytime. Your card’s free layer keeps working, you export everything you own, and we delete what you ask us to. No data is ever sold either way — the business model is dues, not your information.
No. ComfortCard is not insurance, a credit card, or a financial product — it’s a membership with a documentation layer. It works alongside Medicare, Medicaid, and private coverage; it replaces none of them.
No — and that’s the point. Cooperative law gives every member exactly one vote, regardless of what they pay. Membership makes you an owner, not a bigger owner. Governance stays flat, forever.
The wallet, Sage, the benefits finder, the Five Wishes pathway, and physician document review work nationally. Companion care hours are Boulder County today, expanding by member density — joining from elsewhere literally votes for where we go next.