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 modelHow a match happensSkill or need in → a real W-2 neighbor matched out, and the same face keeps showing up.Read →
The tax keyThe Letter of Medical NecessityThe physician-signed document (IRS §213(d)) that turns ordinary care into pre-tax-eligible care.Read →
Pre-tax dollarsHSA & FSA, in plain termsPre-tax accounts that effectively discount qualifying care by your tax rate (~22–30%).Read →
The railComfortCard$19/mo membership and digital rail that carries your eligibility into your phone’s wallet.Read →
The ownershipWhy a cooperative, and why it mattersA Colorado LCA where workers hold equity — the legal form that can’t be acquired or pivoted.Read →
The accountabilityA clinician on the lineWhy a named, licensed physician signs every clinical output — a license on the line, not a disclaimer.Read →
The mathThe savings, line by lineHow the ~$2,004/yr figure is built: spend → tax savings → CMS → minus membership.Read →
Don’t confuse theseFounding member vs. founding investorMember = early customer price (no equity). Investor = equity. Same word, different paperwork.Read →
The clinical billingRemote Therapeutic Monitoring (RTM)Medicare codes (98975–98981) that pay a provider ~$115/cycle to monitor recovery between visits.Read →
The dataHome observations, made clinical-gradeHow kitchen-table observations become FHIR-standard records via the Omaha System.Read →
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.