co-op.care
The handbook

How the whole thing works.

co-op.care makes a few specific claims — about taxes, clinicians, and ownership — and each rests on a real mechanism. Pick any topic; each opens its own page with the definition, how it works, a real example, and the source.

The model

How a match happens

Skill or need in → a real W-2 neighbor matched out, and the same face keeps showing up.

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The tax key

The Letter of Medical Necessity

The physician-signed document (IRS §213(d)) that turns ordinary care into pre-tax-eligible care.

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Pre-tax dollars

HSA & FSA, in plain terms

Pre-tax accounts that effectively discount qualifying care by your tax rate (~22–30%).

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The rail

ComfortCard

$19/mo membership and digital rail that carries your eligibility into your phone's wallet.

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The ownership

Why a cooperative, and why it matters

A Colorado LCA where workers hold equity — the legal form that can't be acquired or pivoted.

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The accountability

A clinician on the line

Why a named, licensed physician signs every clinical output — a license on the line, not a disclaimer.

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The math

The savings, line by line

How the ~$2,004/yr figure is built: spend → tax savings → CMS → minus membership.

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Don't confuse these

Member vs. investor

Member = early customer price (no equity). Investor = equity. Same word, different paperwork.

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The clinical billing

Remote Therapeutic Monitoring (RTM)

Medicare codes (98975–98981) that pay a provider ~$115/cycle to monitor recovery between visits.

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The data

Home observations, made clinical-grade

How kitchen-table observations become FHIR-standard records via the Omaha System.

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Education, not tax, legal, or medical advice. Eligibility depends on your situation, your plan, and a clinician's determination, and the rules change — check with a tax advisor and your benefits administrator.

Ready to see your numbers?

A five-minute assessment builds your family's plan — what qualifies, what saves, and what to do first.