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 needs no payment details. Membership is not open yet — reserve a place and we write when your cohort opens. 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 details are asked for.
No app has ever been made real by a spreadsheet of people who might use it someday. Be one of the 100 who actually will — tell us what breaks and we’ll fix it before it costs anyone anything.
Not sure yet? See what your family qualifies for first — it 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 County, opening once our Class B home-care licence is issued) 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, the physician pathway, and companion care through the co-op when it opens. 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. Membership itself is not a medical expense; assume that unless your plan administrator says otherwise. Eligibility is case-specific and the administrator decides. We document; we don’t promise.
Membership is not open yet, so there is nothing to cancel today. The family file lives on your device, you can export all of it at any time, and no data is ever sold. When membership opens, leaving will keep that true.
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 family file, the benefits finder and Care Wishes work anywhere, on your own device. Physician review of a letter is planned and not open yet. Companion care will open in Boulder County once our Class B licence is issued, then expand by member density — joining from elsewhere literally votes for where we go next.